Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

The Mortgage servicer that collects my monthy mortgage, illegally filed a Vacancy Liscence on my house when I was a month late paying my mortgage. They have been billing " me '' for the cost of the fraudulent Vacancy liscense. I never realized that the extra fee was on my monthly statement and when I noticed it I called mortgage servicer to ask what the fee was for. That is when I was told it was a fee for a Vacancy Liscense. My home was NEVER vacant and the servicers knew this because they CALLED ME EVERYDAY AND CALLED MY REFERENCES EVERYDAY. Needless to say they definitely spoke with me on a regular basis. This company even called me on XX/XX/2014 and I requested to speak with a Supervisor when they called on XXXX XXXX. I sat and discussed with him the discrepencies that were taking place when my servicer was switched from XXXX to this new servicer, Green Tree Servicing also calling themselves XXXX. Although they said I missed a payment, I had an unusually high amount of money in my escrow account at the end of the year? As this Supervisor pretended to understand the issue, I was told that all records had not been completely updating from obtaining them from XXXX. At this point, I had been with Green Tree for XXXX months and they still werent organized with paperwork and they REFUSED to place money being held in my escrow balance toward my mortgage! A few days later someone came out and tried to actually place A LOCK BOX on my door, until one of the children came to the door and asked what they were doing! If EVERYONE in that house had been locked in that house because of there bullying tactics, we could have All been set on fire. I had a contractor in my house during this time replacing a faulty heating unit as well. All lives were put in danger. After I then furiously called Green Tree Servicing, I was told that " the house looked empty because my lawn had too many toys scattered about the lawn and it looked upkept?? That seems like more of a reason to assume the house was NOT Vacant! I then got directions from Liscensing and Inspections on how to remove the ILLEGAL VACANCY LISCENSE. I took a day from work to sit downtown and get the issue corrected and Paid to have the Vacancy Liscense Removed. I have been asking the company to remove the fee from my monthy statement, they refuse to do so! On a monthy basis I DO NOT pay the fees in conjunction with this liscense nor do I pay the late fees associated with me not satisfying this monthly obligation so it is appearing that I am Not paying my mortgage which I am. I have written them letters for the last two months instead of calling since they refuse to remove the fees, I want everything on paper and documented which it now is. Now I NOTICE THAT ALL OF MY MONTHLY PAYMENTS ARE BEING HELD IN ESCROW/ OR UNAPPLIED FUNDS INSTEAD OF BEING APPLIED TO MY MORTGAGE. AT THIS POINT THEY ARE TRYING TO FORCE MY HOME INTO FORECLOSURE, UNDER THE PRESUMPTION THAT I WILL NOT COMPLAIN TO HIGHER ENTITIES. PLEASE HELP IN A HURRY! Too many violations have been committed here from them calling everyday yelling at my mom and I, the attempt to place a lockbox on the door, the illegal vacancy liscense and I was trying to obtain insurance from XXXX then XXXX XXXX and denied from both because of the vacancy liscense. That forces me to keep their PLACED INSURANCE. When does the underhanded bullying stop??