Consumer complaint received 2015-10-20
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my name is XXXX XXXX my husband and i seperated in 2011 we had a morgage loan thru greentree financial my morgage was current at the timemy husband lost his job and i was having trouble making my morgage so i called green tree to tell thenm what was going on they told me to get a written statement from my husband saying we were seperated and they may be abel to give me a modification on my loan so i could afford it my payment was XXXX a month i had to send them papers with my payments that i had which was utilities insurance ect i had XXXX children liivng with me this company led me to believe for at least 4 months they were going to help me with this modification well guess that was a lie i finally got a letter stating that they couldnt do the modification i made to little money mind you i had been paying for this home for at least 11yrs i was devestated they called me everyday at least 5 to ten times a day wanting me to send a payment than the one night i get a call from a rep of theres saying XXXX XXXX you did not get the modification and you have to come up with a payment i told him i would try to get a payment when i got paid he said cant you get it from a family member or friend your behind and i think at the time 3 paymentsi said yes sir he said i dont mean to be a XXXX but you cant live there for free by this time i was in tears as to how rude and non understanding he was i dsaid you all led me to believe you were helping me four 4 months now you tell me i have to get out in the middel of the winter with XXXX kids and know where to go he said you have to XX/XX/XXXX to get out which was not even a month or the police will bring papers to remove you i was devastated at the way this man spoke to me itold him i would try to get all the payments to them with income tax but he would not here of this he said send me at least a payment or you have to leave this is my story i ended up leaving and signing papers to them losing my home to them in leiu of deed they gave me and my husband so much time to get everything out of the house they brought dumpsters and trailers and took my husbands stuff out of the garage and the house which went to them because my husband could not get there because of the snow to retrive his things they kept what they wanted gave it to a relitor and and sold it. i think i was treated very unfairly and was thru out with my kids in the middel of winter, i was lied to by this company and i did everythin they saked me to do to try to save my home i thought this was what a loan modifaction was to help people to save there homes this is a very decieving company you may ask why im taking so long to see if anything can be done or if i have any legal grounds to stand on i will never be abel to get another home because if this they sold my home for near nothing to the relitor but could not help me pretty sad if i say so my self well thank you for reading my complaint sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX

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