Consumer complaint received 2015-05-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Subject : Greentree Servicing extending processing, not evaluating documents properly. Homeowner submitted RMA requesting modification result from medical hardship and filing bankruptcy. Homeowner was denied a MHA loan modification. Homeowner filed all required court documents and to pay mortgage payment separately. Homeowner has a current medical hardship with spouse. Homeowner has an aggravated medical hardship with a family member with XXXX. Greentree failed to take the medical hardships into account. 

Greentree has begun a double tracking and set the date of foreclosure sale, for XX/XX/XXXX. Greentree is in violation of the DOJ Department of Justice/ XXXX States Attorney Generals Settlement Agreement. 

Homeowner is being discriminated against in a form of reverse discrimination because of age, race and medical hardships '. 


This homeowner, feels that his case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. No single point of contact has been assigned. 
3. Homeowner thought that the mortgage payment was included in the trustee payment. 
4. Greentree did not inform the homeowner of his modification options under the MHA Making Home Affordable guidelines. 
5. Homeowner and Authorized 3rd Party has made numerous calls ( XXXX ) inquiring on status of his loan modification application, calls were routed to next available agent, comments were : A ) wrongfully advised that documents were not submitted, or lostB ) documents were submitted by homeowner but not located in the data base, orC ) resubmit your documents again. 
D ) the foreclosure date is set and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowners household. 
XXXX. Greentree started the double tracking procedure with XXXX XXXX XXXX XXXX on XX/XX/XXXX. Greentree was aware of the loan modification in process, and moved forward with the double tracking anyway. This is a clear violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith to protect their home from foreclosure. 
Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading Greentree processing agents with a case work load of XXXX+ cases as per one agent 's statement. These overload cases are causing a form of mortgage discrimination against homeowners, thus losing their homes to an inability of the Loss Mitigation department to properly manage the existing case load. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners.

Company response to consumer: Closed with explanation