Consumer complaint received 2016-09-28
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loan modification on our rental home we have had since 2005, we paid on it a long while, we had many hardships that led us to get behind, bad tenants who did not pay rent, etc ... some even ruined the apartment and we had little money to redo to rent out again. 
We have gone back and forth now for almost a year trying to get the bank which is Ditech Financial LLc. Which i believe was green tree in the past. To work with us to modify this loan. They started foreclosure procedures and i have asked the courts to help out but they have to stay neutral and now they just sent papers back to me denying my modify saying its a rental, and we make too much money and that XXXX backs our loan and something regarding there restrictions and that due to rentention reasons and all this other issues. We are outraged. This has gone on forever and the attorney handling this with there lost mitigation department, This XXXX XXXX from XXXX, she is the loss mitigation person, they say they mail things to me, the bank that is, then it comes a week later with different dates, and then the loss mitigation person just emailed me the denial letter on XXXX XXXX and said i have 14 day from the date the letter was typed which was XXXX XXXX. but now mail came to us and just an email from this loss mitagation person. This bank stretches the truth, not following proper procedure i know, i have been a realtor for almost 20 years now. They have told wrong things to the courts and magistrate, they delayed things for me timely, i truely believe that the update income information never got to the bank. We have been working directly with this Attorney office mitigation department whom respresents the bank, Ditech financial services. This was sold off once while we were under this modification, been one headache after another. There smooth here, they know the laws and what they can get a way with. So i just filed an appeal today the XXXX of XXXX to the bank with the updated verification i sent them monnths back. Do you know they have had me fill out paperwork on this deal so many times at least 2 to 3 times, notjust verifying income either, its over and over again, ya know most people would not hang in there, they would just give up. We are upset over this deal. We love this rental and have had it for many years. XXXX cant help us out either, I just modified my own home and another rental property, all which went okay, not the best but okay, i have experience with this unfortunately. This is awhful, this bank will get away with lieing, execuses, all this bs with dates and mailings and emailings, no wonder why most people cant even deal with this. This is stressful to say the least too. All we wanted was a fair shake at a modification loan, we have not seen it yet. They cant get my income right, and now i have to spend more time writing letters, explaining over and over and over again, what i sent these people. This is so forever frustrating, I believe they never wanted to modify this loan to begin with, and the push ups they made me do and jump through hoops and to tell me we deny you. They know this is a rental. They know there is a hardship. So why cant we get this bank to deal with us fairly. We are just average people with somewhat of a brain here, but we know more than the average. We will fight them and we feel they will still turn us down, why do the banks have to be so unreasonable and not very helpful. They always win in the end and they make so much money off these deals, Were just sick over it. We are not happy and are upset. I am angry over this and outraged that every bank is different and does different things, i guess i cant be shocked as to the unprofessionalism i have been dealing with. Can you please help us in any way. Greatly appreciate all the help we can get. Thank you XXXX.

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