Consumer complaint received 2016-06-10
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, due to medical reasons we missed 3 mortgage payments to XXXX. They offered us a loan modification and we began the long process in XXXX XXXX. After 20 months and excuses galore on their part our loan sold to XXXX and we assumed they would complete the modification. Later we were told by XXXX the loan was approved the very day it sold. XXXX accepted 2 months payment retuned the 3rd month stating " insufficient funds to bring account current ''. XXXX claims the loan modification was not approved and the loan is now delinquent and requires {$17000.00} to bring loan current. We ca n't even begin to tell you the number of exasperating and XXXX producing phone calls that have fallen on deaf ears. Instead of contacting XXXX to figure out what happened XXXX sent our home into foreclosure. To add insult to injury the loan gets sold again in XXXX XXXX to Ditech. For 3 weeks no one was able to tell us anything at Ditech because the info had n't been entered in their system, in the mean time our home is inching closure to foreclosure. When the info is finally available to our " representative " she never returns our daily messages left to call us and tell us what is going on. No matter what number you would call it always got routed to our " representative ''. Finally after a month and a half she answered the phone only to tell us " she ca n't call us as long as our loan was in dispute ''. So tell us how are we to resolve this if no one calls you back? We have never seen such incompetence. We have been to court twice and per the judge we should n't have to return as long as we are trying to resolve the issue. We waived the right to the free legal service because as ironic as it sounds we received the most help from the law firm suing us then anyone else and they would stop working with us if we hired another attorney. Unfortunately they work for Ditech not us and they can not force them to speed up their process.Our main issue now is Ditech is dragging their feet on this. We have been notified 6 times that they need more time " to investigate ''. Investigate what? We have provided them with a letter from XXXX stating that the modification was approved as of XXXX XXXX ( literally the day it was sold ) and bank statements showing every single payment made. We appeared as summoned to court. When we call if you 're even lucky enough to get a human to speak to we hear the same canned response, " we need more time to investigate ''. We found an article from your web site dated XXXX XXXX " CFPB Takes Action Against Mortgage Company for blocking Consumers ' Attempts to Save Their Homes '' That company was XXXX and the CFPB took action against them for " failing to honor loan modifications already in place ". Well we 're here to tell you they are still practicing unlawful conduct with their customers loans. We 'd like to jump on that bandwagon of {$1.00} mil compensation XXXX needs to pay their victims we certainly are owed it after what they have put us through even though they no longer own the loan XXXX we are now at the mercy of Ditech. This has gone on long enough! We would like to get back to our lives and ca n't until this is resolved. We can never explain the stress, the sleepless nights, the migraines XXXX the anxiety ridden months that have befallen our family over this. The people you talk with from these company 's say " Oh we understand how you feel, Really? You know what it 's like to possibly have your home of 28 years ripped out from under you due to an incompetent paper pushers clerical error? We have spoken to anyone we can think of to help resolve this nightmare we find ourselves in. If need be we may have to contact a lawyer although we do n't really have the money for one. Hopefully you are able to put some pressure on Ditech to " escalate '' their investigation and resolve this XXXX they continue to put us through. Thank you

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