Consumer complaint received 2015-04-28
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX I received a letter from Green Tree stating the amount that XXXX XXXX XXXX ( XXXX ) stated I owed. Sometime around XXXX of 2014 I continued going back and forth with XXXX regarding XXXX of my XXXX loan payments that had never appeared to be credited to my account. XXXX continue to acknowledge and send me multitutude of apologies and promises to take care of the situation. In the mist of being behind XXXX sent me XXXX applications to apply for another modification. After being hounded, I applied and received only a letter stating they rec 'd my information and would contact me. All of this was still " under investigation '' and " being worked on '' by XXXX when they sent my loan over to Green Tree. XXXX continuously sent me letters with the same content over and over promising they were tending to my issue. I have included XXXX but have plenty more of the same. I sent the last XXXX which was in XXXX, about XXXX weeks before they told me they were selling my loan. I supplied these letters and a few others to Green Tree. 

Then Green Tree, even after being told that this was going on, sent the letters XXXX sent me, and I also exercised the FDCPA requesting correction to the amount owed sent in the original notice, they completely ignored the information and sent me Default Notices. They even sent me a notice stating that I was behind my XXXX payment in XXXX? I received a notice to apply for modification, even though XXXX has my application and documents, nothing has been done about the misapplied payment, and in XXXX I made a payment to XXXX prior to my account going to Green Tree that I 've been told is " awaiting processing '' but continuously receiving letters stating they do n't have it and send documentation that they are holding the payment ( which I did -record straight from XXXX ). I continue to send my payments and request communication via email or written documentation ( XXXX ). They tell me they are a debt collector, but completely ignore my side of being able to exercise my FDCPA rights? today I received a letter dated XXXX XXXX, 2015 basically telling me they are preparing to take my home and that they have n't received a response from me ( they have gotten many and I have tracking and fax confirmations ). 
I show that I owe for XXXX, XXXX 's payment was sent in. They are telling me I owe for XXXX, XXXX, and XX/XX/XXXX- ( they have n't received the XXXX payment since it was just mailed, so I assume it would be XXXX ( which they have ) and XXXX which is a payment that carries on in dispute-not XXXX, but the payment XXXX was supposed to credit my account with. 

This has been absolutely horrible. Not to mention their calls and XXXX which an extremely rude person told me that it did n't matter XXXX I tried to explain talking loudly only confuses me. They were still yelling when I hung up the phone. 

I just do n't think it 's fair how XXXX can just ignore their promises and what should have been communicated and Green Tree ignore dealing with it and telling me I 'm not responding. 

Thank you for any assistance, I am incredibly stressed over this and feel bad that they think XXXX I 'm dumb.

Company response to consumer: Closed with explanation