Consumer complaint received 2016-04-04
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Following the Cfpb website and sample letters, as well as rules for mortgage servicers, I submitted a Notice of Error to Ditech on XXXX XXXX, XXXX, per the USPS Ditech received this notice on. I have for the past 5 months asking Ditech to credit a payment I made, they processed, and according to their representatives, placed in suspense ( though it was a full month 's payment ). Ditech stated the payment was returned, was not, due to my account being referred to foreclosure, the day after payment was received. Ditech also states that on XXXX XXXX, XXXX they stopped receiving payments from me. The payment in dispute was received on XXXX XXXX, XXXX, again Ditech cashed the check and I provided proof from XXXX XXXX. I have exhausted the options Cfpb states are placed in protection for borrowers. I have followed all correspondence suggestions, sending in a multitude of letters and faxes to Ditech. To put it blatantly, Ditech has refused to provide me with information, that laws specify I should have already been in possession of, such as on my statement Ditech should have listed the amount that was in suspense- THEY DID NOT, on my Statement Ditech should have listed any and all transactions during the covered period that was exercised on my account- THEY DID NOT, Ditech should have credited my account on the day payment was received ( my account was not in foreclosure-by Ditech 's own admission the date they " referred my account '' was XXXX XXXX, XXXX. Ditech, knowingly placed information on my credit report that was erroneous, referred my account to foreclosure even though my account was not 120 days in arrears- Ditech following GreenTree ( apparently the same company ) knowingly continued to collect on a disputed amount. Ditech refuses to answer and provide basic information- What date did they record my XXXX XXXX, XXXX payment as received? Refuses to provide a corrected statement with the actual information and transactions on my account. I have provided documents, from the original XXXX to a screenshot of my current account status. I owe for XX/XX/XXXX, Ditech shows me 3 payments, one that is an error and disputed prior to GreenTree officially taking over my account, I was told I had 30 days to make notice of any inaccuracies, which I did so, however GreenTree has always attempted to collect on the amount. I have contacted XXXX XXXX XXXX, but to this day, have nothing other than the XXXX XXXX notice they sent me that they were continuing to work on correcting my accountXXXX XXXX transferred my account without further communication on the dispute. Ditech stated they sent the money back to me when? I asked them to provide the dates, sent the money back? Why? According to Ditech, because on XXXX XXXX, XXXX my account was referred to foreclosure- payment was received and processed on XXXX XXXX, XXXX, per laws my account was supposed to be credited on the day payment was received and if NOT the borrower was not to suffer any penalty. Today, Ditech is in possession of {$1100.00} with absolutely no credit or record on my account. I have documents stating the money was placed in suspense and absolutely no record, log, transitions stating where the money went? Did someone steal my money? Where is it at? What is going on, I read that a year or so ago, GreenTree is Ditech, look at this mess, I ca n't even get my account credited for an obvious mistake, even after repeatedly sending in proof of payment, proof or receipt, I DO NOT HAVE THE MONEY DITECH OR SOMEONE WITHIN YOUR COMPANY has the money. I do n't think your company learned one thing from the Cfpb or FCC, I think you 're doing exactly what you 've been doing. I ca n't believe you 're making me go around in circles. You 've sent countless letter telling me you 're working on the matter, why is it so difficult?

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