Consumer complaint received 2015-11-11
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our original mortgage was with XXXX XXXX XXXX but since XX/XX/XXXX the mtg co has changed from XXXX XXXX XXXX to GreenTree ( XX/XX/XXXX ) and GreenTree to Ditech ( XX/XX/XXXX ). 
During my mortgage with XXXX ( originating in XX/XX/XXXX ), there were was a successful loan modification ( XX/XX/XXXX/XX/XX/XXXX ) and an additional time when we fell behind two months ( XX/XX/XXXX ), but all was repaid ( I worked with a XXXX customer relations manager ) and the mortgage remained current until the XX/XX/XXXX where we intermittently missed 2 months again. 
I had contacted XXXX on a repayment again but was then notified by GreenTree at the end of XX/XX/XXXX that they were now servicing the mortgage. 
The XXXX XXXX payment was made at a XXXX branch location, but GreenTree claimed to not have received the payment. 
My experience with GreenTree from XX/XX/XXXX to XX/XX/XXXX was very difficult. I had faxed proof of the XX/XX/XXXX payment to GreenTree on XX/XX/XXXX. 
Conversation with the service reps was not helpful ( my account manager was very rude and said that I could not speak to anyone but her ). I explained the hardships that were occurring but they did not offer a viable solution such as a re payment plan, or information on a loan modification. 
I was also never notified by Ditech whether the XX/XX/XXXX payment to XXXX was credited to my loan. 
During all of this time I consistently sent my full monthly payments EVERY month via Overnight Express Mail with USPS. I have all of the receipts for all payments sent. 
On XXXX/XXXX/XXXX I received a notification from Ditech that they were now servicing my mortgage, I was given a representative for my account. I began calling the number and relevant extension but never received a call back. I have left my cell number every time. 
I sent the XX/XX/XXXX payment via Overnight Express Mail as usual. I noticed that the check never cleared my account. I called the same phone number for my representative and it went straight to voicemail again but now it was another representative 's name. 
On XXXX/XXXX/XXXX I received a letter dated XX/XX/XXXX from Ditech that they were returning my check and that the full amount of the debt is due. With yet another person to contact. 
I have left XXXX to XXXX messages on the voicemail for this representative with my cell phone number and have never received a call back. 
I want to stay in my home and I have been making payments all along. I am willing to either make a re payment plan for the 3 months owed or go through a loan modification. 
If anyone takes the time to review my loan history it will absolutely prove that I have successfully gone though a loan modification as well as a repayment. 

Another point is that we were severely affected by Hurricane XXXX XX/XX/XXXX and XXXX was holding back XXXX dollars that remained on the flood insurance claim. Apparently Ditech has this money since I have received a separate letter asking for some additional information on repairs done to the home relevant to the claim. 
I have been approved for a Federal Grant through XXXX but I need to resolve this mortgage issue since it is putting the XXXX grant in jeopardy. 
At this point I do not know how to get a response from Ditech ...

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