Consumer complaint received 2017-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

Greentree was my servicer for my mortgage in XXXX, When I became unemployed, I contacted greentree and explained my situation. Greentree told me that there is a program for the unemployed that your mortgage will be in forbearance for 6 months which will give you the opportunity to gain employment and that I will then pick up at the 7th month and start paying my mortgage. Which I did and when I attempted to pay my first payment greetree refused the payment stating that I needed to pay the last 6 months in full. Which I was without any source of income for those 6 months. I was asked to pay {$6900.00}. Which was impossible. Greentree was incapable in assisting me I requested documentation regarding the rules for the unemployment forbearance. ( which I never signed any documents agreeing to anything this was done all via Call center ) I received a email onXX/XX/XXXX from Ditech Financial LLC that they was my new servicer. I applied for a loan modification in XX/XX/XXXX it took them 6 months to finalize the paperwork while I met and paid ALL streamline payments. When I received the loan mod documents there was some discrepancies regarding the numbers on the final documents. I wrote Ditech requesting a itemized break down of there numbers for this loan mod that I was approved for. Also faxed my request as well, ( with NO RESPONSE ) I called atleast twice a week since XX/XX/XXXX with no response regarding the issues. I continued to attempt to push ditech with documentation letters, phone calls still nothing. I had been transferred to multiple account managers over this time with again NO HELP!! I got a answer from My " new loan manager '' that the time for the approved loan mod had expired and that I pretty much needed to sell the property or deed in lieu. I rushed out and filed for Chapter XXXX so I would n't lose the only home me and my children have had for over 14 years. During this time I still received correspondence from ditech via mail. When I received my discharge I attempted to do a loan modification and was denied due to the fact the I did n't eliminate my financial hardship and my debts was a issue again ( chapter XXXX ) NO DEBTS!! I appealed that denial and they had until XX/XX/XXXX to respond per the letter Ditech sent me. On XX/XX/XXXX no decision had been made and no issues resolved. XX/XX/XXXX I finally received this letter regarding my appeal and was told " I am ineligible for FNMA that I needed a fixed rate '' That I also did n't qualify for a modification cause my principal and interest would go up '' But the modification that approved me for a year prior the P & I went up then and it was n't a issue, But I was n't signing that legal binding document due to the discrepancies. I have received multiple correspondence from ditech regarding my mortgage that makes absolutely no sense to me. When I question them regarding the discrepancies I am told send in written request ( which I had with no response ) I have held employment since XXXX my income has climbed significantly. All I have ever tried to do is pay my mortgage and bring it to current. With the approved modification I made ALL the stream line payments and additional payments pending Ditech to fix the issues on the loan documents. I have received a letter from Ditech on XX/XX/XXXXthat my loan modification package is complete and the evaluation process takes approximately 30 days, as this mess has continued due to Greentree ( which on XX/XX/XXXX federal trade commission settled a class action suit against them ) Come to find out Ditech Financial llc is ( GREENTREE ) and they are doing the same thing to consumers that Greentree has done and did. I called Ditech today to request the arrearage amount so I can get a loan cause I DONT WANT TO LOSE MY HOME!! I was told I had to pay all legal expenses ( what legal expenses ) I have never been contacted by an attorney and PER Ditech my home 's foreclosure process has been on hold and is still on hold to this day. I have followed all the requirements to attempt to bring my loan to current. I have contacted XXXX XXXX with several attempts to fix the issue. I just want to pay my mortgage I have proved to Ditech that I have been putting away my mortgage payments since they have refused them and placed said funds in a escrow account. I am praying that some one reads these documents and relizes the under handed stuff DITECH aka ( GREENTREE ) is pulling and assist me in saving my home. I have attached all documents to this complaint