Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
To Whom it May Concern, Consider this document to be my a ) formal complaint against and b ) plea to CFPB for support in gaining restitution from the following two mortgage servicing companies -- DITECH FINANCIAL LLC ( at XXXX XXXX  XXXX, XXXX XXXX, SD XXXX and/or XXXX XXXX  XXXX, XXXX, AZ XXXX ) ( DF ) and ( XXXX XXXX ) /XXXX ( a XXXX Company at XXXX XXXX  XXXX, XXXX XXXX XXXX VA XXXX ) ( XXXX ) -- both of which breached their H.A.M.P. ( HAMP ) contract with me : 1 ) UPON DEMAND BEING MADE TO EACH OF DF AND XXXX, after each firm had received my formal written claim for the sum of {$720.00} ( due under that certain HAMP Borrower Incentive for Timely Payment Provision contained in HAMP document attached ), both DF and XXXX each refused to honor their contractual obligation contained in said HAMP document ( Contract ).

2 ) The HAMP Borrower Incentive for Timely Payment Provision giving rise to this complaint was originated by DF in XXXX. It offers Borrower a Timely Payment Incentive of $ XXXX/month for the purpose of reducing Borrowers mortgage balance upon pay-off. Borrowers payments were always timely after the Contract was entered with DF.

3 ) For calendar years XXXX  and XXXX   DF met its obligation under the Contract and subject loan which DF designated # XXXXreducing the principal balance each of years XXXX and XXXX by {$1000.00} per year ( i.e. 12 months/year times $ XXXX/month= $ XXXX/year ). 
4 ) During calendar year XXXX DF transferred its mortgage servicing benefits and obligations under the Contract to XXXX. 
5 ) Subsequently, on XX/XX/XXXX, XXXX loan # XXXX was paid off. 
6 ) The commensurate Borrower Incentive of {$720.00} which had accrued to Borrowers account up to and including XX/XX/XXXX for the calendar year XXXX ( i.e. XXXX Months -- XX/XX/XXXX to XX/XX/XXXX -- times $ XXXX/month ) was never applied to reduce the Loan Pay Off Demand which was generated by XXXX. 
7 ) Shortly before and after paying-off subject loan, having realized {$720.00} should have been but was not credited to my account upon payoff, I contacted DF and XXXX separately via phone & subsequently emailed each of them my Demand for {$720.00} plus all back-up information they requested. Thereafter Executives at DF and XXXX pointed fingers at each other as being the responsible party. XXXX claimed they had not known about the Contract upon assumption of servicing papers from DF and therefore could not be held responsible as a result. Finally each of DF and XXXX refused to reimburse my {$720.00} claim -- suggesting I contact The Federal Government for assistance and/or remuneration. 
8 ) PLEASE NOTE THE SUMMARY PAGE OF THE ATTACHED H.A.M.P AGREEMENT ADDRESSED TO ME, XXXX XXXX, WHICH CONTAINS THE BORROWER INCENTIVE CLAUSEthe subject of my complaint and plea to CFPB. 

Please review this situation at your earliest opportunity and advise me of action pending as a result.

Yours Truly, XXXX XXXX XXXX

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