Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

Ditech and their 3rd party Vendor, XXXX, 1 ) Created an escrow account for my loan when I paid extra interest % to NOT escrow my taxes or insurance. Verified with XXXX  County Treasurers office, Taxes never late or delinquent, and provided ownership details on other parcels paid for with my funds. All taxes paid on time for my parcel since XX/XX/XXXX, per XXXX County Ohio. 

2 ) Attached 4 additional parcels to this escrow account that I do not even own. 

3 ) XX/XX/XXXX, Automatically withdrew {$3000.00} for a mortgage payment of {$1100.00} 4 ) Failed to refund excess funds withdrawn for 30 days ( {$1900.00} - funds due on another loan ) while this issue was being " escalated ''. This forced me to dispute payment with my Financial institution 30 DAYS after the error occurred, and they would not refund my money. ( I immediately paid the correct amount of {$1100.00} as soon as funds posted back into my account ) 5 ) Blamed each other ( and me ) for errors while failing to fix the situation and refund causing me to fax tax parcel ID from my mortgage documents as proof. ( sent XX/XX/XXXX ) 6 ) This error ( and their interference with my taxes ) occurred with my parcel in XX/XX/XXXX, but county sent funds back, as taxes were paid in XX/XX/XXXX. 

7 ) Refused to request funds paid to county on my parcel, per my request, XX/XX/XXXX. " Reverse all parcels and let me pay my taxes to the county, as my mortgage states ''. Idea was to reverse entire situation, and start over.
8 ) I have made payments each and every month since in the amount of {$1100.00} but Ditech has failed to apply them to the loan since XX/XX/XXXX. These payments are being held in an " unapplied funds '' account. 

9 ) I ( and my ex spouse ) have had derogatory information provided to the credit bureau by XXXX. 

10 ) No dispute was initiated until XX/XX/XXXX, which is totally unacceptable!. 

11 ) Dispute resolution letter received XX/XX/XXXX fails to address any of the issues and is TOTALLY UNACCEPTABLE. It fails to address my more than 40 contacts to try to resolve this issue. This resolution was sent electronicly, but attachment would not open or download. No Mail delivery of notice until requested XX/XX/XXXX. Ditech was made aware in XX/XX/XXXX that I received something I could not open. All other notices have been delivered by mail. 

12 ) After another ( and final ) reach out by XXXX County to XXXX XXXX at Tax Department for XXXX XX/XX/XXXX with no response, I paid tax funds in question on XX/XX/XXXX to Ditech. 

13 ) Still no response from Tax department forced me to submit the following A ) Letter to Refute their dispute resolution, B ) 17 pages of documentation of the error to the fax number provided on the dispute resolution letter on XX/XX/XXXX. I left a detailed message for " XXXX '' my account representative of record. To date, No response. 

14 ) As of XX/XX/XXXX, The automated system has not updated to reflect my payment of the taxes, and my mortgage payment for XX/XX/XXXX. It still indicates an outstanding balance of {$2000.00}. 


I have NO FAITH that Ditech will resolve this issue, explain how it happened, and will not accept any responsibility for an error they created. I have gone through their dispute process, with no resolution or assurance that it wont happen again. I have been dealing with for 7 months now, and believe my rights in this case have been violated.