Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL XXXX HOME XXXX E-MAIL XXXX To Whom it may Concern We are having difficulty getting funds form our mortgage company that our insurance company paid to us for damages to our home from hurricane Irma we have to this point sent them XXXX roughly and we have been sent XXXX to start the repairs which is there set amount to start the project.this does not meet our needs for the project to start. this process took almost a month. Every document I sent them including the checks were questioned in one way or another they have so many rules and policies set in place it is impossible to collect your money in a timely fashion and repair the damage to our home. I did not receive enough money to repair the home to our standards with contractors, so I will be doing the repairs myself which I am fully experienced to do .And I have explained to them many times that first and foremost we have no heat or a/c in the home and we are currently seeing temps in the 40s and that putting the roof on is done in a sequence with all the needed materials here at one time, we had damage to our siding and soffits and the fascia material it all needs to be replaced to do the repairs so they will last.We are now experiencing ants and other pests in a home were we never had this problem along with mold and mildew in windows and closed areas from the lack of ventalation.They are basicly saying they dont want me to spend the money on something else such as a sofa or new carpets, this is not possible as first off they make the checks payable to the various suppliers and want an inspection when the repairs are complete as does our insurance company.the lender in question is below DITECH FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX  SD XXXX XXXX XXXX OUR ACCT NUMBER IS XXXX Time line for the current issue XX/XX/XXXX overnighted 2 checks signed over to ditech XX/XX/XXXX ditech stated endorsement from other lender on check was no good had to prove who signed it even thought it was stamped by the lender when they signed itXX/XX/XXXX sent a check for XXXX to start work 30 % XX/XX/XXXX I requested info on checks and they said my estimates were all wrong and needed work such as store copy of the estimate e-mailed quotes would not work for them and had to have some ones name on it from the supplier they tell you different rules every time you ask for something XX/XX/XXXX sent in store copies with peoples names and contact info 4 total had to take time off from work to get them. 
XX/XX/XXXX I called and asked if there was any updates person on phone was rude and told me I needed to give them progress reports I then advised one more time that I had no heat and cold weather was coming to us and was told that it was being processed and could take 10-15 days to process I have not heard from them since and have sent several e-mails trying to explain our issues.each e-mail say it takes 3-5 days to respond??? I feel like I am getting no were with them and dont want this to drag out for no reason much less the risk of our safety/health and further damage to our home from not have proper roofing or siding in place. We are in real need of our HVAC system being replaced. 
Thank you XXXX XXXX

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