Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX had a loss of income when his XXXX slowed down dramatically. After that he made mortgage payments from savings, hoping his income would recover until he found himself having to take on the role of taking care of his grandson which took a toll on his savings causing him to fall behind. Also, due to medical issues which include : XXXX issues ( that stem from XXXX ), and XXXX due to XXXX XXXX. His wife had to take a considerable amount of time away from work to provide care as needed for XXXX XXXX. Not to mention his XXXX son lives with him. XXXX XXXX is usually the XXXX for him during most of the day, but when XXXX XXXX was was ill he was not able to do as much as necessary. XXXX XXXX is showing signs of improvement in his health issues, and has gotten his financial situation under control. He and his family just had some setbacks and look forward to being on track again paying their mortgage once modified. Please help them overcome this set back. Their home is everything to them. Since this hardship that XXXX and XXXX XXXX endured his business has picked up and his income increased. He now has the adequate income to afford his mortgage. He has had previous modifications in the past, which he has defaulted on due to the circumstances above. On XXXX XXXX, XXXX XXXX XXXX received a letter form Greentree stating that the XXXX qualified for the Department of Justice Settlement and could reapply for another modification due to that settlement. The XXXX 's applied multiple times and was denied every time because the lender would claim documents were needed or missing. The XXXX 's are asking for XXXX more opportunity to keep their home under this particular settlement. 




LOAN MOD RUN-AROUND, DENIAL OF INFORMAION, AND LIES ABOUT AVAILABLE OPTIONS XXXX/XXXX/XXXX Client called, stated he received a certified letter stating he has a SALE DATE of XXXX/XXXX/XXXX. ***Told him we would do an analytical report, and update P & L , paystubs, and XXXX most recent bank statement. 
XXXX/XXXX/XXXX spoke to XXXX ( XXXX ) / GreenTree Tentative Sale date of XXXX/XXXX/XXXX XXXX/XXXX/XXXX Spoke with XXXX ( XXXX ), never been modified before with Ditech. 
XXXX/XXXX/XXXX Spoke to lender/XXXX ( ID # XXXX ) SALE DATE XXXX/XXXX/XXXX MODIFICATION DENIED due to debt to income ratio is less than XXXX %, Tried for HAMP TIER 1 : denied die to previous modification, HAMP TIER 2 : NPV Test Failed. I asked if we could appeal, she said yes. 
XXXX/XXXX/XXXX Fax Transmission Results Here are the results of the XXXX-page fax you sent from your phone number ( XXXX ) XXXX : Name Phone Number Date and Time Result XXXX ( XXXX ) XXXX Tuesday, XXXX XXXX, XXXX at XXXX Sent Your fax ( es ) included the following file ( s ), which were rendered into fax format for transmission : File Name Result XXXX HR letter req from lender, YtoD, payroll docs, XXXX, XXXX XXXX Success XXXX/XXXX/XXXX Refaxed HR letter lender requested with Year to dates explanation, the XXXX, and XXXX payroll, XXXX 's paystubs. XXXX XXXX/XXXX/XXXX Fax Transmission Results Here are the results of the XXXX-page fax you sent from your phone number ( XXXX ) XXXX : Name Phone Number Date and Time Result XXXX ( XXXX ) XXXX Tuesday, XXXX XXXX, XXXX at XXXX Sent Your fax ( es ) included the following file ( s ), which were rendered into fax format for transmission : File Name Result XXXX HR Letter re year to date.pdf Success XXXX/XXXX/XXXX Spoke to XXXX XXXX who spoke to XXXX and he said he Needs correct Year to Date on paystubs. explained it was sent on XX/XX/XXXX but they said it did n't add up. SO They are requesting a written letter from HR stating they can not change the year to date, need Verification of Employment, start date, Year to Date gross for XX/XX/XXXX and th

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