Consumer complaint received 2017-02-17
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the second complaint lodged against Ditech from us. The first is Case number : XXXX. 
XX/XX/XXXX, I, XXXX, was named administrator of my father 's estate. In XXXX, I reached out to Ditech again. I spoke with a rep named XXXX at Ditech. I told him that we would like to come to an arrangement on the loan since my father has passed. My mother would like to resolve the loan issue, since she has been staying at the home for almost 30 years. I also told him that because I am unfamiliar with mortgages, that I will have someone else speak on behalf of the mortgage since my father left quite a jigsaw puzzle of an estate that I am still trying to figure out. XXXX advised to me to send a written notification that has the name and number of our representative to him and then that will authorize my representative to discuss the mortgage with Ditech. Our family representative is named XXXX and he is my uncle and my mothers brother. I sent the letter, as requested, and Ditech has been speaking with XXXX on the phone. However, Ditech, suddenly has no recollection of this and had the nerve to accuse me of Fraud on XXXX ... 
At some point in XXXX, our new representative at Ditech was a man named XXXX. He helped us figure out our options and we decided to pursue a Loan modification. We sent in the documentation in XXXX. In XXXX, we tried to call to inquire about a settlement to XXXX and turns out he was fired. In XXXX, we got repeated notifications in the mail saying our representative was XXXX, then XXXX, then XXXX, and now another person. We feel like we are being strung along and not being given someone who can consistently work with us making it hard to find a resolution. 
So, we now have a THIRD representative we have to deal with, XXXX. XXXX seems to have no idea of what was discussed with XXXX and XXXX, effectively making it as if we are starting from zero in regards to the Loan, when in essence, we have been VERY consistent and earnest in our communication with Ditech, sending many faxes, and calling dozens of times to all the aforementioned people. All faxes and dates can be provided at your request. 
So we tell XXXX that although we are pursuing loan modification, we would like to reach a settlement arrangement. At Ditechs request, I wrote a settlement offer and sent it in XXXX. We believe the settlement offer was a VERY reasonable and showed that we were earnest in our desire to end the matter. My father received the loan in XXXX for {$350000.00}, and he has already paid {$370000.00} ( est ), at the time of his death. We offered {$140000.00} to settle the remaining {$180000.00} left on the mortgage. We feel this is VERY reasonable. 
Once we turned in the settlement offer in XXXX, we have heard nothing formal from Ditech. Instead, we hear from some law firm office issuing us a Notice of Intent to Foreclose, on XX/XX/XXXX. Our home is now being fast-tracked for foreclosure. Our loan modification request is currently being ignored. Again, we are alarmed as to why this sudden notice was given. Considering how much we are working towards finding a solution. 
We received a note on the door from Ditech, asking us to call to schedule a meeting in the week of XX/XX/XXXX - XX/XX/XXXX ( I was not home, So I do not know what day it came exactly ). I make the call on XX/XX/XXXX to schedule a meeting. I speak with XXXX, she says she does not know of any request for a meeting. So we believe that there is something fraudulent happening because the things being said, and being written are not the same. We are at a loss on what to do and whom to speak with because we do not feel that they can be trusted at this rate. Nor does she have info regarding the XXXX who is also authorized to speak on the loan. Accusing me of fraud of on the phone. Needless to say I am at a loss on how to best proce

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation