Consumer complaint received 2015-11-02
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX I contacted GreeTree and spoke to XXXX ( mortgage account agency for my account, XXXX ) regarding a letter I received from the Home Owner Association regarding past due association due, and the foreclosure notice for my property at XXXX XXXX XXXX, XXXX, XXXX XXXX MN XXXX. 
I asked the young lady about Green Tree about paying the back dues, and add the monthly dues to my monthly mortgage payment. She told that she would check into the issue about the foreclosure and paying the outstanding dues and call me back. I did not receive a call back and decided to call again. 
This time I reached another individual because my account rep ( XXXX ) was not there. I explained to the customer service rep the issue and he told me the fax the information over to the office and they would submit it to the foreclosure area, and they would contact me within 7 to 10 business days. I communicated that I did not have 7 to 10 business days and asked if they could rush the process. I called back on XXXX and they confirmed that they received the information. I called back on XXXX and spoke with another rep. who contacted the foreclosure division and he communicated that the people we need to speak with are not in the office. However he would send an e-mail to the young lady in the foreclosure area regarding the issue, and he asked me to fax over a copy of the letter that was initially sent. I did ( number XXXX ). On XXXX I spoke with the young man again and he communicated that there was nothing on their books showing a foreclosure. I asked them to contact the HOA regarding this issue and agree to pay the back dues. I also told him that I explained in the letter why I believed it was important for GreenTree to work with me to prevent foreclosure. He agreed. On XXXX the individual called me back and communicated that there was no need to worry about the foreclosure because they will take care of it. After this conservation I believed that they did and would. About 2 weeks ago I was told that the home was auction off and sold for {$4000.00}. GreeTree communicated that they were /had taken care of the issue with the HOA, and I believed them. They lied and I have lost a home that I paid approximately {$580000.00}, and was valued at approximately {$520000.00} when it was auctioned off. 
- XXXX/XXXX/2015 XXXX XXXX XXXX XXXX- XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX. XXXX XXXX ( Fax ) - XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX. XXXX XXXX ( Fax ) - XXXX/XXXX/2015 XXXX XXXX p.m. XXXX XXXX/XXXX/2015 XXXX XXXX p.m. XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXXThe phone log above illustrates my contact with GreenTree to resolve this issue. On XXXX/XXXX/2015 I received a call from GreenTree stating that they had spoken with the foreclosure division and there was no need to worry about the issue with the HOA. That it was taken care of. 
I contacted GreenTree ( XXXX ) and told her that they lied about the foreclosure. She stated that I have until XXXX to pay the HOA. However I communicated to her that GreenTree lied about what they were going to do regarding the foreclosure action. I wanted to prevent the foreclosure process, and therefore contacted GreenTree, and I was told that they had taken care of the issue. 
I want GreenTree accountable for my loss regarding the home. The hold was auction off for {$4000.00} dollars and I lost current and potential equity in the house ( {$30000.00} ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation