Consumer complaint received 2018-02-14
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Three months after my son died XX/XX/XXXX. A man came to my home saying he was sent by Ditech Financial LLC to take a picture of me and my home. Which scared me. My daughter told him to get off our property. He handed her a note from Ditech to call them immediately. The man continued saying. '' You better call them immediately! They mean business! They are going to foreclose on you if you dont pay them now ''. XXXX my daughter told him that we do not have a loan with Ditech. The man said, " Well someone does and this is the address! They don't care how young or old you are they will sell your home out from under you and kick you out into the street!  They are ruthless and they dont play around. You best pay them! We were shocked. It had to have been my son who financially exploited me for 27 years stealing my XXXX year life saving of over 1 million dollars. He left a complete 27 year paper trail of evidence proving his guilt, incriminating himself and his sister XXXX. XXXX called Ditech at that moment. The lady that answered was rude. She would not give us any information about the loan because we are not on the loan! Only the deed. They wanted to know who was the information of the executor along with legal documents, death certificate, which XXXX had sent. 
We have no access to that info. We do not speak to my sons children because they are exactly like my son. I made every mortgage payment as shown by my bank statements and cancelled checks, He never paid XXXX XXXX on my home since the purchase date XX/XX/XXXX. no upkeep, no repairs no utilities nothing. My son never made a payment. He kept refinancing my home several times as shown in the evidence XXXX found in his many different files in my home after she had him removed by ex parte XX/XX/XXXX. I allowed him to move in with me in XX/XX/XXXX. He would not leave my home. He was very abusive and I was too scared to tell anyone. In XX/XX/XXXX XXXX came to care for me and began to see and investigate the financial exploitation. 

An insurance agent came and took pictures of my home and said we better call our mortgage company right away. We have no mortgage company. It was my son who has a {$50000.00} plus loan against my home he got XX/XX/XXXX.  We found a transfer from XXXX to Green Tree. Then found a XXXX XXXX insurance policy to Ditech. My son knew he was XXXX of XXXX of his XXXX the doctors in XXXX told us on XX/XX/XXXX for a while. He could have stopped drinking but refused. XXXX himself! He knew how far XXXX had investigated his exploitation and knew he was going to prison. He had 7 life insurance policies. That Ditech needs to go after, Not us. 

XXXX XXXX is XXXX, XXXX years old she was never taught to read English. XXXX was suppose to care for her and have a fiduciary relationship with our mother. Which he violated with extreme abuse and financial exploitation. She had no idea any illegal actions had taken place against her. Until I her youngest daughter came to care for her after XXXX tried to XXXX her in XX/XX/XXXX. Then I found the abusive and illegal action and paperwork to validate all his crimes against his own mother. I have Durable Power of Attorney given to me by my mother. Please note that on page 5 XXXX was not or is no co-signer, co-borrower or co account holder. I had to mark something in order to add our information to this complaint. I will sent a copy of my POA when I am notified where to send it. I also have photos of Ditech 's note, Insurance police, Letters from Ditech and more needed for this complaint, but could not upload. Please let me know where to send them. This calls for immediate action. My siblings stole everything they could from our mother. I can not let her lose her home, Please keep me informed on what I need to do to save my mother ... Thank you

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