Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

In the fall of XXXX I applied for a mortgage modification from XXXX XXXX XXXX. I was laid off XXXX XXXX of that year and decided to just retire. After over a year and a half I finally received the signed documents from XXXX in XXXX of XXXX. It was pure XXXX the entire time working with them. As soon as I received the signed documents XXXX sold my mortgage to GreenTree. GreenTree would not acknowledge that I had a modification and finally in the fall started foreclosure procedures on me. I continued to pay to GreenTree the amount each month that XXXX had come up with in the modification papers. GT would not go back to XXXX and verify that I had a modification and XXXX would not help me at all because they no longer owned my mortgage. What a bunch of deceit these mortgage companies are able to get away with. I finally got fannie mae involved and between them and proving to GT lawyers that I indeed had a legal modification and that I had never been late on any payments, at all times doing exactly what XXXX told me to do and pay what they told me to pay, GT agreed that I was telling the truth and sent me a letter in XXXX of XXXX stating what they wanted me to start paying. {$640.00}. My Principal balance was XXXX on my XXXX XXXX statement. For about the next year GT kept putting a dollar amount in my statements under the heading of XXXX XXXX XXXX. When I inquired about it they kept telling me it was lawyer fees. I fought that for about a year and finally got fannie mae back involved the beginning of this year. XXXX. GT finally said they paid me back all the lawyer fees that I had paid to them. I had no way of knowing what that was because when I asked them to show me all the money I had paid they sent me this multi page report that showed all the transactions up to that point. It was so convoluted with additions and subtractions for each month with dollar amounts that had nothing to do with PITI and never once used the words lawyers fees that I could not make heads or tails of it. I just had to take the word of a very deceiving company. After getting fannie mae involved early this year, all of a sudden, from my XXXX/XXXX/XXXX statement to my XXXX/XXXX/XXXX statement my principal balance went from {$100000.00} to {$100000.00}. Over {$2500.00} with absolutely no notice to me. I did n't even notice it myself until this last summer when all kinds of really crazy things started happening. After many calls and a few letters to GT, they told me that my mortgage had not been officially completed in their system. A year and a half after they sent me the letter confirming what I needed to start paying them according to the modification. The {$640.00} amount. Then in XXXX they said they had finished and that I did n't owe another payment until XXXX XXXX. Then in XXXX they starting calling me and asking if I was going to make my payment. That I was late. When I told them about not having to make a payment until XXXX they said that was a mistake and they I needed to make the payment. I did. And then in XXXX or XXXX they once again said they completed whatever it was that needed to be completed and that I did n't owe a payment until XXXX XXXX. When I tried to get an explanation about all this they just stoned walled me. In my XXXX statement my principal balance had gone up more to {$100000.00}. Based on my XXXX XXXX XXXX statement and based on what I pay in principal each month ( a little over {$100.00} XXXX my principal balance should be around {$100000.00}. Also, recently I inquired about refinancing just to get away from GreenTree now Ditech and found out all the negative info about the foreclosure is still on my credit report.