Consumer complaint received 2015-10-17
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have always paid my mortgages and bills all my adult life. In recent years XXXX XXXX XXXX took over my mortgage and things have been going downhill ever since! I was doing a refinance with them and everything was good until they reported they was n't doing PMI at the time and suggested I do a modification. I agreed and bottom line, the rep that told me what to do and what to pay at that time on the phone was wrong. I have been paying the price ever since for her mistake that they acknowledged. They threatened me with foreclosure after I refused to pay for their mistake which amounted to 3 months behind on mortgage payments. They then sold my mortgage to Green Tree. I decided to not fight with Green Tree and catch things up and did. That did n't matter because in all the turmoil and not ever getting to date a " Normal regular mortgage statement '', my escrow went up and even though I was making monthly payments, they never went towards full mortgage payments! When it rains it pours! I lost my job and income went from {$85000.00} a year to {$28000.00} a year as of last year! A complaint of that discharge is still pending. In the meantime with Ditech which was formerly Green Tree, I am trying to get another mod to save my home! In two months I will start getting my Social security and also my pension from my former job amounting to around {$80000.00} a year income for life along with what I am now making working. The way things look and are going now, It might be too late! I ca n't afford being where I am now until that time because of the things that first happened with the mortgages and then my employment! I may lose my home and everything else along with my family, then two months later be financially ok again! The whole time I dealt with Green Tree I begged to meet with someone to go over everything and sen them certified letters requesting such. Instead talked to dozens of different reps that no XXXX ever told me the same things! I also paid whatever they told me to pay at those times on the phone with them and have records of such. At this point I am totally out of answers and do n't know what else I can do. I did contact a fannie mae counsler and working with them also. All bills and finances are behind now and I ca n't save or even pay anything in full. In a matter of one year, my excellent credit rating I had all my adult life is going down the drain! Just at a time when I am supposed to be retiring and sitting back and relaxing after working all my life since age XXXX straight until now! I had asked XXXX XXXX XXXX could they put those months behind that was their fault at the end of the loan and they said yes. They never did! The rest is history! Ditech which is formerly Green Tree tells me that they are different now and things will be handled differently from the way Green Tree handled things. If that is the case, then they should see how things really got messed up to this point with people like me dealing with Green Tree and XXXX XXXX XXXX! I never ever had a problem with a mortgage in my whole life until those XXXX took over my mortgage! Check my history up until those points! Again, I did write and do have certified letters to Green Tree requesting a meeting to go over what was happening with my mortgage starting a year ago, to no avail. Had I had a meeting back then, I would have even found out my escrow had gone up and that the full mortgage payments I thought I was making for a whole year was n't applied! I had no clue! Finally this past XXXX 2014, a rep there informed me of that when he did some research to find out why my mortgage was past due! Told me it was temp and things would change then told me what to pay that day on the phone to him. That payment he told me to pay was less than my normal mortgage! Why did he tell me to pay that amount? All there is supposed to be recorded and on record! There are many such records!

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