Consumer complaint received 2019-02-13
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX we got a loan from XXXX XXXX. The loan amount was XXXX. XXXX sold to Greentree. There started our problem. When the market crashed, my husband lost his job and I lost my business. WE started the " Modification '' process with XXXX during the transition to Greentree. Greentree lost the paperwork 3 times. There was a program offered by our state that would pay up to 20 thousand to assist the people losing their homes. Greentree advised that they had completed the paperwork and that the money coming from the state wouldn't be arriving " in time '' to save our home and the only option was for us to do a modification which would be express delivered to us for our signatures. Greentree also stated that they would eliminate all the additional fees incurred and that the only money to be " placed on the back of the loan would be mortgage payments. '' I notified the state and they couldn't advise us if this was the case so, with no other options we signed. important to understanmd here that I advised them I didn't understand the paperwork and the loan amounts were off and they promised they would check it out and still I have no answers. I have tried NUMEROUS times to have them investigate what happened. They ask for a written letter in order to " fully research '' the issue. I I sent this leter to their address and they never followed through. It has still, to my knowledge, never been done. Our current payoff is now MORE than the original loan amount after 20 years.. our original loan was only for 25 years ... When I spoke to them today they say the maturity date of the loan is XXXX. Most recently - I entered into a payment plan with them XX/XX/XXXX to catch my loan up to date. I was told IF I made the payments as laid out ( and post dated ) that there would be one month that was still in arrears and at that point they would " work with me '' to bring me current. Note : The person I spoke with said " IF you make these payments and I don't think you can '' - The verbal abuse has been an issue since the first time I spoke with them. I made every payment they requested. they were as follows :. 
XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX That left the payment for XXXX that they said they would " work with '' and my next payment should have been XXXX. I spoke to a rep and they said they would look into it but that my home was in foreclosure. I sent XXXX and they say now that they returned it however, I have not received a check from them although they say today they sent me back {$1200.00}. I have not received these funds from them, and they have been deducted from my checking account. They even show online that my last payment to them was XXXX. They would not accept payments and now say I owe them XXXX to bring my account current. Im not sure how they arrived at this number since my monthly payments are XXXX ( or XXXX ( depending on whether you look at the bill or online ) and this has been going on for 6 months. The number is twice what it should be. I have every payment I owe them and they refuse to accept it. they have been verbally abusive in every conversation with the exception of the last one where she said I wouldn't qualify for a modification and they wouldn't change the amount to reinstate my mortgage. In payments I owe them now since its XXXX and another month has passed I should owe them XXXX. ( this is using the bill not the online amount ) I can not imagine what the additional XXXX XXXX is for. I need help. They sent a letter in the mail, I received it today about a court hearing today at XXXX. I feel like they are TRYING to take my home and I have no recourse. Please advise as soon as possible. 

Thank-you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation