Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Green tree is the holder of our mortgage loan. They have engaged in fraud and illegal conduct and have attempted to auction our home, even though we were in good standing through an approved loan modification. We have tried on multiple occasions to get some type of explanation or understanding or transparency from Green tree but have made no progress. We have copies of our approved modification ; proofs of all payments made, and understand the terms. However, when our loan was transferred from XXXX to Green tree they bluntly stated that they would not honor this modification that we had paid on for more than a year and that they were raising our payment nearly {$600.00} a month. Since that time we have been fighting to get answers and save our home but have made no progress. Green tree has not reviewed us for options to resolve this issue ; they have not assigned a contact to work on our case and have never given us any explanation as to how and why this has happened. I want to file a formal complaint against Green Tree. 

We have owned our home for XXXX plus years and refinanced in XX/XX/XXXX through XXXX so that we could remodel the kitchen and lower our monthly payment. We were a bit suspicious when the people at XXXX said that they did not want to put my husband on the mortgage loan, even though he was the only XXXX working at the time. I do n't know how they were able to make this work, how I, who was not employed at that time, was the sole borrower on this loan and how it made it through quality control at XXXX. They told us not to worry about it ; they knew what they were doing. 
My husband had worked at XXXX for 23 years when the owner of the dealership passed away and new management was brought in and they laid off all XXXX. My husband was able to find work at other XXXX due to his experience, but the financial crisis was rolling at that time and not many XXXX were getting sold so his income dropped significantly. This resulted in us defaulting on the mortgage payment. 

We began dealing with XXXX regarding this issue and after a lengthy process were approved for a modification that required us to make a lump sum payment of {$33000.00}, and make payments of {$1200.00} a month with an interest rate of 2 %. XXXX deferred {$180000.00} of the principal balance in order to make the payment work for our income. The payment was to be fixed until XXXX XXXX, XX/XX/XXXX at which time it would increase about {$100.00}. We paid as agreed on this modification through the trial period and it became permanent. The court filed paperwork dismissing our foreclosure and we made our payments for over XXXX year with no issue. 

Then the loan got transferred to Green tree. We were informed that our modification agreement would no longer be honored, and that our new modified payment would be {$1800.00} a month. No explanation was given, no paperwork detailing why or how the new modification would work. We tried repeatedly to call in and get answers but Green tree was very deceptive and elusive. We do n't understand how or why this happened. Apparently, no one at Green tree can tell us. We talk to a different person every time we call in. We are given a different story every time we call in. Green tree would not review us for any options or alternatives, they would not assign a dedicated contact they would not work with us in any manner whatsoever. Not only that, but after they moved us into foreclosure their agents LIED to us about the date of our foreclosure sale.

Company response to consumer: Closed with explanation