Consumer complaint received 2016-12-02
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am continuously having problems with my Mortgage Company, Ditech. I have had this mortgage for about 15 years and it has been " sold '' to a number of companies over the years with no issues. It then went to Ditech and I am at my wits end in trying to figure out what these people are doing and I can not get a simple answer from them regarding where they get their " figures '' from. I lost my job and was unemployed for about a year but got rehired and all is ok now. Obviously, being out of work for a year put a tremendous strain on our finances and we are still trying to play catch up. I missed a payment in XXXX and again in XXXX or XXXX. I made XXXX payments back in XXXX and as far as Im concerned, should be caught up but everytime I turn around, I owe them more and more money. I told them back in XXXX ( for the 10th time ) that I 'm doing the best I can and that my payment of {$1900.00} a month is a stretch but I 'm doing it. They then proactively decided to help me, kept me on the phone for a half hour and gathered all kinds of information about my other bills, income, etc. She then came back all excited and said " I was approved '' and her answer to my problems was a " repayment plan '' which then changed my barely unattainable $ XXXX monthly payment to {$2700.00}! Going in the wrong direction!!! So, being that I was one month behind and my mortgage is almost paid off, I paid the {$2700.00} in XXXX and XXXX and then I get a letter telling me I 'm in default and I have till XXXX to pay {$3100.00} or they will take my house! What? So I borrowed money from my in-laws and paid the {$3100.00} on XXXX. So I just went online to pay XXXX mortgage pymt and the website says payment due is {$3900.00} and wont even let me change the payment amount to anything less than that. Where does this come from? I missed XXXX payments in 15 years! Made up XXXX of the payments within 3 months and have paid close to three times the amount of the XXXX payment and I 'm still behind? I expressed my anger to the " loan manager '' earlier this week about these fees and this money they keep demanding and threatening to take my house for. No explanation, just that I am " current '' on my " repayment plan '' which means with all of this money I have now paid, they still want me to pay {$2700.00} a month instead of my original {$1900.00}! I asked her why I had to pay {$3100.00} then if I still had to pay this ridiculous " repayment plan amount ''. Her answer was that she does n't work in collections so she could n't help me. I literally have {$8000.00} left to pay and I 'm done! like XXXX payments! and I have spent a fortune in interest for years. Now that Im paying all the principal and almost done, they are making up these insane amounts because they are n't making any money on my loan! So my XXXX payment behind ( {$1900.00} ) has resulted in me paying them an additional {$2600.00} since XXXX and they are telling me Im still one month behind and my current pymt due is {$3900.00}!!! Please help! They are taking my money and crediting me nothing.

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