Consumer complaint received 2016-08-08
Company: Ditech Financial LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a customer of Ditech mortgage company. I have never made a late payment but over the last few months I have been harassed with collections calls and a man came to my home, despite repeated confirmation from the company that my account is now, and has always been, current. I am suffering from anxiety and my baby has been affected. My family 's peace continues to be disturbed. The company is failing to acknowledge their actions and continuous harassment occurs. 

According to Ditech Mortgage company, their computers began having problems in XXXX 2016, incorrectly reporting that our mortgage was past due. We have never made a late payment on our mortgage. We pay our mortgage in full every month. 
I began receiving late notices in the mail. I called for resolution and the company reported that " they 're working on it. '' Phone calls continued but were not documented as I assumed the company would take care of it. I answered every call, had to sit through accusations that my account was past due and " was I ready to pay now? '' Had to convince them every time that it was not past due. Was told, " they 're working on it. '' Shaken up through every call as I was continually accused of avoiding my obligations. 

On XXXX XXXX, 2016 I received a call at Saturday morning at XXXX while I was in the middle of feeding my 10 month old breakfast, informing me that I had a balance past due. I responded and demanded they stop harassing me. The previous calls were at least during the workweek. Now, XXXX of the only days during the week when I can feed my son breakfast, I am suffering undeserved harassment and interruptions. I am extremely upset after this call. 

On XXXX XXXX, 2016, a man approached my front door. My XXXX was napping and my dog began loudly barking at the man at the front door. The man was messing with the front door handle. Upon inspection, the man had left a notice in the door informing me that I should call Ditech to set up a meeting to discuss my account. 
I called Ditech to complain and the company asserted that they are not the ones who send out people to collect debts and they have nothing to do with the attempts to collect the debt. I insisted they provide me with a contact for who in fact does send a representative to collect an alleged Ditech debt, if not Ditech. The company had no response. Company response : " it was an accident. '' On XXXX XXXX, 2016, I received a notice in the mail that I should contact Ditech to figure out mitigation for my past owed debt. Received the notice the day of my birthday party when I had XXXX people in town. Again became upset as my friend watched my open a past-due notice. 

My family has suffered from this continuous harassment. I am suffering from XXXX. We take pride in the fact that we are current on all our obligations. Receiving threatening phone calls and 'gotcha ' phone calls and having people come to our door has been emotionally disturbing. Please help us as this company refuses to acknowledge their actions and is failing to rectify this situation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation