Consumer complaint received 2016-08-01
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had lost my job several years ago, and was in danger of losing my house. I got help from XXXX my state 's entity for passing along monies from The Hardest Hit Fund. I was under foreclosure protection by being in that program when my original Mortgage holder sold my mortgage to another company. Before I was made aware of the sale, the second mortgage company IMMEDIATELY put my house into foreclosure. When I found out, I contacted XXXX who contacted them, and the foreclosure was stopped. However, the second mortgage company charged me for their legal expenses/lawyers fees by tacking an advance balance on my mortgage of about {$2500.00}, and when I appealed they said nope ... we want our money. I assumed it was resolved since I never heard back from them about their conclusion until they sold my mortgage to a third company. That 's when I started getting monthly statements that listed an advance balance. I 've contacted my current mortgage company XXXX separate times complaining about it and asking that it be removed. I contacted XXXX and the personnel there talked to my current mortgager about dropping the advance balance and the mortgager told the agent of XXXX that there was nothing to worry about that the Advanced balance is XXXX. I thought the issue was resolved but when I tried to get a lower interest rate, bam, I still had an Advance Balance of nearly {$2500.00} that had to be dealt with first ... not some new advance fee, still the amount that was transferred over from the erroneous foreclosure. I talked to them and was assured it was resolved. I 've applied for refinancing again and guess what? The advance balance was still there and at the same amount. I talked to my mortgager one more time, and was told it was going to a special research department. That was over two months ago. No communication from them and the Advance Balance of {$2400.00} keeps getting posted on every bill I receive. Since I never should have been put in foreclosure to begin with ( 1 ) Why was I charged for paying their lawyer to put it in foreclosure to begin with? ( 2 ) How can they tell XXXX there 's a zero balance and whenever I communicate with them or receive a bill the balance is {$2400.00} ( 3 ) I 've tried to get this resolved with my current Mortgage company about every 2 months for a half a year now. They assure me they 'll take care of it and are having a separate department research my issue, and yet they never give me any feedback on how my complaint is progressing and act like they never heard of me complaining when I contact them for an update. After this many attempts I can only come to one conclusion : they wo n't remove the advance balance and are throwing my complaint in the trash can/dead file every time I ask. ( 4 ) When I sell the house, I am sure they will try to skim {$2400.00} off of any moneys I have coming to me after the sale. HELP!

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