Consumer complaint received 2017-02-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am forming another compliant against Ditech with the hopes of making it more precise. My problems started when XXXX sold my loan to Greentree/Ditech. 

XX/XX/XXXX, Ditech sent me a letter stating that my escrow overage amount would increase and the shortage was {$890.00}. They stated they would spread it out over a 19 month period ( refer to XXXX page of escrow account disclosure statement ) ; however I sent in the full payment of {$890.00}, check dated XX/XX/XXXX, that cleared my bank ( see enclosed ). When I received my XX/XX/XXXX, statement they showed I owed {$2000.00}, I assumed it was because they had not received my payment in full In the amount of {$890.00} because I did not sent it off until the XXXX of that month. I did call them to let them know I choose to pay in full and not have it added in my monthly payments. Therefore, I informed them I would mail in my regular payment under the XXXX agreement which was {$1900.00} based on the interest rate. My interest rate went up XX/XX/XXXX ; however the effective payment date was XX/XX/XXXX. 

Ditech has been holding my XX/XX/XXXX mortgage payment in a " Funds in Suspense Balance, '' in the amt. of {$2100.00}. Please refer to a statement I enclosed ( dated XX/XX/XXXX ). The information is located under account information in the first column. Since that date, every payment I have sent in, Ditech has applied to the previous month ; therefore they state I am one month behind on my mortgage. 

Let 's just say my payments were {$2000.00} for XX/XX/XXXX ; well the amount they are holding in the " Funds in Suspense Balance '' exceed the amount they stat I owe. 

In addition, I have enclosed just a few of the letter 's Ditech has sent me, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX stating different amounts that I owe, maybe they can explain those to you because they make no sense to me. If you refer to the analysis report enclosed, the records will show that they paid my escrow amount on XX/XX/XXXX, in the amount of {$3100.00}. If you add the balance of {$2700.00} with the {$890.00} payment I mailed in on XX/XX/XXXX ( it cleared my bank on XX/XX/XXXX, please refer to back of check enclosed as well ) the amount total {$3600.00}, which was more than enough with some left over. 

On XX/XX/XXXX, Ditech sent me a letter stating they conducted an escrow analysis report, however they did not fracture in the {$890.00} cashed by them on XX/XX/XXXX, which was after the statement was sent, but before the XX/XX/XXXX escrow payment was made. 

In addition, to all the other letters, they sent me a letter stating I had a past due amount of {$64.00}. By the way in the letter they sited my payment had not been received on time for that month, well the post office would disagree. I sent it certified and tracked, and if staff entered it a day or so late that is on them which is why I was n't charged a late fee. ( letter enclosed ). 

I literally have a 3-ring binder full of mail from Ditech, sending me information about foreclosure, sending me to their collection dept., denied me XXXX modification ; however, they will say I rejected them. I have several letters showing they rejected me. They requested the same information over and over, but that was not sufficient. When I applied the 2nd time they rejected me stating it was because I rejected the first one, which is n't true. I also sent a cease and decease letter siting the law that was notarized and they ignored it I pray you can help me resolve this on-going very stressful matter. Ditech is giving me the runaround as a struggling homeowner receiving Social Security XXXX ( since XX/XX/XXXX ), harassing me, sending me to collection, sending me foreclosure mail, and doing their best to confuse everyone, sending out different letter 's with amounts I owe them. Please carefully review the proof I have enclosed. I have not missed or been late on a payment, and I am a good custome

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