Consumer complaint received 2015-06-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a residential mortgage loan that is currently being serviced by Green Tree Servicing LLC ( Green Tree ). I believe that errors have occurred concerning Green Tree 's servicing of my loan, and my belief has been confirmed in various telephone communications I have had with different Green Tree representatives who have verbally confirmed that servicing errors have in fact occurred which are attributable to Green Tree. The representatives assured me that the errors would be promptly corrected by Green Tree. However, to date, the errors have not only not been corrected, but I have been repeatedly and persistently threatened and harassed both verbally and in writing on a daily basis by Green Tree representatives, claiming that my loan is in default, inaccurately stating the amount due on my loan, and claiming that Green Tree has already taken steps to obtain the mortgaged property through foreclosure or other legal proceedings. Specifically, following the service transfer of my loan to Green Tree, I was notified by Green Tree that a specified amount was then due and owing on the loan, which needed to be paid to bring the loan current. I immediately paid the full amount represented to me by Green Tree via a payment by phone as requested by Green Tree, and the payment subsequently posted to my bank account. I was advised by Green Tree that my loan was current and that I could continue making my regular monthly payments. However, Green Tree began contacting me claiming an error occurred with the escrow account on my loan. When I requested an explanation of what occurred, I was first told the error occurred because Green Tree had not received all of the funds from the prior servicer that should have been in the escrow account for my loan. I was later told that the error occurred because of an escrow refund that had been " inadvertently '' applied to my loan. Green Tree stated that an escrow check was sent to me in error and that I needed to reimburse Green Tree for the amount of the check. I repeatedly advised Green Tree that I never received any escrow check from it and I requested that Green Tree send me a copy of the negotiated check that it claimed had been sent. To date, Green Tree has not provided me with a copy of any negotiated escrow check. I continued to make my regular monthly loan payments in an effort to keep my loan in good standing and in the hopes that the issues would be resolved by Green Tree as it had promised. Green Tree continued to accept each payment that was made, and each payment has posted to my bank account. Notwithstanding, Green Tree continues calling me numerous times each day, claiming that my loan is delinquent, demanding payment immediately, and threatening further collection action and litigation if the purported delinquency is not cured. Moreover, the Green Tree representatives with whom I have spoken have been extremely aggressive, rude, abusive, and harassing, and when I tried to explain the situation, the calls have only become worse and the representatives have taken an even more hostile attitude and tone. As recently as XXXX 2015, a Green Tree representative looked into my loan account, confirmed that an error occurred on Green Tree 's part with the escrow account and confirmed that there was no past due or delinquent amount due and owing on the loan. The representative advised me that he had also confirmed this with his supervisor and that the error would be corrected. Unfortunately, it was not. I made several more calls to Green Tree to try to rectify the problem but to no avail - I was told a supervisor would call me back but he never did and he never returned my voicemail. Green Tree also failed to send me a billing statement for XXXX 2015 and refused to accept my regular monthly payment over the phone, instead demanding I pay a much higher amount. I mailed in the payment

Company response to consumer: Closed with explanation