Consumer complaint received 2016-06-08
Company: Ditech Financial LLC
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I 'm filing this complaint because Ditech response was so disingenuous. It is very easy for Ditech ( Green Tree ) to clear this up, on XXXX/XXXX/XXXX Green Tree made very clear, they are not obligated to accept payment arrangements other than those outlined in the contract ... ... That letter states there 's a contract. I want to see it. If there is n't a legal contract to support the loan modification we need to start talking about damages. When I read your ( ditech 's ) response, this is what went through my head. 
1. Are you saying we had a " rental '' agreement on XXXX XXXX, XXXX, but before I received anything in writing I had to give Green tree {$10000.00}? Please explain. 
2. Are you saying Green tree ( Ditech ) rights under the security agreement give Green Tree ( Ditech ) the authority to turn the discharged mortgage into a Rental agreement? Please explain. 
3. Are you saying I was so desperate I would pay rent on your rental unit plus pay green Tree 's property tax and pay interest on the rental? Please explain 4. Are you saying you disclosed an agreement that disclosed I was a renter? Please explain. 
5. Are you saying the money 's disguised as loan payments were part of the settlement agreement? Please explain. 
6. Are you saying a one-sided response to the state of Michigan in XX/XX/XXXX means anything? 
7. Are you saying that Green Tree ( Ditech ) is standing by these statements that the discharged note and mortgage is our agreement? Please explain. 
8. Are you saying part of the agreement was agreeing to make payments in order to retain the property or was it collateral? Collateral means ownership. A home owner 's policy was required. Please explain. 
Without a contract to support Green Tree 's actions, it appears that thousands of dollars was taken under a false pretence. Anything that happened before XXXX XXXX, XXXX is misleading because Green Tree had already foreclosed and became a landlord by creating this rental agreement, which looked like a mortgage agreement. I am respectfully disagreeing with your interpretation of our agreement. I would never agree to an agreement that required me to commit fraud. ( Buying Home Owners Insurance for a rental ) By requiring a home owner 's policy for the rental property has to raise some skepticism. 
For the record, the reason there was a settlement agreement, Green tree threatened to evict me. Green tree choose to sell me the home at market value, rather than a trial by jury. The settlement agreement was just a sham. Green tree was trying to collect {$250.00}, XXXX with the fake rental agreement but decided to sell the home in the settlement for {$150000.00} .... I could have closed on the home the first month of the settlement agreement. All that had to happen was verification of payments. Rent or mortgage payments. Green Tree would n't call my payments rent nor mortgage payments. That should raise some skepticism. 
I requested and received my payment history from Ditech ; all the payment had the appearance of mortgage payments. The Payment I paid during the settlement agreement was not disclosed. I called customer service, they told me it would take about a week to find them, I called the attorney that collected the rent, he told me he ca n't talk to me without Ditech 's permission. That should raise some skepticism. 
We can settle this out of federal court.

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