Consumer complaint received 2020-06-22
Company: Ditech Financial LLC
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to sell my house in XXXX after my retirement and found that ( 1. )  XXXX XXXX county had overwritten the title on my house by replacing my name with that of the old mortgager who was sued out of business in XXXX ; ( 2. ) the county had added cost for water service that was not received since XXXX after they turned it off in retaliation for the actions I took against them for XXXX discrimination and the kidnap  of my grandsons. For 2 years I requested that they turn it back on. No money was owed, but they refused. Finally when I talked to the head of XXXX City council, he told me that in my rage, I let go of some sensitive information about the church on the internet and they did not appreciate that. For about 15 years XXXX county made many attempts to force me and my family out of our home. After they had the gas turned off ( XXXX ) they turned off the water ( XXXX ). Following that, they tried to intimidate me by trying to condemn my house. They harassed me for 2 years after that by putting condemned notices on my door. They continued to charge me for water service which did not come to my house and served to make up the feign taxes on top of my regular taxes of $ XXXX/year. In XXXX I went to the county building to pay the XXXX & XXXX taxes, I asked about the huge fees and other charges and they pretended to not know or how to access any information on them. They would not take my money unless I paid the unknown charges as well. Forcing the issue in XXXX ( because I wanted to sell my house and downgrade and because I only have my pension, I need tax relief ), I was able to get the information I needed. The fees and other charges are water and an unknown debt. ( 3. ) That debt was a loan linked to a company called Ditech who claims that they bought the loan from XXXX in XXXX. Note : In XXXX the court stripped XXXX of any ability to do mortgage loans. They could still collect monies back, but w/out interest or fees, principal only ( which is what I was paying : $ XXXX/month and {$120.00} of each payment was to be escrowed for end of the year taxes ). XXXX XXXX  ( XXXX ) sold themselves and XXXX to XXXX in XXXX, but their only viable business were credit cards. In XXXX XXXX phased out XXXX/XXXX, so after XXXX neither XXXX nor XXXX existed on any level. In the process, XXXX forgave the difference on my loan ( between {$47000.00} and {$57000.00} ) in XXXX. 
The newly concocted loan for $ XXXX from Ditech I found out about when I went to do tax relief ( XXXX ) at the county building. Neither I nor my daughter initiated this loan and it can only be a forgery. XXXX XXXX county had added this to the taxes along with the feign water bill and by overwriting the title, prevented me from selling my house in XXXX. Ditech claimed they acquired the loan in XXXX from XXXX, but XXXX had already been out of business for about 12 years at that time. Next they claimed that the loan was initiated in XXXX. XXXX was ordered to do no more mortgage loans in XXXX and again, this date is after XXXX  demise. 
With a little help from a lawyer friend, they reinstated my name to the title of my house, but they set the house up for a forced tax sell this XX/XX/XXXX, cutting off any way of me selling my home to my benefit. For about 15 years I fought for the right to live in this neighborhood ( most of my friends lived here as well ). XXXX  has tainted all of the countys actions against me and my children and now that I am retired from them, I expected to be able to retire out of their reach and further abuses from them. I have been trying to find help since XXXX. It has taken some time to just gather information on the loan fraud and to get the county to tell me about the false debt being claimed by XXXX XXXX XXXX  ( aka XXXX XXXX county ) for water service they deprived me of for about 10 years. 
If this is not something your agency enforces, please direct me to an agency that can. It would be greatly appreciated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation