Consumer complaint received 2016-07-12
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : Case Number XXXX I had filed a compliant after NUMBEROUS calls to DiTech Mortgage Corp., and their constant refusal to respond to any questions I had. They in fact have yet to respond to all the issue in the above referenced case number with the CFPB. Therefore I am having to file a new complaint with the remaining issues. In my original complaint : issue number 3 was as follows : 3. On my XX/XX/XXXX, statement there was a fee titled : Other XXXX. When I called to check on it I spoke with about 5 people that all told me a different story. Story 1. It was for the insurance. All of XX/XX/XXXX, they took out of my payment enough to pay for insurance in the amount of {$1200.00}. On my insurance renewal I found a new insurance company and my premium was {$940.00}. Obviously, I had overpaid on my insurance by over XXXX dollars. Story 2. It was for my taxes. Taxes do not go up that much in our town. They did not have the proof for that story. Story 3. I was behind on some sort of payment but they could not tell me what it was because their system did not show it. Story 4. The company in charge of distributing the Escrow payments had that information. They could NOT transfer me to them. I had to send a fax to Ditech and advise them of my dispute. NO REPLY to date. Story 5. System error and I would see the credit on my next bill. I have that now and NO CREDIT. I have yet to receive a response to this question. And again each time that I have called to ask, my account manager simply hangs up on me, repeatedly. ISSUE 2 : Recently I found out that you paid my old insurance, XXXX, over a thousands dollars, my new insurance XXXX XXXX dollars TWICE. How does a company come to disburse XXXX home owners insurance check for the SAME property for the SAME year. Are you not aware that insuring the same property more than ounce a FRAUD! DiTech has committed several FUDICIARY DUTY VIOLATIONS and INSURACE FRAUD, the way I see it. I see it this way due to there COMPLETE REFUSAL to COMPLETELY, PROPERLY and CLEARLY provide answers to their actions. ISSUE 3. XX/XX/XXXX, I get home and I have a bright yellow envelope hanging on my door, which I have attached for your review. I open the envelope and it ask for me to call DiTech. I immediately called and XXXX from Missouri answered and I told her I had an envelope on my door. She proceeded to look at my account and asked ME why I had that envelope. As you can see the envelope simply asks me to call. I ask her why I had the envelope and she just hangs up on me. As is company policy for DiTech. ISSUE 4 : I received this envelope form my insurance company. I have attached it for your review. It states that they have billed the mortgage company numerous times and have NOT received a response or payment. PLEASE RESPOND EACH ISSUE, not just one. They are numbered for your convenience.

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