Consumer complaint received 2015-12-29
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am applying for a loan modification with Ditech, the third lender purchased during the modification process. During the past year my A/C broke and the replacement caused water damage to the newly installed floor ; that I also just happen to XXXX attempting to install ( amputated with a circular saw ). Additional items with my house during the past year alone, I 've had to replace plumbing parts/repair on aerobic system, replace a broken dishwasher and washing machine. 
I was able to file a claim with XXXX, the insurance company my lender enforced for insufficient coverage previously. The insurance adjuster, XXXX ( asked I call him XXXX ), processed settlement claims/checks for the floor replacement, after deductions approximately {$3800.00} ; and advised the A/C payment would be in two installments, with the final installment paid when the adjuster receives the invoice of completed work. XXXX sent the first installment of XXXX {$1800.00}, and I sent him proof of the work that was completed as instructed but never received the remainder settlement check, nor any explanation or otherwise comments/advice. Therefore, my floors remain damaged, as his report will reflect. The checks were issued in my name and Ditech 's, therefore, I sent for signature after receiving specific instructions sending via XXXX. 

The A/C servicer is 'harassing ' me for his payment. He deserves to be paid but I can not pay him until Ditech releases the check paid toward the A/C. I owe {$2800.00} for the A/C, but XXXX 's Insurance Adjuster has decided to dodge my calls ( ID ), does not respond to my e-mails, or text messages ; same or similar actions with Ditech and its claims department. I have been treated as if I 've done something wrong. It 's ridiculous, and I 'm at a loss for much more effort toward working with these crooks ( for lack of better descriptions ). The Claims Department with Ditech, and/or XXXX ( in-house insurance ) have been willing to respond to my inquiries of the final payment toward the A/C repair with the invoice I submitted, nor the release of checks requiring Ditech 's representative signature/endorsement. 
Because of the long-drawn-out modification process, most recently XXXX/XXXX/15 of yet additional documentation and request to complete the entire modification paperwork/pack my credit is less than perfect, so I 'm in a lease program for the large appliances. Instead of replacing the entire A/C unit, repair/replace parts as described within/enclosed and still owe for that {$2800.00} service, I have had estimates, but ca n't replace the water damaged floor because my mortgage company will not release the monies paid on the claim. 
Appreciate your overseeing of the A/C second/final installment based on completion invoice submitted, as agreed/instructed. As well as, enforcing Ditech to endorse and release the funds issued, currently in their possession.

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