Consumer complaint received 2016-07-22
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Ditech Financial because they purchased by loan from XXXX XXXX Last year in Dietech I was behind on my Property Taxes so I went into the XXXX County tax Department and put XXXX down and agreed to pay {$230.00} per month to catch up on the taxes my property taxes are XXXX. per year at that time I was behind about XXXX. but another {$900.00} would come due in XX/XX/XXXX and then again in XX/XX/XXXX. So the plan would have brought me up to date by in about 12 months when it would come time to make another agreement and also paying ahead. the agreement is in force from XX/XX/XXXX to XX/XX/XXXX and its goal is to pay until you get at by least 6 months. Your property will not go into foreclosure as long as you pay. It also allows for you to miss up to 2 payments with out any consequence. I have done this many times over the past 14 years of my loan and no problem. Each time I keep renewing my contract in XX/XX/XXXX. Most of the time this has happened is because I have had had to make costly repairs to my home and since we filed Bankruptcy in XX/XX/XXXX we have been unable to refinance so all repairs are on us. Despite my having gone and made the arrangement and faxed Dietech a copy of the agreement. they decided to pay behind tax along with the coming taxes for the year. They paid around XXXX. which takes me though to no tax due until they send the bill in XXXX XXXX. The then sent me a letter stating that they would add it to the end payment on my mortgage ( and I am fine with that. ) My problem is now Dietech had sent me a new payment as of XX/XX/XXXX first changing my payment from XXXX to XXXX. In doing so they will be forcing my husband and I into foreclosure. We are both retired and on a fixed income I was working last year but my part time job is no longer available so all of my bills must be kept within my balance. I am perfectly capable of making arrangements to pay XXXX down and $ XXXX month to the XXXX county department in XX/XX/XXXX which is when they allow me to make the arrangements for the coming tax year of XXXX. Which is a better deal for me all the way around because the XXXX County will allow me long as 4 years to get ahead on my taxes as long a I pay each month and renew each XXXX. They will even let me skip a payment or two without nullifying the plan. Dietech 's plan is way to much and I think unfair especially since I did this with XXXX XXXX at least 3 times during my loan history with them. Also Dietech was aware of the payment and the payment plan that I had made in XX/XX/XXXX as I faxed them a copy of the agreement and the payment receipt and they were also aware that I had made a payment in XX/XX/XXXX when they decided to pay the full tax bill them selves now thy plan to increase my mortgage payment by XXXX by XX/XX/XXXX for a tax of {$900.00} which will not come due until XXXX XXXX, XXXX. And they are not affording me the opportunity to deal directly with the XXXX county Tax Department as I have been doing since XX/XX/XXXX when this loan began before I ever heard of them!

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