Consumer complaint received 2017-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

XXXX XXXX gave us a mortgage in XXXX/XXXX/XXXX. During the first weeks of XXXX, I made a {$50000.00} principle reduction payment. But I did n't get transaction history for years and when I did get the history I did n't notice that XXXX XXXX had posted the money to principle reduction then posted it as a reversal. Then on the same date XXXX/XXXX/XXXX they posted it to Unapplied funds and finally they posted a credit to escrow disbursements. We had a mortgage for {$290000.00}. They had taken the {$50000.00} off the running balance and it went to {$240000.00} but then they put the {$50000.00} back on to the loan amount on XXXX/XXXX/XXXX when they did all of these transactions. I want my {$50000.00} back into my hands. We are one month late and could use our money. 

They also would bill us a late fee of {$91.00} but the next month they would credit Uncollected Interest in the amount of {$91.00} instead of posting it to late fee paid. Like clockwork, every time there was a late fee for {$91.00} the next transaction in following month would be a posting to interest. Fees and interest are two different things and I want my late fees back that they put into Uncollected interest. They have also collected other {$5.00} and {$10.00} fees without giving notice of what they were for. 

Green Tree Servicing took over and they harrasssed us at every turn. They also have done some hinky accounting practices on our account. Forgetting to take the principle portion of a payment from off the running balance. Going back into the transactions and changing transaction history. 

Green Tree wanted our house and would try every trick to force us out. I complained to the AZ Attorney General. But before they were closed and turned into Ditech Servicing they had us by the neck and told us to do a loan modification or lose the house. We had no other options but to take their loan modification and conditions. A new 40 year term at a lower rate. I have the loan mod paperwork showing it was a 40 year loan. 

Recently I was talking about refinancing and had s mortgage officer run credit on us and he said it 's showing a 49 year loan and not a 40 year loan. The transaction history has already been and is still being changed and I have old transaction histories to prove that they are changing the history as far back as the {$50000.00} princ payment. Ditech is doing this as well as countless other changes they are making to the accounting. Including adding in inspection fees and insurance fees after the fact. 

Ditech, a XXXX company like Green Tree took over from Green Tree. This accounting debacle needs to stop. I should be able to look at the accounting and see a credit to an account and a debit to its respective account but they are not doing it this way. In fact, Ditech has been changing the transaction history and posting payments before I even sent the payments. They are saying that they are cash payments when there was never a cash payment. There is so much more that is wrong accounting wise I 've had to send several letters to them asking about different things they 've done because there 's just too much to query them in a single letter and it is complicated now that they 've changed the transaction histories. 

Please help me. I put $ XXXX down on my house in XXXX plus {$50000.00} extra principle in XXXX and I paid that mortgage until XXXX when Greentree Servicing forced us into a loan modification and I do n't believe we were really late or even needed the loan mod. Due to Greentree ' accounting slight of hand. Malfeasance, malfeasance, malfeasance!!!! 

Now we may have a 40 year loan or a 49 year loan and if they based it on a 49 year loan and need to adjust all those payments to principle, interest and escrow since XXXX 's loan modification, it 's going to be a nightmare.