Consumer complaint received 2016-02-05
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan is a XXXX XXXX Loan. I went through a divorce have been with XXXX XXXX for 4 years, never any trouble never missed a payment. XX/XX/XXXX I was notified by XXXX that my loan was now with Green Tree. I never agreed, never signed any papers, never got any papers to confirm this huge change. It has been a night mare and someone need to audit them or stop them. They have miss allocated monies I sent to go to my escrow, needing my house note to go down. I sent in monies from my Insurance company from over payment never applied to my loan in my escrow account. I have received numerous statements a month with all different amounts to be paid. I had {$540.00} floating around for over 5 months till they took it, back dated it put some to my principal and some to interest but non to my escrow where it was to go. then I had {$81.00} in an misapplied status for months. n at this time they did not send me my escrow analysis till a couple of weeks ago after an audit by them with sending me XXXX totally different findings only that my house note had gone up again. And investigation done by XXXX XXXX that they just never got anything back, when I got assigned a person could never get them to return my calls. Rule that they had in place they are to call me once week until problem solved. I guess I fell thru the cracks. Got one call. I call the help line a lady helped me to fill out a package for a loan modification. She sent it in, then they sent me another so I filled it out, I got another and a lawyer at this point they had people circling my home leaving pamphlets about them taking my house. Had they put the monies to start with in escrow all would of been good. Had they admitted to their mistake and re figured what was owed. One would think they would of known to put the money to my escrow, that is all I had been calling about. I have applied 5 times for a modification. With XXXX rejections for XXXX totally different reasons, then got another package for loan modification. These people are ripping people, rude they are the rudest people whom I have ever had to work with. /They have ruined my credit and will not budge on correcting it. You need to go on line and the read the Green Tree turned Ditech, like we the consumer would not know what they are doing. The just knew that XXXX had sent me to them with my escrow - {$860.00}, there was no way no one would listen to me but the escrow analysis that was dated XX/XX/XXXX. Received XX/XX/XXXX was on the analysis that it was a plus, and by paying {$730.00} my note would go down. But no they had my money all this time and now I have lost my child support without my house being modified, on top of me loosing my sister to XXXX XXXX XX/XX/XXXX and then I myself just finished with my XXXX while trying to keep my home and trying to deal with all this paper work when they do not know what they are doing. I have done all I can short of handing them my home. Listen to this I have lived in this home for 20 years, after many years of physical, mental and physical abuse, I have my now ex husband removed. I got my home and full custody of both my boys. I have made it for 7 years without him. It took me 2 years to get my loan after that. I have worked hard to raise my boys pay my bills and keep a job with XXXX XXXX XXXX since XX/XX/XXXX. My house has appraised at {$120000.00} I owe XXXX really and I can not get help. I never had a credit car till my sister got sick then I had to find a way to help her. I borought her back and forth for 2 yeats to XXXX to get her treatments with out fail. But she did not make it at the age of XXXX yrs old. I was blessed with early detection. Well I begg you to read the complanits on the internet under Ditech XXXX+ complaints. Please can you hlpe me with my note to get away from Ditceh. Please answer me in some way.

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