Consumer complaint received 2015-10-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Account number XXXX : Originated with XXXX, to XXXX to Green Tree. On or about XX/XX/XXXX, I requested a loan modification from XXXX XXXX XXXX who held my XXXX on my home ; and from Green Tree Financial who held my XXXX. XXXX XXXX was owed {$130000.00} at 5.25 % and Green Tree was owed {$180.00}, XXXXXXXX7.0 %. My home at the time was valued at {$250000.00}. The issues I had were loss of income via a divorce and I was medically retired from an XXXX. 
XX/XX/XXXX, I hired XXXX XXXX in effort to modify my loans so I could afford my home, which was court appointed to me from the divorce. On or about XX/XX/XXXX, XXXX XXXX agreed to extend my loan to a XXXX year mortgage in effort to drop my payment which I accepted. XX/XX/XXXX, A XXXX XXXX from XXXX XXXX worked with Green Tree mustering a deal that I pay {$2600.00} and {$600.00} a month for XXXX months. He went as far as calling Green Tree telling them he was me and accepting the deal without my knowledge or permission. That deal did not happen and XXXX just walked away without any notice to me.. Green Tree closed the second on my house, which I am paying them {$900.00} a month on the principle only payments. They also refused to modify my loan prior to closing it. 
In XX/XX/XXXX, XXXX XXXX XXXX sold my XXXX to Green Tree Financial. I knew the XXXX would start again based on the all the issues I had with them before and it did n't take long. My bank XXXX XXXX XXXX automatically makes my house payment. I made my payment from my bank to Green Tree on XX/XX/XXXX. On XX/XX/XXXX Green Tree without permission took a XXXX mortgage payment out of my bank. I immediately put a stop payment on the funds Green Tree illegally took from my account. Since then I have had several conversations with Green Tree representatives including a XXXX XXXX. Green Tree has taken the position that I did not make my payment in XX/XX/XXXX, which I had. The payment I made to Green Tree they posted, but not to my first. This was admitted by XXXX in words such as and in summary, we misappropriated your funds, I see where you made the payment and it went into another fund area. XXXX went on to say that I owe them an extra {$330.00} for something but could n't say why. He demanded a telephone payment for that and I refused. XXXX said he would get the funds placed in the right place. 
On XXXX XXXX, XXXX I received a call from a female representative telling me my payment was late. I told her it was sent to Green tree via my bank on XXXX XXXX, XXXX ; per my bank records. She said that payment was applied to me missing payment I missed in XX/XX/XXXX. Once again I argued with her that my payment was made and I was not late. She insisted I did not make my payment, that the payment was cancelled. I explained the is to her that Green Tree took an extra payment and it was cancelled by me. She tried to say I set up automatic payment through Green Tree which as I explained to her I did not. She did everything in her power to get me to admit to setting up automatic payments on my XXXX, which did not happen. 
I have received XXXX telephone calls from Green Tree including several computer calls, up to XXXX. I continue to receive bills from Green Tree indicating that I am a month behind which I am not. I have all supporting documents as to the facts I am presenting. The harassment I have received from this institution over the years is ridiculous and unwanted.

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