Consumer complaint received 2020-02-12
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint against XXXX XXXX XXXX, Ditech Financial LLC, XXXX XXXX XXXX : The reason for this complaint is because Ditech repeatedly tried to place Lender placed insurance on my property even though there was proof that I had insurance and my company XXXX XXXX XXXX XXXX XXXX XXXX tried to setup an escrow with them for 3 years in a row. I continued to make the payments myself hoping each time they asked for proof and I contacted the insurance company to fax them said proof they would take over the payments, especially when they would threaten me with lender placed insurance and then cancel it. 

This last time was in XXXX I did not pay it any attention because I had contacted the insurance Company ( XXXX  ) to fax them the information. The next thing I know I am getting an ESCROW evaluation saying that I was paying for lender placed insurance and had been since XX/XX/XXXX. 
This notice came in XX/XX/XXXX saying that my escrow had a shortage of {$390.00}, I called them at the time of receipt and spoke with the call center, because that Is the only choice that you have, I have repeatedly requested call back from supervisors, I guess they do not have any. I was paying {$72.00} per month, {$860.00} per year out of pocket but I was onl short {$390.00} since they placed the insurance or so I was told. 

I sent in my normal payment since I do not believe I should have to pay for a Condo nor do I pay HOA fees on the property at XXXX XXXX XXXX, XXXX, Texas XXXX. I called the call center because that was the only contact, I could make, and spoke with a representative and requested a callback, did not receive it as usual. And they kept my payment but put it in suspense because I did not pay the additional. 

In the meantime, they transferred my loan to XXXX XXXX which is another call center type of loan servicing company. They did accept my insurance and escrowed the insurance but guess what the shortage was the same, now I consider that rather strange that the payment would be the same. Since I was paying my own insurance out of pocket.

I am including all the annual escrow disclosures for the past four ( 4 ) years and all the request for insurance verification and copies of my decoration pages from the insurance company which is the same one that were sent to Ditech and XXXX XXXX.

From the mail I just received from XXXX XXXX,  which I am including along with the payment history, I feel Like I am still with Ditech. Another Call Center type no management types to talk with. Just collect money and mess up peoples credit. By the way they are showing my payments late for two ( 2 ) months on my credit report. I have struggle to keep my credit up and to keep my payments on time.

I would like my credit report to be updated correctly, I received a notice that I had requested a fraud alert which I never did. Need someone to tell me where the money was going that they needed to pay my lender placed insurance. Also, why they started showing my payments late before the XX/XX/XXXX of the month. 

I started to notice that my statement date where changing each month. I.e. XX/XX/XXXX due date XX/XX/XXXX, statement date XX/XX/XXXX due date XX/XX/XXXX, statement date XX/XX/XXXX due date XX/XX/XXXX. 

I am also seeing a discrepancy in the two companies data that were sent on my form 1099 for tax purposes. 

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