Consumer complaint received 2015-08-01
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
household finance moved mortgage to XXXX. This was a 'pay on time and get reduced interest each year ' loan. i had auto payments so my payments were never late in XXXX XXXX years household finance held the mortgage. In XXXX XXXX account number changed when it went to beneficial, auto pay payments for mortgage were misapplied and i was charged late fees and interest. That issue was never cleared up. XXXX charged me for paying property taxes that i had already paid and i provided proof. However they had the wrong amount to begin with and the wrong parcel/land information and apparently the county sent the 'money ' back to XXXX. In XXXX the extra monies taken from my checking account for the erroneous property tax issue and regular mortgage payment, were never applied to my account. This money sat in an " unapplied funds '' account and i was charged late fees and interest on this as well as the misapplied mortgage payment prior to this. i was assured on several occasions that it would be cleared up and it was n't. I did n't make payments based on the amount of money they had already collected. i sent XXXX payment in XXXX which was cashed, XXXX XXXX payment never cleared, XXXX payment in XXXX returned showing account in default. when questioned where the payments were, i received a detailed billing ( in 3pt font ) in XXXX. XXXX XXXX i was sent a bill and again in XXXX XXXX i again questioned missing payments and if i was in default, why did they cash the XXXX check, why was I being billed and not in foreclosure, etc. In XXXX XXXX I received a letter from XXXX XXXX that Green Tree had my account and to continue sending payments to them. However, i had NO account number, or billing statement. I contacted Green Tree and they never took any information from me but said my account was being 'boarded '. In XXXX XXXX, XXXX XXXX, not XXXX, sent me a lien release. XXXX XXXX XXXX XXXX sent me a zero dollar balance statement of my account. XXXX XXXX, XXXX Green Tree 's collection agency sent me a collection letter that they acquired my account XXXX/XXXX/XXXX for alleged mortgage amount with option to dispute amount and fees, taxes, etc would be settled up once they received that large lump sum. I checked with the county deed 's registrar 's office and household finance shows my lien was released in XXXX. The XXXX XXXX letter is also the very first time I was ever provided an account number. No one has addressed why XXXX finance did n't put property tax money in escrow, where the misapplied funds are and how much my true balance is based on the errors in XXXX. Not one foreclosure notice from either agency. All i know at this point, XXXX released the lien 11 years prior to moving my mortgage in XXXX, never cleared up the account issues and nullified the action of account with them being in default by cashing check in XXXX. It appears that in order to avoid further issues, XXXX XXXX sold the mortgage in a 'batch ' and let Green Tree settle. However, Green Tree could not provide information ( XXXX & XXXX ) never took my name or social security number to research and I was told by a representative that she could n't help me until after i received a special letter or she would be fired. I want them to release the debt that XXXX has already written off as bad debt, which was actually due to their error they never fixed, and remove it from my credit report and leave my home and well being alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief