Consumer complaint received 2015-06-30
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX our loan was sold to Green Tree. We had only been with XXXX XXXX Bank for about a year ( XXXX ). We continued to pay monthly to Green Tree and in late XXXX filed Chapter XXXX Bankruptcy and reaffirmed with Green Tree. They were not included in our Bankruptcy plan. They were paid on time every month. In XXXX XXXX I received an Escrow Account Disclosure Statement. This was the XXXX XXXX I had ever received from Green Tree. It included a Deficiency Amount of {$3100.00}, shortage amount of {$860.00} for a total of {$3900.00}. I called them immediately. There were some odd things on the statement. For example in XXXX of XXXX there was {$310.00} to other. They could offer no explaination but said it looked odd so they would do another check and get back to me. I would call and check but was told it was still under review. In XXXX my payment went up to an amount I could not afford. My previous payment of {$660.00} jumped to {$850.00}. I contiued to make the {$660.00} because I had not heard any results from the escrow review and calls to Green Tree were fruitless. XXXX XXXX XXXX XXXX from collections called me to ask for the rest of my payment. I made the difference and she promised that she would investigate. Apparently the analysis was complete but I was not given any information. She submitted it again. I continued to research on my own and found my homeowners policy had increases. I called my insurance agent. We conference called Green Tree on XXXX XXXX. I was told that my escrow account was not my concern and I had no right to request statements or verification of where the escrow money had been paid. I was told we were not talking about my money and I would not be given any other information other that the standard Escrow Account Disclosure Statement. My agent and I stated that it was my money and I have a right to know where it went.He also reworked my insurance so there would be no money coming out of Escrow for insurance in XXXX. The agent reacted rudly to my insurance agent and told him the escrow would not be reworked, it would make a difference. It should have in my opinion. The Green Tree agent was extremely condescending and she was n't the last. My requests for information concerning this large amount of money was met in the following weeks with raised voices, rude tones and speaking to me very slowly. The revised Escrow Statement arrived on XXXX/XXXX/XXXX with a shortage of XXXX, Deficiency amount of {$2300.00} for a total of {$3700.00}. I refinanced with another complany this month but prior to the payoff Green Tree tried to bully me into making XXXX XXXX payment. The loan was paid off XXXX/XXXX/XXXX. I was never given an answer as to why my escrow did not receive a review in 7 years. My lawyer stated that since it was not part of the Chaper XXXX I should have received Escrow Statement. The phone calls, rude behavior and stress was uncalled for.

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