Consumer complaint received 2016-09-08
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had property in XXXX, AZ. I bought in XXXX as a single Mom. Got married in XXXX and we needed to move to Colorado for better job opportunities. The mortgage was upside down, I set up the property with a rental management company. In the end of XXXX we got behind on the mortgage. 
I started to work with my mortgage company on a modification in the beginning of XXXX, at the time it was Green Tree. During the process Ditech merged with Green Tree or vice versa. Finally, I was approved for modification payment trial in XXXX XXXX. I satisfied everything, the trial payment and all documents. They sent me a packet in XXXX XXXX to sign and I never received it. 
I called in XXXX and because the packet was sent back by Mailman, I was no longer eligible for modification. Ditech said " sending packet back unsigned disqualified me for the modification. '' even though it was in there system as " mailman sent back, wrong address. '' Up to that point I was receiving statements from them. 
I talk to a Supervisor and according to her, they were told in XXXX XXXX, that they had a wrong number for me. They did n't call me but I have had the same phone number for over 10 years. Ditech started to send all notices to the mortgaged address. 
In XXXX, I find out that my house is in the foreclosure process but they let me try again for a modification. Between XXXX and XXXX I kept sending in documents, every time I followed up, they needed more docs or I sent in wrong docs, updated paycheck stubs, the updated tax form needs filled out. XXXX first I was denied the modification, they give me a whole list of reasons why. I call the lawyer to request reinstatement amount, the lawyer got very upset with me because he thought he spoke with me prior. Which he did not. He also got upset because I called on the first and the sale was on the XXXX, with a holiday. " I 'll see what I can do '' was his response, after I explained I just found out I was denied modification. I got the reinstatement amount on XXXX XXXX about XXXX XXXX time. but because it was the day before sale they did extend my deadline to the XXXX of the XXXX, if I sent a tracking number for the check {$6000.00}. The lawyer did send me a reinstatement from XXXX on XXXX XXXX so I could guestimate the reinstatement. 
The tenant in my house stopped paying rent in XXXX because all mail from Ditech was going to her and she learned about the trustee sale before I did, I learned from my property management company. I called Ditech and they transfered me to the " Law '' department. The person I spoke to told me that " it was lost cause. '' I had been in communication with various people at Ditech and no one informed me of the scheduled trustee sale, that was scheduled in XXXX. I learned about it in XXXX. 
The letter they sent me said " did not receive all required docs. '' is why for the denial. 
XXXX XXXX is when the trustee sale was. 
My home that I have hung onto for 15 years has been foreclosed. 

I feel that they are not understanding and I also feel that I was strung along.

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