Consumer complaint received 2015-05-12
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Last year I filed with CFPB a complaint that XXXX XXXX XXXX committed fraud. After filing my complaint XXXX did file a Motion to Vacate the Final Judgment, Certificate of TItle, Cancel the Foreclosure Sale, Dismiss the action and Release the Lis Pendens, Order dated XXXX XXXX, XXXX. XXXX county CIrcuit court Case Number XXXX. XXXX XXXX, Specialty Servicing Advocate II Social Media Team Office of the CEO and President of XXXX XXXX XXXX XXXX XXXX, Phone XXXX, extension XXXX had told me that XXXX would help me giving me with a Loan Modification, he asked for my husband, XXXX XXXX, who died on XXXX XXXX, XXXX, death certificate along with any income I may have. He kept informing me with weekly calls that ( I have all recordings ) telling me do n't worry XXXX wanted to help. After sending the death certificate, along with my income they wanted me to sign a Assumption of Mortgage. On the original Note, My deceased husband was the only one who signed the Note, the Deed/ title was in both my name and my late husband. He did not leave a Will, there was no Estate filed, he did not have life insurance. XXXX XXXX XXXX Loan # XXXX, under Florida Law the title should be in my name since the Deed was in both our names and it was homestead property. I did not sign the Assumption of Mortgage because the title should be in my name, I do not owe XXXX anything because the Note was not signed by me, it was signed by my late husband. Before my husband 's death, there was a Trial Loan Modification for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which the payments were made, the representative who handled it was XXXX XXXX, Customer Relationship Manager, XXXX with XXXX, XXXX XXXX, XXXX all the income information was faxed to him, he handled it from there with the payments for the Trial period. XXXX, XXXX the representative told us we were approve for the modification, she said do n't worry the foreclosure hearing will not go through on XXXX XXXX, XXXX, underwriting for XXXX said we would receive our payment booklet at the end of XXXX, XXXX, payments were approximately {$1200.00} monthly. Unfortunately, my husband, XXXX XXXX died unexpectedly on XXXX XXXX, XXXX, XXXX days before the hearing, I was devastated, and under duress we were married for thirty years. We have a daughter who is XXXX I have to take care of she has XXXX. This is my homestead, the title should be in my name, right of survivorship. XXXX XXXX, XXXX XXXX sold the mortgage to Green Tree, Account Number XXXX, when I called them and explained everything they said they could not talk to me because my name was no where to be found. XXXX failed to let them know that I am on the deed, XXXX never sent them the death certificate or told them about the Loan Modification in XX/XX/XXXX. We had a bad storm which took off some of the roof of the house, XXXX was suppose to have insurance on the home. Green Tree sent a letter to my late husband stating that there was no coverage on the home at the time of the storm. Now they are sending billing statements, XXXX can not get away with this FRAUD the Government has to do something to help me get the TItle back in my name, please research this for me I have asked XXXX for months to refund the money for the Trial Periods we paid to them in XX/XX/XXXX, but they keep ignoring me, they are taking advantage of me, Please have President Obama read this I need help to get my homestead back I have been living here since XX/XX/XXXX. Thank you. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX is a illegal bank and will continue to do this to people.

Company response to consumer: Closed with explanation