Consumer complaint received 2015-09-16
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I along with my Realtor have been working with Green Tree Sercicing LLC ( " Green Tree '' ). now Ditech Financial LLC effective XXXX XXXX 2015. My house located at XXXX XXXX XXXX has been on the market several months, we requested and was granted permission to conduct a short sale. My Realtor presented seveal offers to Green Tree but they refused each saying they did not provide the level of funds they desired. My Realtor discussed options with me and I decided to pursue the Deed in lui of Sale if the final offer was refused by Green Tree. My Realtor conveyed this to the Green Tree representative, who did her best to support us. We then received word that Green Tree would pursue foreclousure procedings on XXXX XXXX and a decision was needed atleast 30 days prior to allow for the deed in lui of sale to be processed. My Realtor attempted several times to contact Green Tree to advise them of the decision to pursue the dead in lieu of sale but could not contact anyone ; she final got through on XXXX XXXX, XXXX day after XXXX ) and was told it was now to late to request a deed in lieu since it was inside the 30 day window. I spoke with the Green Tree representative and requested they reconsider since attempts were made to contact them prior to XXXX XXXX and they were closed on XXXX XXXX for the holiday. 
It is unreasonable that Green Tree would refuse to accept my request for a Deed in Lui with the rational that it was XXXX date late given the prevailing circumstance. I have made every effort to resolve this mortgage issue, I informed Green Tree that my hands have been tied and mitigation processes were not an option since I have a court order mandating the house been put on the market and any proceeds shared with my former spouse. I continued making payments on the house and maintaned the insurance even though I would not recoup any profits from its sale. I explained to Green Tree it did not make sense to foreclose on the property and they reap pennies on the dollar versus accepting the offers submitted or now the deed in lieu of sale. The Green Tree representative told me her hands were tied and the final decision rest with her leadership. I am sending a letter/email to her leadership asking them to reconsider but also need the foreclousure process to be pushed back to allow time for us to reconsider the options and come to some common level of understanding and agreement on the way forward. 
I am currently vigorously involved in yearend closeout with the United States XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina and have scarce amounts of available time to make personal phone calls regarding this matter. I need the foreclosure proceeding pushed back to allow me and my Realtor to work out reasonable options with the Green Tree/Ditech representatives. 

I can be contacted at XXXX from XXXX to XXXX daily and XXXX in the envenings. 

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