Consumer complaint received 2015-08-30
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is issues we are having with Green Tree Servicing LLC. Our house is located in XXXX Oregon and we are presently scheduled to attend a mediation conference administrated by the State of Oregon, on XXXX XXXX, XXXX. 
Green Tree Servicing is the sub servicer and XXXX XXXX XXXX servicing is the Master servicer. 
Since XXXX XXXX, we have been attempting to obtain certain mortgage documents for our review for the scheduled meeting. As of XXXX XXXX XXXX, we finally received the documents for our files from Green Tree servicing. However, the majority of what they sent, are not usable or do n't pertain to the requirements outlined by the State of Oregon in what was expected from the beneficiary. 
Since XXXX XXXX we have sent several QWR ( I have attached my copies ) and Green Tree has n't addressed the issues in which we have outlined and were very specific on the errors concerning our mortgage loan. 
We have been in our home since XXXX and this current issue started after we received a refinance loan in XXXX XXXX that was transferred to XXXX mortgage for servicing in XXXX XXXX. Everything was paid as agreed until the economic crisis that started in XXXX. 
In the spring of XXXX, we inquired to XXXX about getting our payments reduced in order to stay current with our mortgage loan. During the spring and summer, XXXX indicated they were willing to do a loan modification and in XXXX and XXXX of XXXX, we attempted to get things competed. 
During those two months, XXXX added our past due property taxes to a TARP modification and at the end of XXXX of XXXX, created a modification that added those past due amounts to our principal mortgage loan. 
The problem with our payments still existed, since the property taxes were added, but the payments were n't reduced and the XXXX rate still remain the same as what we had on the original loan in XXXX XXXX. 
So we continued to ask for a reduction in payments and interest rate. XXXX did review again and in XXXX XXXX, we received a Step Rate modification loan that reduced our payments from {$4100.00} to {$2500.00} per month. 
We signed those documents in XXXX and our first payments were to begin on XXXX XXXX. XXXX added interest expense for XXXX, XXXX and XXXX of XXXX. That increased our principal balance by around {$12000.00}. 
During that same time frame, XXXX was purchased by XXXX XXXX XXXX and that 's when everything started going downhill. 
When we made our payments starting in XXXX XXXX, we noticed that the payments were posted as " Misc Adjustment '' on our monthly statements we received from XXXX and then XXXX XXXX XXXX. 
We inquired as to why but never received any answer back from XXXX XXXX XXXX. We even sent a letter on XXXX XXXX, XXXX so we would have it in writing. No response was ever received from XXXX XXXX XXXX. We continued to make those payments and then in XX/XX/XXXX/XX/XX/XXXX we were notified that our escrow for taxes had negative balance and we would be required to increase our payments from {$2500.00} to over {$6100.00} per month. 
So that was the beginning of where we stand today. We stop making payments in XXXX XXXX since we could n't get anyone to make the necessary adjustments. 
So here are the major issues as it relates to our mortgage and the upcoming mediation meeting on XXXX XXXX XXXX. 
XXXX XXXX XXXX servicing and Green Tree Servicing refuses to acknowledge and provide the documentation on the time frame from XXXX XXXX through XXXX XXXX. 
No explanation has been given as to why the payments that we did make in XXXX XXXX through XXXX XXXX were posted as MISC adjustments, rather than interest as called for in the step rate modification ( copy provided ) Our mortgage loan was supposed to be a part of a XXXX XXXX XXXX Certificates XXXX XXXX.

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