Consumer complaint received 2015-08-05
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received tens of phone calls daily. 
I received threats of foreclosure on my home if ever a payment was late, despite my payments being made. 
I was told by employees of Green Tree Servicing to " borrow the money '' when I was unable to make payments due to financial hardship. 
When I did not answer my phone, Green Tree Servicing employees called all of my neighbors and told them to leave notes on my door. 
My neighbors and I were called on public holidays including XXXX. 
I was called at inappropriate times through out the morning and evening. 
I actually had to disconnect my land line due to harassment by Green Tree Servicing. 
I was refused options and assistance when I requested that my due date for my payments be changed to when I was receiving a pay check ( the last week of the month ). 
I was harassed at my place of employment to the extent that my boss told Green Tree Servicing and myself that if it continued I would lose my job. 
I wrote a letter requesting that Green Tree Servicing cease all contact except by mail and they continued to harass me via my neighbor, XXXX XXXX and call her phone tens of times daily. 
I received a letter in the mail stating that I owed them over {$4000.00} right then and there or legal actions would pursue in XXXX of 2014 for no apparent reason. I had been making my payments consistently for years. When I called to ask why I still owed money, I was given a vague and insufficient explanation and told that I still had to make payments otherwise I would be taken to court. 
I was told that my account had been charged off for a payment being over 180 days late, but I have made all except one payment and the one I missed was well over six years ago and I contacted them and after hours of harassment was told that it would be " tacked on to the end of my loan ''. 
I was informed that because some payments were late years ago, that my interest changed and that I was then only paying on interest, which does not seem right to me. 
I have requested a written explanation of the fees that are owed and the total amount that I have payed Green Tree Servicing on several occasions to XXXX XXXX XXXX? ) and was refused every time. 
I was refused any receipts of payments since XXXX of 2014 by XXXX XXXX XXXX? ). 
I was refused a bill since XXXX of 2014 by Green Tree Servicing, but if I stop paying them I receive a letter saying they will pursue legal action. 
When I called and talked to XXXX in XXXX 2014 to demand an explanation, I was told that it would be written down as a refusal to pay despite the fact that I was saying I would pay I just wanted to know what and why I was paying, threatened with court and hung up on. 
My account states online that it is closed in XXXX 2014 and when I asked for an explanation of why I am still having to pay, why I do n't receive a bill and why I do n't get a receipt for my payments I am belittled followed by insufficient and vague answers.

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