Consumer complaint received 2016-10-01
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial is refusing to reconcile the payments I have made on my mortgage account. They also are threatening to arbitrarily increase my escrow witholding amount to a figure that is close to double the amount of the needed funds to pay the taxes. They claim to have paid an amount to the XXXX of XXXX that is over double what the tax bill was ( Paid XXXX instead of XXXX ) I have no evidence they actually paid that amount other than their claim, but I assume the township would be only to happy to take any money they gave them. My point is simple if they sent the wrong amount that is their money not mine and the charity they have started is not going to be funded by me. The escrow account needs no adjusted figure and an arbitrary cushion they would like added to increase my payment is simply an attempt to force me to refinance with another company or even them again. I have told them on every occasion to stop sending advertisement information yet they persist. I want the money they paid extra to the XXXX credited to my escrow account Now. The amount they are short is {$2200.00} and I want it back. On XXXX XXXX at about XXXX edst I phoned Ditech and spoke to an obnoxious woman in their call center named XXXX After many attempts to get her to adjust my account she said my account was given credit for all my payments and something to the effect that they were within their right to adjust my escrow account as the pleased. Excuse me if I paraphrase as by this time I was so upset by the fact I was getting no where with this person who could n't even listen to what I was saying let alone take an interest in their problem. Maybe they did me a favor by tring to steal so much money from me that I have now gotten to the point of demanding fair treatment and an accounting of my payments and the credits they owe me on my account. 
Here is what they have not done as far as payments and credits to my account. There is no clause in my contract that says I can only make XXXX payment per month toward my principle. My Mortgage was originated through XXXX Bank, they sold it to Greentree servicing which was Ditech and now they are admitting it is Ditech. In the process of all this switching we were making the payment online. Even after assuring us there was no difference we could continue making our payment the same way suddenly when we went online we were switched to Ditech, while that was a problem then it is resolved now ( I think ) On or about XXXX XXXX I made a payment of XXXX on my mortgage which is {$590.00} greater than the amount due to cover Principle XXXX, interest XXXX and escrow XXXX of course the extra moneys are supposed to go to additional reduction of principle. According to my XXXX statement my balance was {$250000.00}. I made an additional payment of {$3000.00} on XXXX. Because the payment was already made the entire amount should have gone to principle, instead they took it and put it in escrow which was adequately funded per the agreed upon schedule. they clearly did this to avoid deducting from my balance and to avoid paying interest on their unauthorized loan. My balance should be then {$240000.00} they showed {$250000.00}. The next month they did it again XXXX I made the XXXX payment and the XXXX on XXXX. They are showing my balance due at {$250000.00} and it should be {$240000.00}. All this and according to their representative XXXX they do not have to provide me with a statement correcting my balance or even look into the huge discrepancies. I am absolutely certain my current balance is a few dollars less the {$240000.00} and I need to get the Ditech Financial people to admit it and credit my account properly. I also want them to stop harassing me with threats of increased payments to fund the escrow account. I do not want to spend 20 minutes waiting for an incompetent person.

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