Consumer complaint received 2016-04-21
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In 2004 following a divorce I was in a position where I had to file bankruptcy. I did file and I did a reaffirmation on my vehicle and also I thought on the home mortgage. After the bankruptcy was discharged I learned that for some reason the mortgage company did not accept the reaffirmation. Part of the issue at the time is that the mortgage companies were switching. At the time of the bankruptcy discharge the mortgage company was Green Tree Mortgage. I continued to faithfully pay my monthly payment and in the past 12 years have not only made my payment but also did an additional payment to principal. I have been assured by the mortgage company as long as I continue to make my payments when the loan is paid in full the house would belong to me. 
Unfortunately, during this time the mortgage company continues to carry on my credit report that I am in bankruptcy and it does impact my credit. I am getting ready to purchase the land the home is situated on and want to make sure my credit is in good standing. I reached out to the new mortgage company Dietech and researched once again the possibility of doing a reaffirmation of the loan. I explained to the representative I was talking with the situation and the fact that I have a copy of the original document for reaffirmation that was not followed through with. I also researched that it was not necessary to open the bankruptcy up again to do a reaffirmation. Dietech at the time agreed that if I provide them with the information we could get this done and I could get removed from my credit report the bankruptcy information. I submitted all the information, they received it and I received a letter they were working on it and give them 4 weeks. It has now been longer that 4 weeks and I called and spoke to a representative and was told that they would not do it unless I filed through the courts and opened the bankruptcy -which would do further damage to my credit. I am extremely frustrated and disappointed in the way I was treated - I feel it was unfair of them to lead me on to think I finally could resolve this long standing issue only to be told they would not go through with the reaffirmation. I feel that I am being continually pointed out for the bankruptcy that occurred approximately 12 years ago. 
I feel I have no recourse at this juncture and to file a complaint may help in someway. I am not in the position to hire an attorney to continue with this - and again, when I researched through the bankruptcy court site - I did not have to open up the case again to do a reaffirmation. Their customer service in my estimation did nothing to assist in understanding their position - they just read the remarks that were made on the account. Just knowing that I have been a faithful customer all these years to the point if I continue paying the way I am - I can have the house paid off in 5 years approximately 7 years earlier than the 30 year term. Why they will not work with me on this issue is beyond my understanding. I am not sure why they are making it difficult for me to do a reaffirmation - it truly benefits them on their end ultimately. The only thing I fear now is after all these years of making my payment when I paid the loan in full - they will try and take the house or tell me I do not have any rights because of the failure for a reaffirmation. I would greatly appreciate any assistance I can get on this issue. 
Kind Regards XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation