Consumer complaint received 2020-05-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to send documentation regarding Errors that occurred in my mortgage payment history from Green Tree/Ditech Mortgage account that has yet to be resolved. The first was from XXXX XXXX for payment {$390.00} to my escrow acct. that was not applied. I have all supporting documentation for wrongdoing & I believe, profiteering by Green Tree mortgage from their neglect to resolve their errors made on my account & in doing so, allowed them to add and collect late fees to my account monthly.This has snowballed into thousands of dollars paid to them for their disregard of my initial & constant complaints of their errors. Specifically the second time was in the amount of {$1200.00} paid on my mortgage for XX/XX/XXXX that was not & has not been credited on my account in the years that followed. I have been a victim of Green Tree 's harassment from their constant threatening phone calls to what they thought was a past due payment. Especially in times such as these when the world seems at a standstill with isolation, hardships ; financially & emotionally, if there is goodness in this world I am asking, pleading to you to please do the right thing to help finally resolve this matter to get my account up to date & credited properly. I have been through 4 different mortgage companies throughout the years since XXXX due to the resale/transfers of my mortgage loan. With each new lender I have tried countless of times to resolve these Errors from Green Tree Mortgage since XX/XX/XXXX when the first error occurred when they took over my account. With each new lender I have to go through the repeated steps ; only to never get my account up to date & the issues resolved because my account is sold again. Ive sent emails, made countless phone calls & spoke to numerous operators of Green Tree with no resolve & have in the past, received an attempt of default notice which has been a nightmare.The aftermath from this wrongdoing has snow balled into additional thousands of dollars in fees that have continued to add up over 7 years totaling over {$2500.00}. Ive received harassing phone calls & notices of default, ignored requests from Green Tree & threats of losing my home so much over time that anxiety has caused medicated health issues from the actions of their shenanigans. Because of the unfortunate COVID19 pandemic & the required self-isolation, I have had more time to gather all of my bank & mortgage statements over last 7 years for proof of their wrongdoing. I do have all the supporting documents to supply for my case in a Plea to get my account credited where it is due as I have been a Victim of wrongdoing. Payments were made, deducted from my checking account but never applied to my loan causing excess in late fees & an appearance of default. My over payments were used for late fees instead of going towards additional mortgage.The errors that have occurred from Green Tree & the issues of not being corrected puts my account to what appears to be behind in payments. In addition to those past errors, alongside my regular payments, Ive made over payments ; additional monies that were intended to help decrease my future mortgage & reduce interest charges.Those prior funds were put in an Unapplied Fund Account for the intention of making extra loan payments, but because of the error & the alleged past due payments, portions of the extra payments were used towards late fees that had accumulated over time, also instead of paying an additional loan payment it was repeatedly applied for an alleged past due payment. Please note that there is 7 years of documentation of proof for your review including Bank & Mortgage Statements. Thank you in advance.

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