Consumer complaint received 2015-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

In XX/XX/XXXX, my mortgage company XXXX notified me that the mortgage on my home had been transferred to Green Tree Servicing LLC as directed by the federal government.  In XX/XX/XXXX, my home sustained a lot of damages from ice dams and falling ice blocks, including water dripping into the house from melting ice from the ice dams on the roof and a broken deck and heating system etc.  A roofing company had to remove the front gutter to stop the dripping of water into the house because they couldn't break and remove the ice dam from the roof.  A heating/plumbing company came to my rescue after XXXX days of being without heat and repaired the broken heating system.   An insurance adjuster came the day the back gutter fell under the weight of the ice block and broke the deck.  Though he couldn't get to the back of the house due to blockage of the doors by ice blocks and several feet of snow, he was able to put together a claim package.  The insurance checks that I received had XXXX my name and that of the mortgage company Green Tree Servicing, so, I called Green Tree and was instructed by the representative to sign the back of the checks and send to them by next day delivery and to ensure that I enclose a prepaid next day delivery envelop for the return of a replacement check from them.  So, I did as I was instructed by signing the backs of the XXXX checks in the amounts of XXXX and XXXX and sent to Green Tree by next day delivery with a prepaid next day delivery envelop enclosed on XX/XX/XXXX.  Rather than do what they told me they would do on the phone, Green Tree Servicing sent me a package instructing me to send a quote for the repairs from a contractor along with a completed lien waiver and a form XXXX  They also insisted that I send canceled checks for any work for which I've already paid and a bill along with completed lien waiver and form XXXX from any work already done but unpaid.   On XX/XX/XXXX I sent Green Tree a bill for XXXX from the plumbing company along with a completed XXXX form and a canceled check in the amount of XXXX and a bill marked paid from the roofing company.  It took several phone calls from the plumbing company and me before the plumbing company was paid and till this day, I have yet to receive a reimbursement for the XXXX I paid the roofing company.  
It was very difficult to find a contractor who was willing to complete a form XXXX for work they have yet to do but on XX/XX/XXXX, I sent a quote for the repairs from a contractor along with a completed form XXXX and a completed lien waiver to Green Tree Servicing.  Rather than send the money for the contractor to start the repairs, Green Tree sent a response, demanding more things that were never on the list of items.  It is summer and I can't open my windows or the sliding door that leads to my deck.  The deck is also broken, so, I can't use it and the house has no gutters in both front and back, while the areas where the water dripped into the house may have mold building up within the walls.  In addition, the shed in the back of the house is almost broken in the middle because the weight of ice on it caused a depression in the middle.  Basically, I can't repair my house because Green Tree Servicing, LLC has refused to send me the money I sent to them in XX/XX/XXXX for their signature.  Out of the XXXX I sent to Green Tree Servicing on XX/XX/XXXX, only XXXX the amount paid to the plumbing company has been disbursed till date.  I need to repair my home as soon as possible.  Please help me ensure that Green Tree Servicing sends me the remaining XXXX to repair my home as soon as possible.