Consumer complaint received 2016-12-22
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When Ditech bought my mortgage from XXXX, trouble started.Many calls and lots of frustration about incorrectly posted payments, escrow record problems and etc. 
Customer reps seem indifferent and do n't resolve the problem. I would refinance but my house is paid for in a couple of years.Possibly the worst company I have dealt with in my life. 
My loan was sold from XXXX to Ditech soon after a death in the family ( my ex-husbands suicide ). I have sent death certificates ... divorce settlement papers ... every document needed to get my deceased ex-husbands name off the loan and yet they continue to send me documents with his name on them monthly and my wrong name too ... sometimes XXXX to XXXX times a month years after his death. This is very disturbing considering I have children who get the mail and it is very disturbing seeing his name and my old married name on the envelopes. Trying to pay for a home due to death and having more financial burden than I should, I became late on payments. 
I have since re-married and we are still experiencing financial difficulties. I just want simple changes made to the mortgage ... like just my name on the deed and explanations as to why and where they are shifting my payment monies to and finally ... why my monthly payments continue to grow without explanation. 
Ditech calls me all hours of the day, talking nasty to me, acting like I am a criminal. Reps are pushy and rude. They even call me from different numbers because I started avoiding their calls. 
I called once I knew exactly when I could pay and was told that unless I was paying " today '' to just mail my payment. Some of the payments have been " lost in the mail ''. I get off the phone and XXXX minutes later another phone call from Ditech. I 'm now past due and they act like it 's been months. I bet they 've called me over XXXX times in the past week. 
My payments have shot up over {$150.00} in the past year with no explanation as to why. Unexplained added fees and taxes have been added also based upon sales tax and escrow accounts. Very unprofessional, rude, mean, nasty, customer service. The worst I have ever experienced. 
I think if this company is not stopped they will continue to take advantage of the middle class people and drive people from their homes just so they can make a quick profit. These people are crooks. To make a payment over the phone costs {$20.00}. If you mail it magically gets lost or detained every single month so they can charge a late fee and they wo n't let you make payments online unless you are caught up on payments. This is an awful company. I ca n't find a single satisfied customer! 
They add fees, makeup fees, fraudulently document charges just to keep milking you and me. Class action lawsuit - AGAIN! {$64.00} XXXX was not enough to teach them. Greentree ( XXXX ) just changed their name to Ditech ( also a XXXX ) and continued to use the same illegal practices. I 'm sure that Ditech is stealing more money from us all and committed more fraud than just what we have caught! 
There is not XXXX positive review about Ditech. What that tells us that they are corrupt company that are affecting our everyday lives. We all deserve justice. So instead of just ignoring the problem it will never get resolved and we will continue to be the victims of XXXX of the most horrible mortgage companies in business. 
Having a terrible time with this Ditech / green tree ever since they took over my mortgage they have constantly hounded me over the phone and by mail for more money every month every time I turn around I get the stuff in the mail, and it 's always for a larger amount of money. Somehow or someone legally needs to get to the bottom of this company and figure out that they 're scamming customers. 

CLASS ACTION SUIT!!!!!

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