Consumer complaint received 2016-04-01
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX Consumer Financial Protection Bureau Re : XXXX XXXX XXXX, XXXX, XXXX XXXX # VA XXXX Dear Consumer Financial Protection Bureau : This is a letter of formal complaint regarding Ditech Financial, LLC, XXXX. XXXX XXXX, XXXX XXXX, SC XXXX handling of my loan and intended modification application submitted since XXXX XXXX, XXXX. 
As an honorable veteran who has served his country faithfully, I initially utilized my entitlement to obtain a home loan in XXXX. Since purchasing the above property in XXXX, the home loan has been " sold '' approximately four ( 4 ) times. In XXXX, XXXX XXXX 's acquired the Ditech brand due to FCC and your charges against Greentree Mortgage Company. Apparently, this acquisition has not eradicate years of Greentree Mortgage legal and unethical practices towards their consumers, because Ditech is the same, if not worse to their consumers. They are unethical, harassing me about my debt, calling all times of day and night, from different numbers, when I have told them not to contact me, being misleading and threatening towards me. 
Since Ditech Financial, LLC has handled the loan, my experience with the company has been totally reprehensible and a violation of my rights. The company has failed to appropriately handle my loan modification request submitted on XXXX/XXXX/XXXX, after I filed numerous complaints both, verbal, written and in contacting their corporate office. Instead of resolving the matter, my complaints aggravated the entire matter without any personal recourse or advocacy. In submitting the loan modification application, they would always provide " XXXX to XXXX '' DIFFERENT FAX NUMBERS TO EITHER SUBMIT OR RE-SUBMIT INFORMATION which has been very misleading. After submitting the information, they would always say " they did not receive the information. '' My PERSONAL INFORMATION WENT TO SOMEONE ... SOMEWHERE!!! With months of delaying the loan modification, my credit rating has been affected, additional costs have occurred on the loan and this ordeal has taken a mental and physical toll on me and my family. 
I am locked into Ditech being my loan servicer. At this point, I do not feel or believe that I am or will be treated fairly regarding my loan modification or any other matter. I am in financial distress, and I am not seeking to negate my financial responsibilities. However, I am attempting to work towards resolving my delinquent status and to modify the mortgage payments. 
Lastly, I and my wife are very disturb to the fact that Ditech had a third party to deliver a " door knocker '' to our address on XXXX/XXXX/XXXX with a number of XXXX. When my wife called the number it was a XXXX XXXX!! When my wife brought it to XXXX ' attention and thought it was intentional. They responded as if it was not a problem or concern. The next month on XXXX/XXXX/XXXX, the " door knocker '' had a different number, XXXX. 
Sincerely, XXXX XXXX. XXXX

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