Consumer complaint received 2017-08-05
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently sold my home in XXXX XXXX, La XXXX my current mortgage company is /was Ditech financial ( aka : Greentree according to a representative at Ditech ) they just changed names because of the bad business. My mortgage has been sold several times over the years, but the only companies I ever had problems with were Greentree, Ditech and the new mortgage company that I was recently sold to in the process of me selling my home, XXXX XXXX XXXX. I closed on my home on XX/XX/XXXXthe title company XXXX XXXX did the closing. I signed all the necessary paperwork to get the final payoff and to seal the deal, I kept in contact with Ditech thru this process and was notified via mail that my mortgage was being transferred to another company and was going to be transferred on XX/XX/XXXX. On the night before closing (XX/XX/XXXX ) Ditech would not confirm the payoff amount to XXXX XXXX, and they state they received the payoff amount for up to XX/XX/XXXX in writing from Ditech, but they could not receive confirmation on it the day before. I called Ditech right after I received the call from the title company requesting the payoff confirmation and I received an amount less than the amount given to the title company. The payoff given to the title company was XXXX, my quote from Ditech was almost 300 less. The title company is now holding XXXX of my funds incase there is a discrepancy and almost a month later they will not release my funds because they do not have anything on paper saying this mortgage was paid in full. Ditech is saying that the account no longer belongs to them, it was paid off before the transfer to the new mortgage company was to take place, and XXXX XXXX are saying that I own them another XXXX as of today ( XX/XX/XXXX according to lawyer XXXX at the title company ) and they have not received the funds as of Friday XX/XX/XXXX. I have called both mortgage companies Ditech and XXXX XXXX XXXX and no one will confirm or deny that they have received the payoff amount to me but Ditech has confirmed to XXXX XXXX that they have received it, however neither company will put it on paper that this has been paid in full. When I spoke to XXXX XXXX XXXX last Friday they also stated I have 2 accounts with them, and to contact another financial group, XXXX XXXX XXXX, when I was transferred to the next person I was told there is one account and the other is marked sold?? The XXXX XXXX ( XXXX ) said that Ditech has received it and that it was not posted to my account untilXX/XX/XXXX. However Ditech received the funds but they keep referring XXXX XXXX to the new mortgage company XXXX XXXX XXXX. I was unable to access my online account with Ditech, it just stated this account has been closed. I also have recently received a monthly statement from Ditech saying I own a payment for XXXX, and past months of mortgage to the tune of over 8,000 dollars and one from XXXX XXXX XXXX as to where to send the funds for my monthly statements. The Lawyer ( XXXX ) at XXXX XXXX stated that the companies ( not sure which company ) said I was behind 8 months on my payments, this is so not correct. Yes I have been behind but not like that. Ditech has held over 1,000 of my payments in unapplied funds. I have requested a payment history statement from Ditech several times and I never received it. They also put a do not call on my account, I never requested that. My credit is continually being reported as negative. As of now my credit report states I still owe this mortgage and is being reported as negative .Next month I will not be surprised to see that I owe 2 mortgages. The lawyer ( XXXX ) at XXXX XXXX  actually suggested that I seek counsel on this matter,. I paid towards this closing and I really want this resolved. Should XXXX XXXX help handle this in more of a timely manner and not leave it on me to seek counsel as they have suggested I do? I should have filed complaint a long time ago against Ditech, I have paid my pass due with this company two times and it has never reflected on my statements. My statement for XX/XX/XXXX shows principal balance of XXXX with an unapplied fund balance XXXX. My statement for XX/XX/XXXXshows principal balance of XXXX and unapplied funds of XXXX and that I still own them over 8,000 in pass due amounts? That looks like they received my payoff plus some, but they will not apply it and neither one of these statements show that payment was received ... I do not know what else to do, I need this resolved and no one seems to have an answer, seeking counsel is an option, but I do not have those kinds of funds to pursue 2 major mortgage companies. I have all of my paperwork from the day I bought the house in XX/XX/XXXX, and never had problems with mortgage until Greentree/ Ditech and this new company XXXX XXXX XXXX . Not only do I need to be clear of this but the new owner to the home needs this title cleared. I do not understand how a paid off mortgage can be sold to another company, is this fraud? And how can a title company close on a property if all of the paper work is no in line? XXXX XXXX XXXX is now saying that Ditech gave them the wrong payoff amount and that I owe them another XXXX dollars and XXXX XXXX is ready to give it to them, how is that possible? I should not have to pay a second mortgage company that should not even be involved. And if my mortgage had been transferred prior then Ditech should have referred the title company to the new mortgage company? I have kept Ditech aware of every step of my selling process since the day I decided to sell in XX/XX/XXXX, now they are saying my account was turned over to an attorney for foreclosure, I was never notified of this, as a matter of fact I was told that since I was selling that this would not happen if I continued to make payments, which I did. They still gave a pay off amount and now no one will confirm and put it on paper that this property has been PAID IN FULL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief