Consumer complaint received 2016-03-30
Company: Ditech Financial LLC
State: MH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Greentree servicing took money from me under false pretenses. They devised a scheme to make it appear as though I was paying on my mortgage. Let me explain what they did ... XXXX my chapter XXXX bankruptcy was discharged, in that bankruptcy my home was included, and Greentree owned that mortgage. Under this scheme, Greentree was able to collect XXXX of dollars from me. On XXXX/XXXX/XXXX there was a sheriffs sale regarding that mortgage, and Greentree became the owner of that house. On XXXX/XXXX/XXXX, I informed Greentree that I was getting a forclosure attorney to save my home, as I was still in the redemption period. On that date, Greentree decided to work with me. I explained to them that my income had changed, and that I would be receiving a lump sum of {$10000.00} from VA..and I was also going to receive a monthly income that would assure them that I would be able to make the monthly payments. So, at that time Greentree decided to do a loan modification for me. VA had been a little slower than planned in getting my money to me. So Greentree was skeptical and proceeded with the eviction, as it was at the end of my redemption period. I went to court and fought that eviction, and was granted a stay, because Greentree 's attorney also confirmed that they were working with me on a loan modification and the Judge granted us 30 days to come up with the money. On XXXX/XXXX/XXXX, Greentree accepted {$10000.00}. and applied it to the account # that had been discharged in my bankruptcy, also, on XXXX/XXXX/XXXX I received a rate modification letter, that spelled out my payments and my interest. 
At the end of XXXX, I received a form XXXX from Greentree, showing the interest I had paid in XXXX, which was {$11000.00}, that was mortgage interest paid to Greentree. Everything seemed fine, until XXXX/XXXX/XXXX, I received a new rate modification letter. That is when Greentrees story began to change. At that time my payment went up, I had to fight with them to honor our agreement and keep the payments the same. They had told me the only reason my XXXX rate modification was for 12 months and not for the length of the loan was because they could only put 12 months at a time in their system. I have the XXXX/XXXX/XXXX rate modification letter to verify that change. I also have the XXXX form XXXX to verify the interest I paid on that loan modification. It was early XXXX that I found out that Greentree never put the home in my name. On XXXX/XXXX/XXXX, I received a letter from Greentree stating that they were currently in the process of deeding the home back into my name. At that time, I was confident everything would be taken care of. 
Next, I received a letter and was told I was n't paying on a mortgage, but actually paying rent. I threatened to sue them for fraud, if they did n't resolve this. So I retained an attorney, who advised me that taking on a fraud case could be quite expensive, and asked if I really wanted to keep the home, qualifying for a new mortgage would be easier.. That is what we decided upon, and Greentree agreed . The agreement was that if we did n't close the house within 6 months, we would give up possession of the house. At that time, we thought that was a fair deal, because Greentree accepted to sell the house to us at market value. When it came down to final approval, all Greentree had to do was verify the money I had paid them for the previous couple years ... .and state on a legal document that I was either a homeowner or a renter, and they would not sign that form, so my time ran out and they evicted us and took our home XXXX XXXX. 
We have documentation of everything stated. That was one of the most devastating and emotional events that we have experienced ... .having to leave our home, our friends our church and try to explain why. All because Greentree ran this scam ... ..all they had to do back in XXXX was say no, and they could 've taken the house then.

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