Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

On XXXX XXXX XXXX i lost my job. I was with out a job until XXXX XXXX XXXX. I fell behind on my mortgage and was unable to catch it up. Luckily i learned of a program in my state called the hardest hit fund. They paid my mortgage up through XXXX/XXXX/XXXX at this point i would start making my regular payments. so on XXXX/XXXX/XXXX i called to make my payment and The Gentleman that was the representative for DITECH Servicing told me there were still {$1700.00} just sitting and waiting to be applied to my payments he said once this happened i would need to make a payment of {$74.00}. once this was done this would pay me current until XXXX XXXX XXXX. I said are you sure because i thought the hardest hit fund was only going to pay me up until XXXX/XXXX/XXXX. He said yes Sir I am completely positive im sitting right here looking at it. I said well ok so he ran my card for {$74.00}. I got home told my wife what had happened she then called them and spoke to a lady representative and asked how much we owed for this month, the representitive said Mamm you are paid up until XXXX XXXX XXXX she ok are you sure we do not owe any thing she said i am 100 % certain. So my wife hung up. We assumed the system had messed up when they were applying the funds from the hardest hit fund. We recieved our statement in the mail it said paid up until XXXX/XXXX/XXXX. So we thought everything is ok. Well on XXXX/XXXX/XXXX i received a call from the representitive with DITECH Servicing and she told me that i needed to pay my account and that it was almost 60 days behind. I said how is this possible they said the only payment they had received was a payment of {$74.00} i still owed {$1700.00}. They then told me that the {$1700.00} in funds was in a check that a gentleman from California wrote and just so happened to be for the amount of what my house payment was for and he had written my account number on the check. They realized it was a mistake and so they reversed that payment leaving me now owing the {$1700.00} and they want it paid immediately. So i asked for my Designated account rep to give me a call so i could speak to one person about all of this. She did so on XXXX/XXXX/XXXX she said it was very confusing and would need to do some research on it. so she called me back XXXX/XXXX/XXXX and tells me there is nothing they can do for me that i must pay these funds i said there is no way i can t=do this i do not have the money. i said shouldnt be responsible for a mistake on your companies side. So she transfers me to her supervisor the supervisor was so rude it wasnt funny she said Sir what would you like to happen out of this? Just make this amount disappear make it vanish? I said well yes i think you guys should eat it this is not my fault and you have said that but now im left oweing for 2 months worth of payments. and you guys do not care. She said the best we could do is split these payments up into 4 months and you will {$430.00} on top of your current payment each month. I said how in the world am i supposed to afford the extra {$430.00} a month? Then she said if you do not except foreclosure proceedings will continue and will stand have a nice day sir goodbye. Now i do not know what to do or how i will afford it?? Please help!! After all of this i have started looking online and Ditech Used to be called Greentree Servicing and now their are law suits against both companies right now pending and tons of complaints for the same problems i am going through right now. This is unreal! Can not believe i am going through this and could loose my home over it!!??!!