Consumer complaint received 2016-01-28
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am four months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) behind on my rental property with Green Tree Servicing now named Ditech Financial LLC. I was contacted by the insurance company regarding repairs to the house, and was informed by the agent that the above company has started foreclosure proceedings against me. I informed him, that I was n't served any paperwork at my home address or notified any other way about a pending foreclosure. I called Green Tree/Ditech on XXXX/XXXX/XXXX to inquire about this foreclosure proceeding and they claimed they did not know why the agent gave me that information and according to their system, they have no pending sale date in the system. Now, during this same conversation with them on Wednesday, XXXX XXXX, XXXX, I was informed that the locks had been changed at the property by their company XXXX XXXX and the property was winterized. I was never notified that this was taking place in writing or a phone call, and never heard of a company locking you out of your property that you are still required to make mortgage payments on. I spent some time with XXXX reps on the phone that told me the house appeared vacant and debris in and outside of house. I have a tenant that was still moving his personal belongings out of the property, he 's taking a long time to do this ; I asked him to go check on the house yesterday Wednesday, XXXX/XXXX/XXXX, and he informed me that the locks had been changed. How is this even legal for them to do? We just had a major snow storm in which I planned to go to the property to clean up snow, so that I do n't get a fine, and I 'm glad that I did n't because I would not have been able to enter the property, and was n't made aware that locks were being changed and a lockbox put on the door. So if someone fell in front of the house, I guess that I would be the one to be sued for not cleaning in front of the house. This is the same thing that a slumlord would do to a tenant before the tenant can legally be locked out of the property. They claim they would give me the code, but I and previous tenant feel violated, because Green Tree/Ditech had someone enter the property without my knowledge and change the locks. Suppose something is missing of the tenant 's because of this ... are they prepared for a lawsuit for what they 've done ; who is to blame for missing items. I did n't have to notify Green Tree/Ditech that a past tenant was still in the process of moving their belongings from the property. I also asked them for the report in which I was told I would have to request in writing on what the company Safeguard did to the property as well as request the pictures taken of contents, etc. I was also told by Green Tree/Ditech that I will be charged for this. Why do I have to pay for something that I was n't aware would take place..they have my contact information, in which they could have called me or sent notice in writing. I spoke to them XX/XX/XXXX, or XX/XX/XXXX, and told them of my intent to keep the property, what right did they have to go to the property on XXXX/XXXX/XXXX and change the locks, and still during those past conversations I was never informed that any of this took place or that is company policy. What if I had planned to show the property to another prospective tenant? None of this makes any sense. I want Green Tree/Ditech to remove the pinpad locks or locks and replace with new locks, or I would like them to reimburse me for having to put on new locks on the property.

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