Consumer complaint received 2017-01-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Continuation of Case No : XXXX-Ditech Financial LLC Ditech did not honestly address the issues in my original complain beginning with the charges added to my bill for " repairs '' and they continue to fraudulently add charges each month for " repairs '' and/or " utilities '' that are not actual charges incurred on the property. I have attached my billing invoices from Ditech to show the charges each month starting with the XXXX statement showing the charges to prove the amounts they have charged. I have also attached a copy of my Alabama XXXX billing statement to show a complete summary of how much my monthly charges have been up through XXXX when Ditech called them and took over billing for the power on the property. My Alabama XXXX monthly charge has not been over {$39.00} since the home has been vacant. You can see that on this invoice beginning in XX/XX/2016. Ditech has NEVER paid for the Water/garbage on the property and I recently had the water turned off to the property and closed that account when Ditech informed me that they had the property winterized. I do n't know if they have actually winterized the property or not because I am 3000 miles away but since I have been told by a neighbor that there was a sign on my door that it had been winterized I am assuming it has. ( Although XXXX informed me that they were never contacted by anyone to winterize the property or turn off the water to the property by anyone other than me ). As you can see by the Ditech statements beginning with the XXXX statement and ending with the XXXX statement, I have been charged a total of {$1600.00} in additional charges labeled as " repairs '' and/or utility fees. I still have not received any invoices for these charges and I have asked for them several times. 
Also my deed in lieu has been approved and all additional liens that were showing on my home were cleared up within 1 day by me once I was informed that they were showing on my title. I also had all remaining articles removed from my home that Ditech stated they would charge me {$250.00} to remove at closing which was supposed to be on XX/XX/2016. The only thing I have heard from Ditech was that they were having trouble with XXXX and the negotiation of my second loan because they would not accept the {$2000.00} that they were offering them to settle their $ XXXX loan. I have been given no other alternatives and I have been told by XXXX ( the loan company for my second mortgage ) that the representative from Ditech has only called them 1X to discuss any type of settlement. Again, the communication with the mitigation representative ( XXXX ) at Ditech is unacceptable. I only received call backs the first week after my first complaint to CFPB. I need this resolved. I demand a NEW mitigation representative who is dedicated to resolving my deed in lieu and my negotiations with my second mortgage company. I demand answers. I demand integrity. These additional charges on my account are fraudulent and need to be investigated!

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