Consumer complaint received 09/26/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am appallingly concerned about how the mortgage servicer has handled my account since they have been the overseer and am requesting an investigation of my mortgage account and how my payments ( principle, interest and escrow ) have been applied since XX/XX/XXXX when I believe there was an accounting error that initially forced me into foreclosure. I was awarded a HAMP modification in XX/XX/XXXX where terms were established which I complied to, for them to increase my payment by {$500.00} monthly after 14 months of payments stating it was the increase of escrow that had not been disclosed during the underwriting process or prior to the trial period or permanent modification. I contacted my township for them to tell me there had been no increase that year on property taxes. The increase in my homeowners insurance did not substantiate the $ XXXX/monthly increase they applied. Now that I am back in foreclosure due to the hardship of a fire and also the payment increase they claim is due to a rise in escrow, I would like my account investigated to prove this is true. They claim I defaulted on their adjusted terms that were not the terms I agreed to and signed which has since caused me to be ineligible for another HAMP review and qualification. Now I am again trying to see if there are any unspoken underlying cost factors that could come out after the trial period or permanent modification that would land me back in the same predicament as before, now being offered another modification? My mortgage has again been taken over by another servicer whom I was not notified about and I have concerns about whether they are legitimately able to foreclose? I would also like to request the servicer prove they hold the original mortgage Note to be able to foreclose on my property. Since the servicing company prior to this takeover, my mortgage has been a nightmare and I believe deep in my heart that there have been undisclosed errors that are unfair and falling on me. I think this is a gross misconduct and I need to know that I am not being taken advantage of. I want to keep my home and if this is a legitimate offer that they can not or will not impose a significant increase upon completion of the trial period and permanent modification and the numbers are accurate, I would be more than happy to agree to it. It just appears the servicer is preying on struggling homeowners like myself to force them out of their properties and I want to satisfy my conscious to make an educated and informed decision when possibly entering into this modification agreement. If it is found they have fault in the servicing of my loan or are not the original Note holder, justification for me would be to reverse the foreclosure and correct the numbers to provide an accurate account of what I actually owe so I can live my life without the fear of foreclosure unless deemed necessary by my fault, not theirs.

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