Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

This has been a long involved process, over the past year. My loan is through Ditech, orgionally XXXX, then Greentree, and so on. Been with all of them, but currently Ditech. 
For years I have gotten a hardship discharge on my taxes. In XX/XX/XXXX I received a 'newly analyzed ' bill from Ditech which included property taxes. I promptly submitted my discharge letter showing there was XXXX taxes due. Over the next six months, I received several bills showing due for 'past property taxes. ' And I subsequently sent/faxed/mailed many times the discharge letter showing XXXX taxes were due. Each time, beginning in XX/XX/XXXX through XX/XX/XXXX that I sent a letter/faxed, Ditech would send me a standard reply letter stating 'we are looking into the matter and will respond in 30 days. ' However, they never responded until XX/XX/XXXX when I had filed a case with the AG of Michigan ( XXXX XXXX # XXXX ). By then, the house had gone into foreclosure. ( I did pay my monthly house payment of {$260.00} ; the only amount that was overdue was the property taxes. Ditech was demanding I pay $ 1000-2000 for property taxes. But please remember I had submitted to Ditech on numerous times my hardship discharge showing I owed XXXX property taxes. Ditech had proclaimed from XXXX to XX/XX/XXXX that they had completed many escrow analysis '. When the case with the AG was brought to Ditechs attention ( XX/XX/XXXX ), a Ditech Representative, through very malicious letters, claimed that I was lying, and that I indeed owed property taxes. I have corrospondence from this representative where she throws all the blame of this mistake onto me, and insists there are taxes due. She herself throughout this corrospondence is caught in many lies. Ditech sent a check for property taxes to two taxing authorities. One had been returned, and the other one was caught in limbo, but eventually sent back to Ditech. And even though the one check had been returned, and Ditech had many copies showing I was tax exempt, they still insisted I owed property taxes and were charging me for these transactions. Please remember, my home was in foreclosure XX/XX/XXXX due to these purported property taxes, I am a XXXX  senior citizen on a extremely fixed budget. I would like to reiterate that from XX/XX/XXXX through XX/XX/XXXX there had been no corrospondence from Ditech, short of the standard reply letter stated above. 
Moving forward, in XX/XX/XXXX Ditech closed my escrow account, entirely. Ditech representative, which I stated above, insisted I asked to close it, which, I never did. This included my house insurance. In XX/XX/XXXX, Ditech demanded I pay them {$1100.00} for back escrow. Again, I filed a claim with the AG of Michigan, case number and worker stated above. Without my knowledge or consent, Ditech sent a check to my old home insurance company ( XXXX XXXX ) in  XX/XX/XXXX, and were demanding payment. However, when Ditech closed my account in XX/XX/XXXX I had changed insurance providers and was paying a monthly amount to the new company ( XXXX ). AGAIN, Ditech put my home into forclosure XX/XX/XXXX, because of the back escrow which they now said was due. I would like to like you to know that despite Ditech reinstating my escrow account on XX/XX/XXXX, due to THEIR error, they did not notify me of this until XX/XX/XXXX, almost three months. 
I would like to add here, that in XX/XX/XXXX, due to all the stress from Ditech, I was admitted to the hospital in XXXX XXXX. XXXX I had a XXXX  with an XXXX XXXX XXXX. My health is very XXXX. But even this amount of XXXX  would affect a healthy person, let alone a ill person. 
It took this money some time to circulate through XXXX XXXX, and know that Ditech was charging me this entire time for their mistake. XXXX   finally sent me the money, of which I returned to Ditech. XX/XX/XXXX, upon advice from AG XXXX XXXX. 
XXXX XXXX dismissed this case in XX/XX/XXXX. However, I went to the mailbox yesterday and received a bill from Ditech for {$640.00}. According to XXXX XXXX, Ditech reports I did not pay XX/XX/XXXX payment. When in fact I did, and have the canceled check. I have paid my {$260.00} each and every month, and the {$54.00} insurance since XX/XX/XXXX. For XX/XX/XXXX admittedly there was an emergency and I had to be late with my payment, but that is a mere {$310.00}, and will be paid this week. 
Next month, it will be one year since this began. There had been more issues with Ditech before this year, but I was just to sick to fight. I have gone through two foreclosures due to Ditechs mistakes, and refusal to address issues, over the past 12 months. Also, Ditechs representatives are allowed, and encouraged, to lie and manipulate customers ( when asked why Ditech did not call and discuss the above matter regarding taxes, the rep said 'we prefer to have written corrospondence. ' However when it was pointed out that Ditech had four to five months and only sent the standard 30 day reply stated above and did not follow up, she became vicious and accused me of lying. But in fact, it was her that had been lying. And I have substantial proof of this ). 
Furthermore, I do not believe that my account throughout this period with Ditech has been properly handled over the years. Ditech has been applying almost the entire payment to interest, with little to none going to principle. And I know for certain years ago, when the interest was at a lower rate, they overcharged my account. And again, there has been almost XXXX interest paid down. 
I also would like to add here, just how low Ditech will go. As I have told you, I have been working with XXXX XXXX at the Attorney General 's office of Michigan. She called me during this case, in about XXXX or XX/XX/XXXX. She told me that the Ditech Representative XXXX XXXX ( this was a new girl, as the previous one had been caught in so many lies ) had informed her that I supposidly had sent a check to XXXX XXXX, she told Ms. XXXX that she recieved the check and it 'had been written all over. ' Now, the only thing I could make out of this was Ms. XXXX was trying to make me look a little crazy. Or maybe stalkish? I dont know. And I wondered what that had to do with my house payment. But anyways, I sent a copy of this purported check to Ms. XXXX showing her it was indeed made out to Ditech, not Ms. XXXX. And there was no unnessacary scribbling or writing on the check. The only way Ms. XXXX could have gotten the check was if she worked in the mailroom, but since her title is 'paralegal ' I doubt that. The point is, why? What was Ms. XXXX trying to prove falsely? But, that is Ditech for you. 
Please, help me with this case. My XXXX XXXX has gone up substainially over the past few months. This is all absolute nonsense and unnessacary, and I would call harassment. Ms. XXXX has tried, but more apparently needs to be done. My home is going into foreclosure again ... ... ... ... ... according to Ditech.