Consumer complaint received 2015-10-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Green Tree/ Ditech are holding up my loan modification. They put me in a streamline modification and never sent me any info of contract or forms to sign. Told me after I pay the XXXX payments I will receive papers. I owe less than 15 yrs on mortgage and told me the streamline would put me in a 40 yr. I only owe about {$6000.00} in back mortgage payments. I told the loan modification agent I want to apply for HEMP which will be better for me. They told ( me after XXXX applications that conveniently continue to miss only the important page of income verification ), that I did n't qualify. It was like pulling teeth to have them give me a reason why, which they eventually stated they were missing my proof of income again which was untrue as I had prior phone call with agent verifying they had all papers needed. Then they claim I was denied because I did n't live in a designated area. No such requirement!! They finally admitted I was approved for HEMP but they determined I was better served to stay in streamline modification. Really!! They refuse to send me any written info on my HEMP application. They want me locked into a 40 yr mortgage with all service charges, late fees and what ever bogus charges they choose to tack on without letting me know in writing until I 'm locked in. They are obviously blocking all applications for loan modifications by losing papers, not sending timely documents for me to sign, dragging their feet and giving false information. How can a government program be left in the hands of these crooks. I say follow the money and there 's no way the government does n't know what 's going on. Desperate home owners are being forced into a streamline mortgage which is basically restructuring the loan to be extended XXXX the original time left on a mortgage.Forcing an applicant to agree to all the hidden terms until the owner is locked in. It states on the info on the government web site that if a homeowner is offered the streamline it is a great benefit to apply for the HEMP modification as it can greatly reduce interest and additional cost which would be added if one stayed with the streamline. It states that one has only 30 days once the applicant is approved for streamline and paid the first XXXX payments on time to apply for HEMP. So why does Green Tree refuse to allow the applicant the ability to apply for the HEMP. The agents repeatedly claim the streamline is so much better and you do n't need to do anything just make your first XXXX payments. They even lied about when the payments were due. If I had n't been pro active and investigated the actual date payment due I would have been 1 week late. I would have lost my home!!! Green tree/Ditech have no interest in helping the home owner, only how to steal your home for XXXX on the dollar or have you be locked into a high interest mortgage plus extra charges for 40 yrs. Seems like loan shark tactics. I need a good lawyer to look into whistle blower class action law suit. If one see this, I have all documentation and records of dates times and names etc.

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