Consumer complaint received 2019-11-04
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
These series of unanswered calls/ messages and not getting direct answers from every single representative started in XX/XX/XXXX when my hardship began. I was told by the new mortgage company at the time " Ditech '' that i would be able to apply for a loan modification ... I proceeded to do so within the following 2 days, due to getting all documents together for modification and needing a signature from at the time my husband which was not available. Faxed all paperwork, called Ditech to make sure it was received and was told no and i had to wait 5 days. Never got a call, email, text or letter until I viewed online that my home was in foreclosure with a sale date in XXXX XXXX I was contacted by a company to help me with the foreclosure having me file a ch XXXX along with making payments of XXXX monthly until my new payment/paperwork with Ditech was completed. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX came around and i never heard from either, but monthly payments were getting deducted out of my checking account. Received a letter from Ditech saying no payments were received and i would be in foreclosure again, so i filled out another application in XX/XX/XXXX and have the message i sent on my account asking if there was anything else pending or missing. Heard nothing, but got a letter from Ditech attorney on XX/XX/XXXX and had 20 days to respond. Faxed my 3rd application/rma paperwork on XX/XX/XXXX and never got a call back.. Followed up and was told they were missing pages and needing to do over but seemed that representative wasn't sure on what was missing. Hung up and called for a supervisor and she claimed that my check stub wasn't readable. Faxed again and nothing. Now it was spring time and again sent an application thru fax on XX/XX/XXXX. I could not get thru on website due to maintenance and long waits on hold. Sent a message on website ( which i have proof of all ) explaining on how many times my apps where faxed and even wrote on cover sheet of how many were sent with my number if anything was missed. In XX/XX/XXXX received a letter from a different attorney to initiate a collection of debt. XX/XX/XXXX another letter from attorney about foreclosure. XX/XX/XXXX a Notice of Acceleration from attorney. On XX/XX/XXXX Ditech sent me a letter and determined my application was incomplete and will evaluate for a loss mitigation option once all documents were received and will then respond to my request in 30 days. My 6th application sent I decided to Upload documents thru website on XX/XX/XXXX in hopes it would be better or faster.. XX/XX/XXXX received a letter of an incomplete application for the 7th time, left a message on website pleading them to contact me directly! XX/XX/XXXX received another letter in different form in regards to my credit score not high enough. XX/XX/XXXX received my message ( this was the Only letter i got in regards to messages on website ) and would be looking into it and will get a written response in 30 days. Since I have been reading online about how this happens often and i feel i was targeted the whole time which is unfair that I tried to get a payment i can afford and stay in home with my XXXX children. My house is set for foreclosure in 2 days and never been so disappointed not to mention worried about not having a roof over my families head. please help

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