Consumer complaint received 2016-01-05
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I submitted a complaint to you about GREENTREE SERVICING on XXXX XXXX, XXXX ( Complaint # XXXX ) regarding several issues of fraud, negligence and or failure to comply with their end of the Deed-In-Lieu agreement I had with them. However, GREENTREE did not respond, a company called DITECH FINANCIAL, LLC responded ( whom I had never heard of ) - they requested more time to respond and you gave them 60 days. Well, since then, I now continue to have problems with this company ( DITECH ) - whom I have never done business with?! For example, NOW they are on my Credit Report (?! ) - with ALL INACCURATE information of ANY account/mortgage I have had. They also sent me a letter dated in XXXX - that did NOT receive until XXXX - citing changes to " my mortgage ''. Well, I signed my property over to GREENTREE thru a Deed-In-Lieu in XXXX ( which Greentree still has not followed through with the written agreement and terms of the CASH for KEYS PROGRAM once I signed the Deed-In-Lieu and I have yet to have that resolved ). So - why is this DITECH sending me letters about a mortgage that has not existed for more than six months and was in Deed-In-Lieu process for almost TWO YEARS before that ( because of incompetency on GreenTree and XXXX part )? And why are they STILL on my credit report with INACCURATE information??? According to the FCRA, since I disputed the information ( XXXX XXXX ) they have on my credit reports and it is still NOT ACCURATE as of TODAY it MUST BE DELETED. The language in the FCRA is very clear, direct and unambiguous ; therefore, I demand this " DITECH FINANCIAL, LLC '' 1./ be held responsible 2./ stop contacting me and 3./ Most Importantly : DELETE the ENTIRE ACCOUNT from ALL of my credit reports. Please know that I also tried to file a formal complaint with the FTC against them, however they state the CFPB handles all of the complaints of this nature. I am also filing a complaint with ( or against ) XXXX for not following through with their end of the Deed-In-Lieu Agreement ( neither the Relocation Assistance and they made me move out more than TWO MONTHS before I was supposed to according to the written and signed agreement ). If DITECH is responding for GREENTREE now, then they should be held responsible for all of the harm and distress that has been done to me. XXXX more thing - I owned that property since XXXX ; the mortgage was sold to XXXX different mortgagors in that period ; each time it was sold, I was sent a letter informing me it was sold and who the new mortgagor would be - however, I have never been told anything other than GREENTREE was my last mortgagor up until I signed it over to them in XXXX. This is the THIRD mortgage company ( in addition to possibly XXXX ) in the short span of only ten years that has harmed me financially, emotionally and mentally! I was a victim of XXXX, XXXX XXXX XXXX and now GREENTREE / DITECH. What is wrong with these XXXX dollar banks doing this to single mothers, working people and honest Americans?!?!?! PLEASE get to the bottom of this and MAKE this company DELETE the account altogether from my credit report IMMEDIATELY. PLEASE. Thank you.

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