Consumer complaint received 2017-05-14
Company: Ditech Financial LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ditech Servicing LLC AKA as G reen tree Servicing mishandled partial payments sent to them every 14 days intended for mortgage payment. Per Ditech policy when partial payments are received they hold it in an account called unapplied funds until full payment is received and then apply to payments.  Ditech is in  breach of this practice as evident as multiple attempts made to their company during the time frame of 7 months when funding was noted in unapplied funds and not being applied to payment. This caused multiple late fees to be applied to the account with no notification to me.   From  XXXX  to  XXXX  multiple attempts were made to  Ditech making them aware that  errors were noted on my account and was not addressed until  XXXX / XXXX / XXXX . Specific dates of attempted notification were ;  XXXX / XXXX / XXXX ,  XXXX .  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  on  XXXX / XXXX / XXXX   Ditech alleges they went back to the start of the account and re allocated funding correctly. It was noted by my CPA that an error still occurred.Per email from  Director   XXXX   XXXX  and conversation with  XXXX  on a recorded line because if over payments routinely received it would be applied to principle balance resulting in the principle balance to decrease. However, after the reallocation, the principle balance increased as evident in webpage vary principle balance on  XXXX / XXXX / XXXX  of  XXXX  and then on  XXXX / XXXX / XXXX  increased to {$140000.00} Multiple emails and faxes have been sen t to Ditech since   the reallocation to question this on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , on  XXXX / XXXX / XXXX  I received an email from AVP  XXXX   XXXX  stating that none of my questions will be addressed because from  Ditech  standpoint they have addressed everything appropriately on  XXXX / XXXX / XXXX  I received notification from my mortgage insurance company informing me that mortgagee assigned was changed to Ditech Financial LLC, Its affiliates and or assigns. I contact ed Ditech to inquire to disclose named affiliates or assigns to pro vide full disclosure and attached email from AVP  XXXX   XXXX  is the response on  XXXX / XXXX / XXXX  I received multiple mailing fro m Ditech date d for  XXXX / XXXX / XXXX  stating they are acknowledging receipt of complaint received on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  stating they are acknowledging receipt of complaint received on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  stating they are acknowledging receipt of complaint received on  XXXX / XXXX / XXXX , and an escrow shortage summary dated for  XXXX   XXXX ,  XXXX  in the amount for {$14.00} On  XXXX  there intranet demonstrates that my fixed loan now reflect a payment of  XXXX  rather than fixed payment amount of {$880.00} Since the practice of CFPB is to close cases without giving the victim a chance to respond the response of the company  XXXX   XXXX  - who  advocated  for your very existence has been involved in this matter along

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