Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: FL

Complaint narrative:
XX/XX/2018 TO : Ditech Financial llc XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX From : XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : On XX/XX/2018 I sent a letter explaining all my payments that has been paid to you with detail. 
I have received letter from you that as per your records shows that my payment are in default and late, this must be a mistake. 

On around XX/XX/2018, I went to pay my taxes and they had told me it was already paid by Ditech, which there is no paper that say that you can pay without me being notified. I never requested, Ditech to pay for parcel # XXXX for property located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in the amount {$5000.00} ; this amount was paid back and returned to Ditech on XX/XX/2018 with check # XXXX. 

After this occur I realized that all my payment were not being applied To my account correctly, I saw my bill and now suddenly I have and escrow account that I did not request or open, I urge you that this account should be closed and money be sent back to my principal account, to be applied correctly accordingly you have applied my mortgage PAYMENTS INCORRECTLY AND THIS HAS MADE MY ACCOUNT TO BE DELIQUENT. 

ON THE MONTH OF XX/XX/2018, I WENT TO THE XXXX XXXX TO PAY TAXES ON OTHER PROPERTY I CURRENTLY HAVE AND THEN AGAIN I was told that it was paid again and applied to my other property Parcel # XXXX that belongs to another property house @ XXXX XXXX XXXX XXXX XXXX FL XXXX, 1st of all this property is not financed through your company and shouldnt have been paid by you, this has been a confusion and it has led my account to be delinquency, because of your mistake, so I request for you to investigate that this has brought my account into a disaster, therefore back on XX/XX/2018 I sent another check to Ditech check # XXXX amount of {$5400.00} to cure this amount that was paid incorrectly by Ditech with a different parcel #. 

I urge you to back it up and realized that your Ditech, supervisor or a professional that has been assigned to my account to correct this will correct this mistake by your department, To cancel my escrow account, and return money to be applied to my monthly payments, and to remove this delinquency that has been reported incorrectly by you, in my credit, I urge you to correct this at soon as possible because this is extremely hurting my credit, I am a Business man and I pay all my bills ahead of time, and as you show in my records you have been getting 3 payment in advance to be apply for My principal and taxes, therefore all this tax issue that your company has paid has mess up the status of my account, I have authorized my representative Ms. XXXX XXXX to speak and discuss this matter with you, to get this issue resolve at soon as possible You may contact her @ XXXX XXXX, to discuss further more. 
Also please note that a letter was certified was sent to you on XX/XX/2018 signed by XXXX XXXX  and it was also sent by fax and until todays date there is no respond by your company. 

After all this gets cleared and corrected, please send me the payoff amount, I can not remain making business with a finance Company that could not accept me or look at me as a good satisfied customer, at this moment I believe that you had made a big mistake and may keep on making mistake in the future and I am a serious business man, to be getting frustrated for your bad decisions, I will not recommend your finance Company to any one, due to your bad communication and the bad service I get provided when I call. 
I urge you that I supposedly dont have the time to wait 30 days for your decision, this could be nicely escalated with my attorney, if you delay this in bad faith, I will not tolerate this delinquency in my account I dont have time to be on the phone waiting to speak to your representatives that sounds like computers when they talk and dont have the answers to my questions. 

I need the correct person handling my account to call me and take this account into consideration seriously to correct all the facts that were explained in this letter. 


Sincerely yours, XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation