Consumer complaint received 2016-10-14
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Consumer Financial Protection Bureau Complaint XXXX This complaint deals with the complaint that I filed earlier. I did not know how to go back to that complaint and add to it. 

I filed a complaint against Ditech mortgage company for harassing procedures involving notifying me of non-payment, late payment, etc. I was receiving many automated calls telling me to contact them and that I was being assessed late charges. 

This has escalated. I am still receiving calls. In addition I am getting harassing letters, which include notifying me that I am late ; that I should consider loan modification, refinance, or sell my home and find housing that is more affordable. Each time I call them and a representative tells me that I am not delinquent. In fact, I have always been on automated payment through my bank ... so I know that I do not miss payments. I have asked to talk with a supervisor on numerous occasions to be told that there is not one available. That I can have one call me. I have not had anyone call me. In addition, I was told to submit an application for biweekly payments. I was told to e-mail the first one. It got lost. The said they never received it. I faxed the second one. I filled it out under the direction of the company representative. I then received a notice from Ditech notifying me that they denied my application because I requested that they set the due dates outside of when they take payments. They told me to resubmit ... but did not inform me as to the parameters of the dates. I called again, and again I completed the application under the direction of the representative. I received 3 letters informing me that I was late and threatening a fine. I had an " Urgent '' message taped to my front door informing me to call them to arrange a meeting to discuss my account. I called the name and number of the representative assigned to me. I called and was told that I could not speak to her because I was not delinquent and she would only talk to someone about load modification. Since I was not delinquent, she would not take m calls. 
I am finding discrepancies in their billing and application of my payments. They are not crediting my account on the day that they received payment. They wait until later when they think that I have a complete payment. They added a {$2700.00} adjustment to the principal of my loan. They said that they had overpaid my principal. They are reporting that I am paying more interest each year. There is a significant difference between reported interest and the principal amount. My payments + the reported interest do not match the proposed increase in principal. I am unable to work with anyone who can help me. I have tried to contact someone who can help, but am unable to get past the general customer service people and they tell me that everything is fine .... And they refuse to move me to the next level. I asked for a history of all of my payments and principal amounts that correspond to them. I was told that I had to request that in writing. ( Their on-line records only go back 1 year ) I am XXXX years old and am trying to pay my mortgage down quickly by making bi-weekly payments that exceed the normal monthly payments. They are not crediting me the correct amounts for interest .... Which they are overcharging and not applying the correct amounts to the principal. I believe that they have put tactics in place that are abusive, illegal, and unscrupulous to allow them to continue their predatory practices to cheat consumers. I can not work with them because they refuse to even acknowledge me. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation