Consumer complaint received 2016-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KY)

I had filed for chapter XXXX in XXXX and did not include my mortgage company there have been numerous issues with this Ditech Mortgage and I 've tried for a few years to resolve. I could n't get anywhere with them so I entered a dispute on my credit report that the account status and loan type after my bankruptcy had been discharged with a note of missing payments. I wanted them to correct everything. I have copies of my loan yet they say it is n't correct ... umm Whatttt? What happens next blows my mind. My entire mortgage was removed from my XXXX credit report and they placed a XXXX on my XXXX with still the wrong loan type. I 'm not sure what is going on with XXXX, have n't checked it because it is n't on XXXX XXXX ... this has seriously affected my credit. Even with my bankruptcy I had a score of XXXX 's, I was never late on bills before we filed. My current mortgage is fixed rate with interest only payments ( was setup to be for 10 years, XXXX is the 10th year ) for years then changes to include P & I payments. We want a better interest rate and to get away from Ditech. Ditech is sabotaging us and holding us hostage to them because we ca n't get a better rate with all of the mortgage issues we are facing on our credit reports. It still appears on my husband credit with all the same issues as mine had and has. I told him to leave it for now until I can get some help to resolve our issues because of what has happened to me. I 've contacted Ditech so many times on my issues and made them aware the mortgage has been removed, I was told they will get it corrected and for me to call back in a few business days for an update. I 've called back each time and spoke to the manager because the my account manager is a joke.. ( it appears the manager is as well ) ... tickets are closed and unresolved on my credit. Twice the manager opened a new ticket, both closed shortly thereafter. I 've even received a letter in the mail that they acknowledge my case but then the last ticket has been closed and not one person is contacting me back because my last call I stated I 'm tired of calling and getting the run around. Before this happened they had changed my loan type and rate. We did n't file against them, we have never been late and we only filed when the economy crashed and my husbands income was drastically affected. I feel like there 's no hope and I 'm stuck with these company. I called their refinance department to get rates thinking if we refinanced with them it would fix the issue and then refinance again with another company once the credit was restored ... they see my account within their system but could not see it on my credit report and told me it was my fault for having filed bankruptcy and that they have the option to not report. Yet when i called before to open tickets they said they were reporting. I 'm exhausted with this and I 'm running out of time, we are paying a lot in interest and we need to lower our payments, this should also be our right to have a better experience and not to be punished. I 'm want to receive compensation at this point for our damages and have them correct this quickly so we can leave this company. Let me be clear, we did not go to them for a loan it was sold to them from XXXX XXXX XXXX before our bankruptcy. GreenTree Mortgage is aka DiTech Mortgage ... same company the problems i found when searching GreenTree are the same as with DiTech ... They should be fined, audited and shut down. This is not regarding making payments this is regarding handling my account, there was no other option close for the correct selection of what my issue is related to.