Consumer complaint received 2017-10-23
Company: Ditech Financial LLC
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed several reports about my mortgage with XXXX XXXXXXXX XXXX and Dietech that is now trying to collect. The further I investigate, the more I find. I spoke with someone at Dietech last week and they let me know more than what I was suppose to know. Dietech informed me that I had XXXX accounts with them. XXXX mortgage had been paid off, and the other XXXX they were still trying to collect on. What are they talking about? I asked for the amounts of each and then hung up because I was so shocked. I called back to get the exact amount of the " loan that was paid off '' and she could no longer find that account. I said I had just spoken with someone and they told me I had XXXX accounts there. She put me on hold for a while and then was able to find it. 
Still curious about this " loan that was paid off '', so I called the next day. The women I was speaking to said that I only had XXXX loan there. I informed her that Dietech told me that I had a loan that was paid off. She continually told me that I only had XXXX loan. I had to argue with her and told her I just spoke with XXXX people about it on XXXX separate days. She put me on hold and then came back and said she found the other account. " It 's under name and account, but your social security numbers are n't matching up ''. 

Hmmmmm? My social security number is not matching up with the loan that is paid off? Seems to me Dietech has created a false account. I asked her to send me the documents. When I look at the documents I am seeing fraud written all over it. 

I have enclosed the documents for viewing. I am noticing several problems with these false loan documents! 
1. The loan modification agreement has one page with the date of XXXX XXXX, XXXX and the other page has a date of XXXX XXXX, XXXX. 
2. The loan modification dated XXXX XXXX, XXXX has my signature on the line, and right below that is the exact same ( copied ) signature. The copied and pasted XXXX too many times, and they did n't copy and paste the date correctly because I would never put the date below the line!! 
XXXX. We have XXXX different notaries for this XXXX loan modification. This XXXX loan modification was signed on XXXX XXXX, XXXX and XXXX XXXX, XXXX. If you look closely you can see where XXXX XXXX the notary signed it XXXX XXXX, but then wrote over that so now it says XXXX. They are falsifying so many loans, they ca n't keep them straight! 
4. They also sent me a page with XXXX? notarizing something on XXXX XXXX, XXXX? Just his signature with no stamp or seal? My loan number is at the very bottom XXXX. The step rate loan modification agreement you will see XXXX 's signature again. You will also see how they have copied and pasted his signature there. Why would XXXX sign that document exactly the same right above his first signature?? Again, it is dated XXXX XXXX, XXXX. At the top of that page it is dated XXXX XXXX, XXXX. It seems to me they ca n't when to date the modification because we now have several different dates for this loan modification. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. Come on!!! They need to pay up for this fraud!!! 
6. You will see the copies of the other note that I paid off. I had asked for a copy of that. 
I love how they included the T in my signature, but that is not my signature. It is also a false document. There is no seal or notary on there. I have no clue why they would make this false document of another mortgage that I had?. I looked up this address and even went to the post office. There is no such address! What are they trying to hide???? Possibly some of my money?? 
Obviously I had been paying on my mortgage that they overcharged and collected on. Perhaps they created this account? They thought they were smart enough not to have my social security numbers matching or they just might get caught. I have no idea. What I do know is that XXXX XXXX XXXX and Dietech are all lying. The proof is in the paperwork. This needs to be investigated and they need to be penalized!

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