Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I already setup a previous complaint under XXXX on XX/XX/XXXX. But, this one will be more in line with what the problems I have been having because attachments are avaioable which has already been sent to the lender 3 weeks ago. The most difficult thing is that my mortgage company has not corresponded with me throughout their purchasing commitment of another lender during all of last year and until this year XXXX XXXX. They caught me off guard by sending out my very first mortgage billing statement attempting to collect a debt of over {$12000.00} on top of multiplying my first mortgage by over XXXX % from the original {$1000.00} amount that we 've paid since XX/XX/XXXX when we financed our loan that we were sure that the taxes were included under the XX/XX/XXXX loan purchased. Needless to say, it was not and we started out paying the tax separately until I got sick with a XXXX XXXX and I requested them to escrow mymy taxes so that I could afford to pay them starting in XX/XX/XXXX. The original Lender promised that they would do this and I corresponded with many people in order to make this happen. Lender then drug their feet for years on this and many tmes said they would start doing this back in XX/XX/XXXX and XX/XX/XXXX. The taxes ballooned out of sight due to my situation and then left to protect their purchase the new lender decided to pay all 4 years of back taxes that balloned out of control and then send us ahuge billand called it a Corporate Advance for the entire amount without a record of payment/receipt. This was not the way we requested it be done over the past 6 years and they had no records of the amount of payments and the notification of the easy payments that we ask them to set up for us over the entire length of the remaining balance because they allowed penalties and interest to incur yearly and some for 4 years where we would n't have had that prblem if they did what they promised. Also, the penalties caused them to incur {$10000.00} in excessive debt to my accouint that should not have, they were not reducing our principal balances ( due to set up as unapplied funds ) because they showed us not paying an exaggerated schedule of mortgage debt that was never reflected or sent to us and therefore the mortgage payment was determined to Not be paid in ful for over years. We need for them too reduce the estimated mortgage balance by {$35000.00} or more based upon our evaluation and lack of notifications, lost paperwork and estimations of penalties, interest, taxes, lack of escrow and other mishanlding that occured regarding our mortgages. The principal balance shou ; d have been reduced every month and the inetrest on the account should have been dropeed to a resectable 3/875 % as I refinanced with another lender so I can save over {$1800.00} per month based up the interest rate and overall mortgage balance of {$200000.00}. This should be the highest of the entire mortgage balance as estimated by another lender and the payments should not be over $ XXXX@3.875 % they offered with escrow taxes included under the payments combined with the homeowners insurance or PITI in total. And, lastly due to all of the hardship caused by the credit filing reflecting more than 8 months behind all of a sudden this problem mus bring us back to good reating and can not ever show up on our Credit Reports again causing us to lose refinancing options offered to us. Thank you