Consumer complaint received 2019-10-03
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sirs, I am writing to inform you that in XX/XX/XXXX, a deal of sale was made in the name of my brother with the company XXXX XXXX, it is worth mentioning that my bro was only cosigner as head of the account appeared my mom and that was done that way for credit reasons and that the person in charge of the payments was me that company left Texas fleeing because they scammed a lot of people including me. However, I continued with my payments every month as agreed I do not remember what year but XXXX XXXX sold to Green Tree I do not remember In which year, I also do not remember that Green Tree has changed the number of the initial account the fact is that they paid continued Given month after month, in XX/XX/XXXX, I made a payment agreement with Green Tree, paying {$340.00} per month, I don't remember until which year But several years ago, Green Tree sold it to Dytech following the same payment and the same account number, in XX/XX/XXXX, I had transport problems accepting myself for the first time in almost 20 years, making my payments as usual, because I only had part time of the work making it impossible to pay two monthly payments and in the third I began to give my payments again in XX/XX/XXXX, I received a letter from Ditech informing me that I had a delay to what I immediately went to them and was constantly communicating via phone and email and they responded by telling me that they would check and review my case and they would talk to me or answer me to give me a solution, that they were working together to help me fix this situation, something that I never had an answer, on many occasions they asked me for letters where my brother granted me ample power on the account and they never accepted the letters, they rejected me, I don't know how many months they last in which they finally accepted the letter. The case is that when they accepted it they told me that the only thing they wanted was that I will pay around {$5000.00} and they told me that No one could refinance and that {$32000.00} was owed, since the mobile home initially cost {$30000.00}. The fact is that I have been paying uninterruptedly for almost twenty years and nobody ever advised me or told me how to fix this matter, an issue that the company always knew how it was, when they supposedly were going to help me fix and update this account, I even asked them to add or charged it to the capital for me to continue with my payments as usual, the fact is that Approximately in the month of XX/XX/XXXX of the present, they blocked the account because I wanted to check the account and said that there was not so much me as my brother were trying But they never gave us an explanation of why, even they didn't find it in their system either, they said that they didn't have that account. However, I continued to make the payments until I received a letter saying that they would no longer accept the payments for what I went to with a Person, she advise and told me that they would not send more payments because I did not know where was going to give my money. In XX/XX/XXXX of the same year, I received a letter telling me that the payments that I had been given they could not accept were going to be returned as of the following week I received another letter in which I was informed that the account number had changed and that it was already another number and that I could generate an account and make the payments online, however when creating the account and entering I was asking again {$5000.00} afterwards there were no longer XXXX wanted {$10000.00} remember that for expenses of lawyers something that was impossible for me to pay. Nobody has that money to be able to give him a single payment and less on these dates, they were sending letters wanting my brother to declare bankruptcy which he never did because he does not live here is in another state and because there he also grabbed lawyer and pay again another {$5000.00} was impossible to fix this issue, they had already taken note that I was the one who lives in this mobile home and that I am responsible for making payments and that my bro never paid anything, So they never agreed to Being a type of arrangement with me, on XX/XX/XXXX, I receive an email where they send me a notification, notifying me that they declared bankruptcy them the Dytech company, in that same notification they quote a Website and a number 1 800 to which I can go before of certain date the annex and there comes everything detailed because there it says that I could choose to keep the property however that Website and that 800 number will never work I tried many times and in the in said that there was no or an error ocurred and at 1-800 no one ever answered only an answering machine saying that it will leave a message that the call would be returned to me, something that until today has never been possible. nobody called back and they only sent me one person on XX/XX/XXXX of the present notifying me that they want me to evict the house because the debt amounts to {$32000.00} and that they bring a court order signed by the judge which I consider an arbitrariness being that I live here with my mother mother of 87 years of age, I am a single mother and I have my XXXX minor children my son of XXXX years and my daughter of XXXX years, both students, yesterday, XX/XX/XXXX, I received An email where I am summoned to court on XX/XX/XXXX, attached the last two letters. Waiting for a favorable response from you, since I am of limited resources.

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