Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

My mortgage loan was discharged in bankruptcy several years ago but we continue to make payments and plan on staying in our home. In XXXX, XXXX XXXX sold our loan to Green Tree Servicing. We are able to make our monthly payment once per month, however, had to miss a payment many months ago due to an unexpected expense. We continue to make one payment per month but the payment being made is for a previous months payment ( i.e. pay XXXX payment in XXXX ). We hope to be able to come up with extra money to make two payments at one time but that has n't happened yet because my husband 's income was cut dramatically a couple of years ago so we 're just able to meet our monthly expenses with little to nothing left over. XXXX servicing was great about this. I spoke to them a couple of times and they were very helpful. However, once Green Tree took over it was totally different. The paperwork was the same with the standard notices and options being mailed to us but that is where the similarities end. I received a phone call at work from a rep at Green Tree Servicing which I could not believe. I 'd never been called at work by XXXX and understandably so, because our mortgage was discharged in bankrupty and I had communicated with XXXX our situation. I advised the rep I could not speak at the moment and would call back. I then called back when I could go somewhere to speak freely. When I called to explain our situation I could not believe my ears. The rep was abrasive and even said I was being non chalant about making payments and that how we were handling our account was not acceptable. Remember, our mortgage was discharged in bankrupty so GT is not even supposed to be trying to collect on the debt. She stated that was probably why XXXX sold our loan to GT ( yeah, right ). I explained to her our situation and that XXXX had all this information in our file but she said they have no information from XXXX regarding communications between them and me which makes no sense at all. I was so upset about the way I was being spoken to I asked to speak to the rep 's supervisor. He was no different and actually made a comment about how people in this country need to understand when they have a mortgage loan they are obligated to make their payments. Again, my mortgage was discharged in bankrupty and I explained we 're basically living on one income and I thought were doing pretty well considering. During that first conversation with the GT rep she stated she would remove my work number so they would not call me there but they have called me at work again. I do n't answer because I have caller ID and can tell it 's them by the number. They also call us at home several times per week during the day and in the evening. We have our ringer off and the calls go to voice mail but the number of times they call is ridiculous, especially since they know our situation and should not be trying to collect any money in the first place. I 'm in the XXXX and used to work in XXXX back in the XXXX so I understand how collections should work and what my rights are. What really gets me is I just read today, XXXX/XXXX/XXXX, how Green Tree just settled with the FTC and you, the CFPB over allegations they were engaged in illegal debt collection practices ( and other things ). I had thought about reporting my situation to you after this all happened but never did however when I read about the settlement I knew I had to share this with you because THEY ARE STILL DOING IT!!!! And, my mortgage was discharged in bankruptcy. I ca n't imagine how they treat folks whose mortgages are n't discharged but who are behind 1-2 payments. I no longer answer Green Tree 's calls and wo n't be calling them, that 's for sure, but wanted you to be aware they have not changed. Thank you.