Consumer complaint received 2015-10-29
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi. My husband & I are first time homeowners. We have XXXX small children together, all of which reside with us in our home. I believe we, like many other good/ hard working Americans, have had our lives turned upside down by Green Tree. Their past & ongoing actions/lack of action have caused severe stress along with mental/physical anguish on my entire family, have created numerous financial hardships, & have damaged our credit beyond recognition. I am begging you to hold them accountable for such actions ... In XX/XX/2013 XXXX XXXX XXXX mistakenly paid property taxes in excess of {$6000.00}, then transferred the servicing of our loan to Green Tree Servicing- all without any notice to us. This mistake caused my escrow payment to increase an ADDITIONAL $ XXXX/month. I tried several times to get answers from XXXX, but was repeatedly told that I would have to wait until XX/XX/XXXX when the transfer was complete to get any information. Both companies expressed not having my complete records each time I called. XXXX XX/XX/XXXX the transfer was SUPPOSED to have been completed ( any inquiries were to be directed to GTS ), but GTS CONTINUED to tell me that they still did n't have my completed records & could n't answer any of my concerns. Their process of attempting to " RETRIEVE & review my files continued through XX/XX/XXXX ( see attachment ). I filed a letter disputing the amount GTS showed me owing due to the overpayment of the taxes ( see attachment ). Included in the dispute was a letter from the county treasurer 's office stating " XXXX paid the amount in error '' ( see attachment ) .Over the course of the next several weeks, GTS representatives repeatedly used terminology that led me to believe this error was going to be corrected ( ie : " mistake '', " get it fixed '', " escrow dept. will be the ones to fix it '', " do n't know why they did that '', " can take up to 45 days to be adjusted '', etc ), but no action was ever taken to correct the account, but LOTS OF ADDITIONAL CHARGES WERE ADDED DURING THE TIME THEY WERE DRAGGING ME ALONG. In XXXX 2013 I was told that if we did a loan modification it would take care of all of the problems, so we filled out all the paperwork and submitted it. They confirmed receiving it ( see attachment ), I called to check on it regularly-it was NEVER PROCESSED! In XXXX 2013 our mortgage was transferred to GTS, & when I was told that the mod was STILL in review- I hired a lawyer. Since that time, he also has worked reverently trying to resolve this, & was told by a GTS rep that we were NOT delinquent, but as of today still no solution has been reached. I have continued to make my monthly payment EVERY MONTH, & have yet to have ever heard the outcome of the loan mod paperwork that I submitted XX/XX/2013. Now that they have ruined our credit, tacked on thousands of dollars worth of ridiculous charges, ignored our modification paperwork, and began foreclosure -NOW, 2 YEARS Later, they are again wanting us to fill out ANOTHER loan modification packet. I believe that Green Tree continues to violate the ruling against them in the case FTC & CFPB v. Green Tree in regards to their continued actions towards me. They failed to ever respond to my in process loan modification from XX/XX/2013, they are continuing collection on a debt that I disputed owing on XXXX/XXXX/2013 without investigating the validity of the debt, they are not trying to work with me to resolve this situation at all, instead they are proceeding with their pending foreclosure of my XXXX lien residential loan that was transferred to them on XXXX XXXX, 2013, & they are not handling any of my legitimate concerns in a timely manner- which continues to cause me and my family ongoing hardship and undue stress. Please help me resolve this matter so that my precious family can continue to reside in our home, and so that I can go back to being the loving mom my kids NEED- instead of the depressed/ stressed person I have become

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