Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

Well where do i begin with this company!!! I got this mortgage 2yrs ago XXXX XXXX and come XXXX XXXX i had noticed that i was charged an advanced corporate fee for {$5.00} .. I called to ask what that was and noone could give me an answer spoke to several people and said it was to check on back taxes. I said what is there to check?? you pay my taxes and all has been paid. They then told me to write to the corporate office asking to explain the fee and if it could be adjusted. Well weeks late i recieve a letter from GreenTree staying that it is a valid fee and will not be refunding me at this time. Well i called and said to the next rep how does a company return a letter stating it is a legit fee being charged and I have to pay it without explaining to me what it is?? Could n't get an anwer from her either transferred me to a supervisor who could n't explain to me either. I asked to speak to the dept that was charging me this fee and i was told they ca n't do that they do n't speak to customers. I then go fed up and just pd the {$5.00} well now XXXX XXXX came around and i see i got charged again the {$5.00} so i got a rep that said we are checking on back taxes. WHATTTT??? i continued to say you pay my taxes with my escrow account how could this be?? Well she suggested i call my tax dept and when i did I asked them " if my mortgage company is requesting copies of the tax bill and you are charging them and if so what is the fee??? '' Well got my answer {$5.00} ..so i called greentree back asked to speak to the tax dept and finally got a person that somewhat knew what she was talking about so i come to find out that my tax office in PA does not send the tax bill to the mortgage co. they send it to me and I have to forward it to Greentree. Now i had to figure that all out on my own. Out of the XXXX ppl i spoke to and the letter i recieved not XXXX person or not XXXX sentence in that letter was able to tell me that. So now it is XXXX XXXX and pay the {$5.00} up front and mailed the tax bill and was told that it would now end and would n't get another fee and not surprised i got the next month bill and sure enough they were still charging me and the month after that and the month after that well i call again and say what is going on? I get a women who said she saw where the error was getting her supervisor to work on this immediately transfers me to him and as i was explaining to him everything, he was rude, obnoxious and lauging at me and hung up on me I want to say his name was either XXXX or XXXX ... I call back and someone tells me that it will be taken care of ASAP!!!! Well i get my XXXX XXXX and it is still there i make my XXXX pmt after calling and saying what is going on explained myself for a 1 yr and 3 months and she says this will be the end of it i see the problem and will be fixed, yeah sure ok. lets see how that goes!!! Well by no surprise i get a notice from the post office that i have a certified letter there and ready for pick up XXXX/XXXX/XXXX and yesterday XXXX/XXXX/XXXX i get my regular mail and there are XXXX letters from Greentree so i open it immediately and every letter said thank you for your most recent payment of {$5.00} but you must pay {$9600.00} something like that do n't have the letter in front of me but it was definitley {$9000.00} something you are at risk of FORECLOSURE!!!!! WHATTTTT?? I call i get a rep XXXX in Texas that said I do see you make your payments and I see where they fixed the {$5.00} issue but they did something wrong here while adjusting that charge. She said i am having my supervisor look at this and should be resolved in 2 days huh!!! Lets see about that ... NOT XXXX PERSON IN THAT COMPANY IS WORTHY!! THE COMPANY NEEDS TO BE INVESTIGATED AND CLOSED DOWN BASED UPON ALL THE BAD REVIEWS..