Consumer complaint received 2018-12-14
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ditech, XXXX XXXX XXXX, Green Tree it whatever title the company is going by this week is a joke!! I have been a victim of them for far too long. Not only are the employees rude, it goes beyond that, they downright harass you, and hang up on you if you decide to say anything back to them. 

My husband and I took out a mortgage with Green tree homes in 2013, this was by far the worst mistake of my life!!! In the beginning I was told my house payment would be {$450.00}, and the total cost of my home was {$51.00} XXXX. The House didnt even have a septic system so before buying we also had to finance this in with the cost of the house. The septic system that was put in never worked correctly and weve had to have it pumped once or twice a year. On top of that this took my {$450.00} payment up to {$600.00}. 

Fast forwarding some green tree has switched and is now ditech. I never agreed to finance through another company and had no knowledge of this. 

Fast forward again, we got behind on 3 payments around XXXX one year..they started harassing us and even called my neighbors stating my house payment was behind!! How embarrassing that was, and I never gave them permission to talk to anyone else about my account!! 

Fast forwarding again, my husband is currently laid off his XXXX  and XXXX  job and we are left without any income. I called ditech to see if we could do some sort of modification or payment deferral. The representative told me he has spoken with his manager and the following week when I came up with {$740.00} to pay on the escrow of the house and property he would deffer the payments we missed to the end of the loan. I call back to make that payment where Im informed that no deferral was ever approved, even though I was told it was. They told me making the payment wouldnt help me any because my account was getting ready to go into foreclosure. They said I either needed to pay all the past due amount or just let it go and lose my house and property. I told them I was going to look into filing bankruptcy because I do not want to lose my home. I call back and the representative asks me what Im doing with my money and says this is my home and I should be concerned about whats going on even though Ive worried myself so sick over all this Ive had to go on anxiety meds. I tell her Im trying to file bankruptcy and my lawyer should be contacting them, she then tells me it may not stop the foreclosure!!!! Why, I asked her and she said because thats the process. I told her she didnt have to be so rude to me, I was just trying to understand the process and shes provided me with the worst customer service Ive ever received in my life!!! Then she says goodbye and hangs up on me. 

This is by far the worst company Ive ever dealt with in my life, and theres so much I can explain further about all theyve done to us! Ive also saw online several class action suits against this company for kinds of fraudulent activities. Someone please do something about them, they rob people!!!

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