Consumer complaint received 2015-12-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

Ive had XXXX XXXX XXXX XXXX different loan servicing companies within the first six ( 6 ) months of my loans inception. I have written to each one, called, and yet they have all either ignored me or sent me a computer generated letter and have NOT resolved the issues. 
I have written no less than XXXX XXXX XXXX ) certified letters concerning, mainly, the negligent accounting of my payments-without any help, without them even trying to resolve the issue. 
I have been to the doctors XXXX all because of these companies intentional neglect to contact me or even try to resolve and update their records. My loan has been passed around so much, I cant believe this is legal! How does the government allow them to pass around my loan and information so often and so fast?? 
XXXX of the servicing companies refused to pay my property taxes and even stated that they were NOT responsible for paying my taxes and NOT until I faxed them proof from the loan did they even consider to pay them. I started contacting them about my taxes before they were due and continued to prove that they owed the tax bill and still they did n't pay my taxes until they were late! They are ruining my credit, and I know this is the only thing that they can take your home away from you for, late on paying your taxes! 
When we, myself and the seller, sat down to sign the loan documents we XXXX did so with only a notary public in the room with us! We XXXX had questions that the notary public was not able to answer for us, and stated that they were only hired to come there that day to notarize our signatures on the loan documents as we signed them. 
When applying for this loan with XXXX XXXX with XXXX Mortgage, who originated this loan, she assured me that I could pay my monthly payments XXXX half at a time and as I payed each half payment it would be applied toward my loan and this would help with lowering the interest paid through the entirety of the loan, and YET after the loan was sold the new servicing companies stated that they placed my first half payment of each month into an " UN-applied funds account '' until they received the second half payment. I repeatedly made mention of this mistake and asked them to not do this and to apply the funds immediately to the loan to help with the life of the loan interest in lowering the total amount paid. 
These companies, since it has been sold from XXXX Mortgage, has been inaccurately accounting for my payments. They all show me to be behind on my payments, they all send me statements showing me being behind on my payments. I 'm sure once you confront them with my complaint they will state, " yes we have received XXXX XXXX complaint and are looking into it. '' HOWEVER, they just continue sending me statements showing me being behind on my payments and amount that 's due! 
They NEVER call me to ask about it, they NEVER send me correspondence that they are sorry and will fix it! When they sell a loan the last company is responsible for forwarding and making sure that, for XXXX after selling, they keep the new company informed and up to date with payments paid and their responsibility for taxes and homeowners insurance! 
THEY ARE BREAKING THE LAW!! If I broke the law they would prosecute me, take my home and sue me for additional funds and place a lien against me. 
WHAT IS BEING DONE FOR ALL OF THE LAWS THEY ARE BREAKING?? 
HAVING A NOTARY DO MY LOAN, XXXX THAT IS ONLY HIRED FOR THE DAY AND NOT ON THEIR PAYROLL!! 
NOT KEEPING A CORRECT ACCOUNTING OF MY PAYMENTS AND CONSTANTLY SENDING ME INACCURATE STATEMENTS LEADING TO MY PHYSICAL PROBLEMS! 
NOT PAYING MY TAXES AND MAKING MY CREDIT SUFFER-WHICH IS XXXX!! 
I have several problems and you ONLY ALLOW me to chose XXXX from the options below, WHY????