Consumer complaint received 12/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to find a way to re-finance my home. My current loan is current but I have exhausted my resources because of an illness and I do n't have the money to pay my XXXX payment. I am XXXX and I became very sick around mid XXXX My sons have moved out on their own and my income has decreased. currently I make XXXX per month ssi. I contacted Hud several times over the past few years trying to get ahead of my income changing and was told to sit tight as I had the best rate available. Most currently XXXX XXXX .... Hud referred to a loan counselor over that time and none offered help as I was working with an already modified loan at 2 %. But my loan only fixed for 5 years which has since passed. Now the rate is going up every year by 1 %. It is currently at 3 % and moves to 4 % XXXX. The most recent effort to refinance or re-modify. I have met all terms of my Loan Mod. So I called Hud and was referred to another counselor to help with the servicer of my loan. Most recently XXXX. client id XXXX. XXXX XXXX XXXX. She took my financial information, and told me that because I had completed my loan mod payments on time that I should qualify for the principle reduction program. We made a conference call and while holding we were cut off. I have been trying to call the servicer for weeks now as well as the counselor ... and no one is calling me back. I want to keep my home as I am XXXX on a fixed income. I would not have enough money if I sell as rents are even higher than my mortgage. I do n't have anyone except a my XXXX sons who live in the same town to help me with my XXXX issues. There is NO affordable housing in my area. I was told by the housing counselor I had NO CHANCE of getting section 8. and there are no other alternatives for me but to sell my home which I owe XXXX and is worth about XXXX. I have lived here for almost XXXX. My son now would like to help me keep the house as well. But I cant get thru to XXXX. He makes about XXXX per month. My Servicer is Ditech my account number is XXXX and I was given the name XXXX XXXX XXXX along with a customer id XXXX. My original loan was with XXXX but they tranfered it to a company called Greentree, then Just a few months ago to Ditech. I have called all three for help. I have called and held for XXXX at Ditech many times ... at least XXXX, and have called springboard back to help me get thru. We were cut off and now they have not returned any of my phone calls. NO ONE is responding over weeks of frustration ignored messages and plain ol just letting me drown out here. Just to add ... XXXX forced me to sell my home of XXXX when I became XXXX ... .this was in XX/XX/XXXX during the crash. Because of the crash I lost XXXX of dollars on my home and most of my equity ... but I finally sold and moved here. It was bank owned and I was not informed of the many many MANY repairs that drained my savings account. I had not been notified of a special assessment on my Home owners association dues so they were XXXX dollars a month higher and I had health issues which cased great strain on my budget. 
My son has now become a XXXX. he has a steady income and wants to help me keep my home by participating either in a refinance..or simple contributions to the home to help me. He is a XXXX but he this is his home where he lives when he is not on base. I have been trying to talk to the bank about this as well as inquiring about the principle loan reduction program XXXX XXXX at XXXX said I qualify for. I have drained my savings entirely ... and I need help. Please feel free to call me.

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