Consumer complaint received 2016-09-13
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with Ditech. The short summary of the problem is within this calendar year, Ditech has misreported on XXXX different occasions to the credit bureaus. The result of their continued errors is XXXX " 30 day lates '' on my credit report which has essentially destroyed my credit score and is preventing me from refinancing my loan. Since the start of the loan I have never been late on a payment. My payments have always been set to auto draft from my checking account. 
The long explanation is the following : In XXXX of XXXX, my escrow was re-evaluated and without my knowledge, my payment was increased by {$180.00} per month. Despite my regular payments continuing to be made on time, the payment amount was falling short. No efforts were made to contact me despite Ditech having my email address and multiple phone numbers on record. I was made aware of this discrepancy in XXXX of XXXX with a note posted to my front door. I immediately called Ditech to gain an understanding of the situation. On my first phone call I was told nothing was wrong and Ditech was simply trying to up-sell me on services. Not feeling right about receiving a notice on my door, I decided to check my credit report the next week and discovered a 30 day late was posted on the report. I called Ditech again and escalated to a supervisor to discovered the escrow situation and explained it to me. After understanding I immediately submitted a payment to make up the difference in the escrow adjustment and was verbally told the negative report would be corrected. I adjusted my regular monthly payments to the new amount and continued to follow up on the situation. Despite being told by multiple Ditech supervisors the XXXX negative report would be corrected, it was never removed. I then discovered a second " 30 day late '' report was posted for the month of XXXX. After multiple additional calls, Ditech finally discovered they misallocated my makeup payment from XXXX and the account continue to show a past due balance. They committed to correct the internal allocation mistake and again correct the credit reporting. After additional months of following up with dozens of phone calls, Ditech assured me the mistakes have been corrected and all should be well with the credit bureaus. My account finally shows current with them. In my most recent credit report check, the XXXX " 30 day late '' was removed, but a new " 30 day late '' shows for XXXX in addition to the remaining XXXX " 30 day late ''. All the while, I have been attempting to refinance my home in order to improve my financial situation. 
These past 7 months have been a nightmare trying to have them simply report accurately to the credit bureaus. I have spent countless hours speaking with dozens of different representatives located in separate offices across the country. It seems their internal communication between departments is non existent and I get no response. Again, I have never missed a payment, nor have I ever been late on making my payments. I simply desire to have the negative reporting removed from my history so my credit worthiness is reinstated. I should also mention my loan was with Green Tree Servicing who was absorbed by Ditech. The original derogatory credit reporting happened on my Green Tree account number. Ditech has changed systems and assigned new account numbers which does not help in correcting the negative reports on the old account number. Please help!! Thank you.

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