Consumer complaint received 2015-05-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

Due to medical I got a second mortgage on my home in 2006 with XXXX dba as DItech. Because of the low equity, and the amount of time I was in the home I did not qualify for any other loans. Although I did non need XXXX XXXX would only due the loan if I would let them pay off my car loans and all revolving credit balances which was around XXXX. Because it was an 125 % LTV loan I had to pay 12.25 % interest rate. I was assured by the XXXX rep that I would by able to refinance in a couple of years to a traditional loan with a lower rate after my home had built some equity. Over the next few years the housing market went down, our medical issue 's got worse, my wife lost her job and we lost our health insurance. We were unable to get other health insurance to to " pre-existing conditions '' and the cost. During that time XXXX sold our loan to GREEN TREE SERVICING. After the toke over the loan it turned into a nightmare. When I reached out to them numerous times for help. I was told so many different stories and lies by the company I ca n't even come close to remembering them all. I was told there were no government programs for my loan, I was told it was illegal for them to modify the loan, I was told that GTS now owns this loan and not XXXX and they would not modify the loan or even subordinate it so I could get a lower rate on my first mortgage. THey called my multiple times daily, even if I was late or not. Me and my wife both had to have our phones disconnected to stop the harassment. The called my employer, my wife 's employer and my former employer multiple times a day. Day after day. Even when I told them I had taken a second job at night and slept late they would call me at XXXX and XXXX and not ever say anything, just breath or giggle over the phone. To make things worse I received a letter telling me my first loan was going to be " serviced '' by GTS now. I received the same type of treatment after GTS took over my first loan. They tried to change my due date. Charge all kind of service fee 's. To " see if the home was still occupied '' along with quick pay fees for paying my bill. If i set up a online payment through my bank the would not accept an ach payment so my bank would have to cut a actual check that would take 6-8 days to clear. Just last month they tried to force my into buying insurance for my second loan when I know i was n't required to. After running out of options on how to deal with this company I wrote a complaint to the better business bureau the sent me a packet with a contact number and extension for a person that in the letter I could speak to about help. When I called GTS that person did not work for the company and no one had ever heard of them and the extension was dead. I was handed over to " XXXX '' who I was told was my account rep. XXXX told me I would be given a lower rate and they would never ever subordinate this loan and If i had a problem with that just let the house go into foreclosure. He then hung up on me and told me it was in my best interest never to call back.