Consumer complaint received 11/15/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (AZ).
Issue: Trouble during payment process

Complaint: Account number XXXX XXXX and XXXX XXXX Complaint filed with the Consumer Financial Protection Agency New questions and follow up questions from first response. 

According to your letter, we and you show a 40 year modification was done in XX/XX/XXXX in your system but the credit reporting agencies are incorrectly showing a 49 year loan. Please send the big three credit reporting agencies the corrected information. 

Also, see page one of the transaction history under payment history where it says that the total payment due each month is {$2000.00}. Why was our payment each month from inception {$2000.00}? Why the {$33.00} difference? 

This email letter along with the transaction history from XXXX is in regards to your response dated XX/XX/XXXX. You needed dates of the $ XXXX fees that were eventually placed into Uncollected interest. And I have several new questions about fees charged and paid. Please send all The late charges of {$91.00} paid on XX/XX/XXXX was put towards Uncollected interest. Please see late charge dated XX/XX/XXXX was put towards Uncollected interest. Again on XX/XX/XXXX another {$91.00} late fee was put down as a late fee but on XX/XX/XXXX it was applied to Uncollected interest. On XX/XX/XXXX and forward dated on XX/XX/XXXX another {$91.00} late fee was put in Uncollected interest. On XX/XX/XXXX and forward dated to XX/XX/XXXX a doubled late fee of {$180.00} was applied to Uncollected interest. And again a double late fees of {$180.00} which was forward dated XX/XX/XXXX was applied to Uncollected interest. On XX/XX/XXXX another late fee was paid for {$180.00} and put towards Uncollected intetest. 
On XX/XX/XXXX forward dated XX/XX/XXXX I paid the late fee of {$91.00} then was posted to Uncollected interest on XX/XX/XXXX forward dated XX/XX/XXXX. On XX/XX/XXXX the late fee was posted to Uncollected interest again. XX/XX/XXXX and forward dated XX/XX/XXXX I paid another late fee. On XX/XX/XXXX a late fee was paid {$91.00}. I have run out of XXXX transaction history forward so I cant see if these late fees paid were put into Uncollected interest. 

Late fees are paid for one thing ... late fees not Uncollected interest. I want a full refund of all these late fees and any going forward that I dont have the transaction history to show how these late fees were handled. I ask for interest on the amount as well. 

On XX/XX/XXXX there is a misc receipt of {$720.00} then it was reversed, transferred to movement transaction. What was this payment and where did it end up? A movement transaction is not a holding account or was it used as a holding account? Please explain where it shows the money ended up. 

Again, On XX/XX/XXXX there is a reversal of {$970.00} then it was moved to a movement transaction and it just disappears with no further posting into an account. What was that money used for and where did it come from? 

On XX/XX/XXXX there is a fee charged for {$16.00} and it was paid on XX/XX/XXXX. What is this fee for because we hadnt been required to make a payment yet until the XX/XX/XXXX. It doesnt jive with a check being sent back to us of {$50000.00} they claim to have sent on XX/XX/XXXX. 

Again on XX/XX/XXXX a fee was billed for {$12.00} and it was paid on XX/XX/XXXX. What was this fee for? 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was billed a {$5.00} fee and it was pd on the same day. These transactions were forward dated to XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. What were these fees for? 

On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I was billed a fee of {$7.00} and they were forward dated and paid on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. What are these fees for? 

On XX/XX/XXXX there is a credit of {$30.00} listed under escrow distribution but the money was posted to the opt bal. what is the opt bal and where did my credit go? 

I want all theses fees returned with interest as well as returning to me the reversals of {$970.00} and {$720.00} listed on the transaction history and referenced above in this letter. 

Where on the XXXX transaction history does it show where my initial taxes, hoa fees, assessments, etc that was charged to us and paid at closing when we took the loan out in XX/XX/XXXX? These fees and charges should be listed in the beginning balances. Should they not? 

Also, when we took out the loan we paid points of {$2900.00} but XXXX sent out our amount of interest paid form for the IRS and on that form it had a box for points paid by us as a tax write off. XXXX left the points paid box blank. I would like a correction from XXXX so that I can refile my taxes. 


https : //ditechcs.sharefile.comXXXX XXXX XXXX XXXX  Thanks, XXXX XXXX Sent from my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation