Consumer complaint received 2017-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

Our loan was sold to Ditech after a bankruptcy. We have recovered nicely from that, except for the issue with Ditech. They are a predatory lending co! The bad reviews and complaints are so numerous its is n't possible to read them all!! It all starts with the reaffirmation ( XXXX 2016 ) of our mortgage after bankruptcy, they did a loan. ( We should have cut our losses and run away!! ) Just 1 month after signing and have new documents notarized, they changed our monthly payment. We simply asked for new paperwork to be sent to us reflecting the change in the requested monthly amount. They refused. We continued to make our payment of {$570.00} until the 1st year was up and they notified us that our escrow had changed and our new payment was {$560.00}. We have made every monthly payment since our bankruptcy never missing one! Somewhere in their infident wisdom, they have screwed our account up. They are telling us we are 66 days past due and owe {$1700.00}. Not possible when we have NEVER missed a payment. Our bank can prove this as well. XXXX XXXX is the owner of our loan, they too can see all payments have been made. We have asked them to look into this and faxed what we can. <P/>Today I called to make our XX/XX/XXXX payment, the automated system sent me to a voicemail that was not accepting messages, it was the bankruptcy dept., not sure why? It was closed almost 2 years ago. So I had to work myself through their stupid system until I got a person. She refused my payment, but would not tell me why or tell me how much needed paid. My husband has given verbal and written permission to speak with me on multiple occasions. They are never able to find anything we send them. I asked for a supervisor, she refused. I had to call back and speak to another rep who put me through. She in turn said again I needed bankruptcy dept, I tried asking why, she ignored me and transferred me to yet another voicemail NOT accepting messages because it is full. What reputable company has multiple full voicemails??? One that has NO INTENT on calling anyone back!! I tried to make a payment online, it will not allow us to, apparently that function has been blocked as well. Although I 've been told by several of their service reps we can do that. We have no explanation as to why payment is being refused, I was told by XXXX XXXX that they ca n't refuse our payment. We are not in bankruptcy or foreclosure, so there is no excuse. We believe their intent is to cause us to somehow fall behind and then try to foreclose. We will NOT allow that to happen, I will fight them and file complaints with every entity I can find, I have filed with the BBB and our Ohio State Attorney General 's office is next. We will continue to push XXXX XXXX to relocate our loan with another company as well. The only solution I see is a change in mortgage companies as Ditech is by far the worst I have come across when doing research on this matter. They have done this to others as well, and I hope that some government agency will step in and help us fight them!! <P/>I want them to provide us with a statement of all payments and explain to us how they THINK we are behind, because like I said we can prove otherwise.