Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

In XX/XX/XXXX I submitted a loan modication application to XXXX XXXX with the help from my local Housing Agency to insure that all paperwork was in order. It was supposed to be a 90 day start to finish process. I spoke with a Greentree representative in XX/XX/XXXX after getting a 3 month deferment on my monthly payments because she called to let me know that my modification would not be processed until I made my XX/XX/XXXX payment and continued to pay during the modification process. In XX/XX/XXXX I contacted XXXX XXXX to find out what the status of the modification was and was told that they had lost my documents and that I had to reapply. In XX/XX/XXXX I resubmitted all documents and again waited for a reply from them. In XX/XX/XXXX I contacted Greentree to get an update on my modification and was one payment behind at the time of our discussion. I was told by the GT rep that she would throw my modification in the trash if I didn't make my payment via phone that day. By that time I had maxed out credit cards attempting to keep up the payments. I had a family member make payments to the amount of {$3000.00} and also used local services to help with the payments. In XX/XX/XXXX my paperwork for my modification was missing again. In XX/XX/XXXX after using up all resources available I applied for a loan modification with XXXX XXXX and received a letter on XX/XX/XXXX that the received the paperwork. No further information was sent on the results. In XX/XX/XXXX my home went into default and was sent a certified notice via XXXX. In XX/XX/XXXX the house was listed for sale. I diligently paid on the house for 18 years. I filed legal separation papers in XX/XX/XXXX and in the agreement the house was awarded to me. Greentree would not let me know who the title holder of the house was and refused to take my husband off of the loan. In XX/XX/XXXX I  applied for a mortgage loan through XXXX XXXX XXXX for a lower interest rates that made my payments {$250.00} less per month and XXXX XXXX denied the request. While attempting to complete the modification process I was continuously redirected to collections department and was denied the right to speak with a representative in reference to my account status. I was threatend with foreclosure, ridiculed, called names and yelled at. I was told that on the XX/XX/XXXX of every month they dressed up like bums during their meeting to represent us losers. There many more things I could report on their customer service tactics but will keep focused on what's most important. It is my belief that XXXX XXXX intentionally forced me into foreclosure by their actions. I lost home, property, upgrades like buildings, fence etc. and belongings and live in a small camper. In XX/XX/XXXXI moved out of the home and signed the house over to XXXX XXXX with the promise that by doing so it would not be reported to the credit bureau. It is on my credit report and I was billed for {$1200.00} for cleaning fees. I hired XXXX XXXX in XX/XX/XXXX to sell the house and it was in excellent condition when I left it. I had 2 offers that were denied. I'm not sure who denied them but thought it needed mentioning. Thank you for your time and service. You help keep these fraudulent companies straight. Most of us have not got the resources to do this on our own.