Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

I have filed a number of complaints with your company concerning GreenTree/ Ditech and absolutely nothing is been done to correct my account and the horrible practices the company is using. As explained before I was receiving assistance with my mortgage previously before my loan was transferred to Green Tree. Once my loan was transferred to GreenTree in XXXX XXXX I advised them to update my account because I no longer received assistance and this information was updated by XXXX the previously lender. I have contacted a number of people within this organization advising that I do not receive assistance but it 's like talking to a brick wall. On my statement it was listed that my payment was {$230.00} and that I receive subsidy for {$310.00}. I make my entire payment of {$550.00} each month with no assistance. I have been waiting for XXXX XXXX mortgage interest statement and as on XXXX/XXXX/XXXX have not received this document .Upon calling Ditech on XXXX/XXXX/XXXX inquiring on the XXXX XXXX I was told there was a delay in those statements printing. That 's not the issue, my issue is that the rep advised that my interest was {$390.00} for XXXX. There is no way possible that this is correct. I have been making a payment of {$550.00} for 12 months and after viewing my monthly statement dated XXXX/XXXX/XXXX the interest paid to date at that point was {$3500.00}. How do you go from {$3500.00} to {$390.00}? No one at this company has the knowledge of explaining this to me how this is possible. I was advised by XXXX a Manager and XXXX a Team Lead ( not sure what region or branch ) to fax something stating that I no longer receive assistance and my account would be coded correct and XXXX revised and sent to the IRS and myself. As requested I faxed a letter from The Montgomery Housing Authority on XXXX/XXXX/XXXX stating that the last subsidy payment was made XXXX/XXXX/XXXX. I have called a number of times since then and confirmed on XXXX/XXXX/XXXX that the letter along with a statement voiding the cease and desist be lifted so that contact can be made during this time so that I can have a update once my account has been updated. As of today, I have yet to receive a call from Ditech and when I called today the rep advised that a Supervisor advised there has n't been a decision made on my account. It 's not up to this company whether they decide to correct their wrong, I 'm demanding this be correct. This has to be against the law.I have also been advised because of this XXXX up on Ditech 's part my account was reported 30 days past due to the credit bureau because of the issues going on and the way my account tis coded. I make my payments by the close of business each month via online and have never been 30 days past due. My payment of {$550.00} is sitting in a unapplied account as we speak but Ditech drafted my account on XXXX/XXXX/XXXX. This needs to be corrected ASAP there is no more room for error with this company. The VP of the horrible company needs to be advised of the service that the company that he/she represent is presenting. My loan has been transferred 3 times and I have NEVER had any issues until now. I need my account coded correct because I do not receive assistance, I need my XXXX XXXX correct because I need to file taxes and would appreciate the correct information to give to my tax preparer. This has taken a toll of me emotionally and this is unacceptable on all levels. This is the final dispute I 'm filing, the next time Green Tree will be hearing from my attorney. I plan on suing this poor excuse of a company for all the little that they 're worth. This is fair to homeowners but I promise once my attorney is finished with them they 're going to wish they responded in a timely manner. Thanks