Consumer complaint received 2017-04-24
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   XXXX   F.T.C.   RE :  Ditech Mortgage Acc t # :  XXXX  This request is for verification of funds received accredited to account.     On   XXXX   XXXX   XXXX  , a Certified Letter with return signature card, was sent to  Ditech.   Enclosed were several money orders totaling {$14000.00 } ( letter available ).   Instructions included crediting principle on Acct # :  XXXX , forwarding an updated statement and  overdue  XXXX    Mortgage  Interest Statement. If  notification was not received by the   XXXX   XXXX  , or  twenty-f  our da ys after this certified mailing, a formal complaint with th e F.T.C., for b reech of contract would be file d. ( Card rec eived signed at delivery. Tracking  Number :   XXXX . ) No notifications have been received to date. No emails or phone calls . Ditech ha s all necessary contact information concerning this account. Every week  2-3 emails arrive offering refinancing. Many previous phone conversations have been re ceived and recorded concerning Ditechs attempt to collect late fees, even after receiving Certified mail days earlier. ALL phone calls are recorded without exception or notification. This procedure is acceptable pursuant to   Colo. Rev. Stat. Ann. 18-9-303 ( 1 ).
Will not accept the tired excuse of returned mail. Mail has been received daily at this    address since  XXXX . The  USPS po stman, who I know personally, guarantees me there has been no mail fro  m Ditech. They simply do not send mail. In that case, Ditech should send out all correspondence certified mail.
Will not accept the lame excuse : Everything is on our website. In that case they have all the information necessary to credit this account and relay pertinent information of transactions. Initially I tried to log on to Ditechs website to establish an accoun  t. The site responded with a #  404. The 1-800  help number was no longer in servic e. (  The recording of the recorded message is available ).   The email contact form was never replied to. ( copy available ) NOTE : In all fairness, I no longer go to company websites. Countless hours have been wasted trying to enter passwords. Even if the correct  one is entered, a new one has to  be letters, numbers, uppercase, lowercase or symbols. Credit cards, after entering the correct password, will only allow access by texting a special code. Thanks to  XXXX ,  XXXX ,  XXXX , credit cards, banks, medical, etc., Finally, after trying to log on to a cable provider with no success, I went to the office to pay an invoice. Asking for assistance in establishing an acceptable password, the customer service lady gave me a number. Standing right in front of her, I called a help desk half-a-world away, in  XXXX . With no computer access we never completed a password. Ive never again been on that companies website. If the invoice is not in the mail it will not be paid.     Because there has been no monthly mortgage statements received since    XXXX   XXXX   , each payment t o Ditech must be sent  certified mail, to prevent their constant attempts of fraud and extortion. An accompanying notice clearly states no monthly mortgage payment coupon received. A charge of {$55.00} is applied for certified mail.      USPS D UE   XXXX   XXXX   Tracking Number :  XXXX  {$55.00}   XXXX   XXXX   Tracking Number :  XXXX  {$55.00}   XXXX   XXXX   Tracking Number :  XXXX  {$55.00}   XXXX   XXXX   Tracking Number :  XXXX  {$55.00}   XXXX   XXXX   Tracking Number :  XXXX  {$55.00}   XXXX   XXXX   Tracking Number :  XXXX  {$55.00}   XXXX   XXXX   XXXX   Tracking Number :  XXXX  {$55.00}   XXXX   XXXX   XXXX   Tracking Number :  XXXX  {$55.00}    XXXX   XXXX   XXXX    Tracking Number :  XXXX  no fee   XXXX   XXXX   XXXX   Tracking Number :  XXXX  no fee    XXXX   XXXX   XXXX    Tracking Number :  XXXX  no fee TOTAL FEES DUE {$440.00} In summary, the monies received by certified mail must be accredited to Acct #  XXXX . Any and all fees reversed and current statement received, reflecting credits.  Overdue XXXX  Mortgage    Interest Statement and Certified mailing fees of {$440.00} due and payable. Ultimately, Ditechs mortgage license should be revoked immediately. Their incompetency is astounding and a disgrace to the industry.      Sincerely,   XXXX   XXXX   Cc :  XXXX   XXXX ,   XXXX   XXXX   XXXX     XXXX  XXXX  XXXX

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