Consumer complaint received 2018-03-11
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage with Ditech Financial, LLC located in XXXX XXXX, SD. Up until the summer of XXXX, it was a P & I loan only, with no escrows. I always paid my taxes and home owners insurance outside of the mortgage. In XXXX of XXXX, I entered into a Chapter XXXX bankruptcy. In XXXX of XXXX, Ditech arbitrarily raised my mortgage payment from {$1300.00} to {$1600.00} for purposes of collecting funds for escrow purposes. As I always paid my own taxes, I did not actually think this applied or perhaps was an error, and kept sending them my regular {$1300.00} payment. 

In XX/XX/XXXX, I got a letter from Ditech stating I was delinquent on monies owed them, and that I needed to send them just over {$8000.00}. This was about five days before XXXX! They had also turned the case over to National Bankruptcy Services who seemed to act as some third party agent for Ditech. For the most part, they would not share any information about what this matter was really all about. After several calls to them, I was able to learn that it all had to do with the extra money that Ditech was assuming to collect from me back in XX/XX/XXXX. A person there did admit it looked as though an error had been made on Ditech 's part and that they really didn't need any escrow money. 

I also contacted my county tax office and had them send me a copy of my paid bill with a check number showing that I had, in fact, paid the tax bill myself for XXXX. I sent a copy of this notice and a letter via certified mail to Ditech, the bankruptcy services company and a collection agency that had now also become involved. 

This week, I received a packet in the mail from Ditech showing some kind of payment history for me, which concluded with a letter stating I still owed them over {$7000.00}. Once again, I called Ditech and spoke with a girl there, and after an hour long conversation, she admitted that two payments made by Ditech for my taxes in XXXX had been reversed. Her only explanation given to me as to why Ditech still seemed to think I still owed them money was because I had not paid my taxes by the initial due date and that the taxing authority had notified Ditech of this. As a result, they again looked for escrow funds to cover the tax bill, even though I did end up paying it in full with my money. She said there was nothing she could do about the owed balance of {$7000.00}! 

So essentially, the bottom line of this story seems to be that Ditech is looking to collect money from me for tax bills they never paid. Unless, of course, the tax office simply took my money and Ditech 's and kept their mouth shut. Highly unlikely. As it is impossible to get through to anyone at Ditech who can truly understand this dilemma and think outside the box a little, I am protesting their claim for further payment. My position is, and always has been, that all I ever owed this company was my P & I mortgage payment, until I voluntarily added in extra money for tax escrow last summer.

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