Consumer complaint received 2016-11-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
THIS COMPLAINT IS AN EXTENSION TO A PREVIOUS COMPLAINT FILED REGARDING MY SHORT SALE WITH MY MORTGAGE COMPANY AND THERE NON COMMUNICATION WITH ME REGARDING THE PROCESS AND PROCEDURES FOR LOSS MITIGATION. MY COMPLAINT WAS NOT ANSWERED IN A SATISFACTORY MATTER BUT IT DID PROMPT THE COMPANY TO AT LEAST RETURN MY CALLS REGARDING MY SHORT SALE. I HAD BEEN TRYING TO SALE MY HOME WITH A REAL ESTATE AGENT AT NO PROFIT FOR 2 YEARS PRIOR TO APPLYING FOR A SHORT SALE WITH NO LUCK. AT THE TIME OF MY FIRST COMPLAINT I HAD A VERY GOOD OFFER FOR {$160000.00} AND MY PAYOFF FOR MY 1ST MORTGAGE WAS {$140000.00} WITH A 2ND MORTGAGE LIEN OF XXXX AND ANOTHER HEAT PUMP LIEN OF XXXX. I WAS NOT GETTING ANY RESPONSE FROM MY 1ST MORTGAGE COMPANY AT ALL REGARDING THE SHORT SALE. MYSELF AND MY REAL ESTATE AGENT WERE CALLING EVERYDAY. ALL OF OUR PAPERWORK WAS IN AND NO ONE WOULD RETURN OUR CALLS UNTIL I FILED THE COMPLAINT. ONCE THE COMPLAINT WAS FILED THEY RETURNED OUR CALLS BUT STILL DRUG OUT THE PROCESS AND WOULD NOT ACCEPT OUR OFFERS SO WE LOST OUR BUYERS. SINCE THAT OFFER WE HAVE NOT HAD ANYTHING CLOSE TO THAT OFFER AND NOW AGAIN THE MORTGAGE COMPANY WILL NOT RETURN ANY CALLS ON ANY OF THE SUBSEQUENT OFFERS AND EVERYONE SUBMITTING OFFERS ARE WALKING AWAY BECAUSE THEY DO NOT WANT TO WAIT WITH NO RESPONSE FROM MY MORTGAGE COMPANY. I AM NOT IN GOOD HEALTH AND CAN NOT HANDLE THE STRESS THAT THE MORTGAGE COMPANY IS PUTTING ME THROUGH FOR THE SHORT SALE OF MY HOME. I HAVE APPLIED FOR A DEED IN LIEU INSTEAD OF A SHORT SALE AND HAVE SUBMITTED ALL OF THE PAPERWORK THAT THEY HAVE ASKED OF ME. I NEED HELP TO GET THIS PROCESS COMPLETE AND I DEFINATELY NEED THE MORTGAGE COMPANY TO CONTACT ME BACK TO EXPLAIN THE PROCESS AND MOVE QUICKLY TO GET THIS APPROVED AND COMPLETED SINCE THEY HAVE CAUSED ME SO MUCH GRIEF WITH LITTLE TO NO ASSISTANCE IN REGARD TO THE PROCESS IN MY STATE. I FEEL THAT I HAVE LOST SEVERAL RESPECTABLE OFFERS ON THE SALE OF MY HOME DUE TO THE NEGLIGENCE OF THE MORTGAGE COMPANY AND THAT IT IS THE DUTY OF THE MORTGAGE COMPANY TO FOLLOW THROUGH AND WORK DILEGENTY TO APPROVE THE DEED IN LIEU SINCE THE OFFER OF XXXX WAS LOST DUE TO THEIR LACK OF WORK ETHIC IN THIS MATTER. ALSO ON MY LAST BILL THERE WERE CHARGES FOR " REPAIRS '' TO MY HOME THAT WERE EQUAL TO ALMOST {$500.00}. WHEN I CALLED TO INQUIRE ABOUT THESE CHARGES I WAS TOLD THAT IT WAS FOR WINTERING THE HOME, MOWING THE LAWNS AND RE-KEYING THE HOME. I EXPLAINED THAT THIS WAS NOT TRUE SINCE I WAS STILL PAYING THE WATER BILL, WATER STILL RUNNING THROUGOUT HOME, NEIGHBOR WAS MOWING LAWN AND REALTORS STILL SHOWING HOME WITH SAME KEY. THE CUSTOMER SERVICE DID NOT HAVE THE ANSWER FOR ME. VERY UNETHICAL. I NEED ANSWERS. ALSO THE MORTGAGE COMPANY TOLD POWER COMPANY BACK IN XXXX THAT MY HOME WAS IN FORECLOSURE AND THEY TOOK OVER MY POWER BILL. I FOUND THIS OUT WHEN I WENT TO PAY BILL. MY HOME IS NOT IN FORECLOSURE AND NOT EVEN PRE-FORECLOSURE. AGAIN, NO ANSWERS WHEN I ASKED MORTGAGE COMPANY ABOUT THIS!.

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