Consumer complaint received 2018-03-30
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification last year (XX/XX/XXXX), made the required trial payments and was approved for a loan modification XX/XX/XXXX. I was told that i needed to wait for the paperwork to be sent to me by mail, sign it and mail it back to them to activate the modification. Several weeks later i still had not received the paperwork and called them to inquire. I was told that it was still in process and they could give me no idea as to when it might be sent. I called repeatedly over the ensuing months, sometimes bi-monthly inquiring about the status and paperwork. Always the same reply, " it was in process ''. I was also told that I needn't make payments until i received the paperwork and made the newly modified amount as any outstanding payments would be rolled to the back of the loan. I was having financial difficulties at the time ( the initial reason for the modification request ) and at the time this seemed like a Godsend. I figured I would get a little behind, have it rolled to the back of the loan and start with the newly amended, lower payments which were more within my means.

Weeks and then months passed and still no sight of the required paperwork which i was to sign. I made regular inquiries and was always told the same thing. " In process '' with no idea of when it might be sent.

The week ofXX/XX/XXXX I finally received the packet in the mail. But to my dismay the letter was dated XX/XX/XXXX and i was given til XX/XX/XXXXto have it returned to them with my signature. I called and asked if the paperwork had been sent in XX/XX/XXXX why I wasn't told it was enroute during one of my inquiry calls after that time. They said they had no record of me having called afteXX/XX/XXXX which is a blatant falsehood! Obviously, the time in which to have signed and returned the required paperwork had lapsed by a month and i was then send a denial letter of the modification because I didn't return the paperwork. Also, it has been a week now and I still have not received the paperwork for the re-application of the modification, they say it was sent a week ago but i have not received it. i question whether it will arrive in time to stave off the foreclosure they seem to so badly want.

Also at the same time i was sent a letter telling me that my account was in arrears and was given til XX/XX/XXXXto bring my balance up to date or face immediate foreclosure. I was told {$5000.00} in a letter and {$3300.00} by a customer service representative named XXXX. I was told to reapply for a modification but I suspect it will be denied outright and they will foreclose on my home, this seems to me to be a fraudulent tactic that they are using on me. I don't know if any other consumers have had the same experience as me but I believe they are unlawfully dragging their feet so that they can ultimately foreclose on me.

All I want is for them to honor the original loan modification which was approved in XX/XX/XXXX and I can start making the lower payments and proceed from there. Short of calling them crooks, I am appealing to you to have this matter settled in a fair and equitable way, I deserve this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation