Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XXXX, XXXX your office assisted me in a very horrible experience with XXXX XXXX XXXX and the mortgage crisis that happened during this horrible time. I was a victim of this horrible fraud by the mortgage lenders and after a long two year battle, I successfully modified my loan, in XXXX, XXXX. I though that my nightmare which severely impacted my life was over. I guess even with {$63.00} XXXX dollar fines, this practice is rearing it 's ugly head once again and I need help. XXXX XXXX XXXX sold my loan to Greentree Servicing who is now called Ditech. I was a XXXX, Greentree now Ditech customer. Because of my loan modification it clearly states if I have any delinquent payments the agreement can become null and voided and obviously I would be in foreclosure and possibly lose my home which is a fear I will never forget. I have lived in my home 31 years, raised all my children here and now grandchildren. The emotional distress this is causing me is insurmountably hard, I have sleepless nights. 

I made my regular payment, as I have always done but noticed my payment was not applied. I contacted Ditech immediately to have this corrected. Ditech informed me that due to their new " system '' my auto pay was cancelled and never notified me that in writing. I IMMEDIATELY made a payment over the phone on XXXX/XXXX/XXXX for the XXXX payment, and their rep XXXX XXXX from the XXXX, NC office MISAPPLIED my payment to principle instead of my house payment. So you understand how serious this is to me as I have XXXX trust in the bank, I schedule my auto pay on the XXXX of each month in order for me to babysit the process and give them enough time to mess up so it 's not close to the final due date. I have been calling daily to have the payment reallocated from principal to house payment and backdated to the date it was paid to no avail. It has been 8 business days. They continue to tell me my payment will be applied, but again I do not believe them and feel that this nightmare is starting once again! I have an extensive phone long and recorded my calls to them as they will not give me anything in writing that shows I did make my payment on time and it will be backdated and reallocated properly. I have spoken to 8 supervisors who make empty promises and it is my fear that this will fall through the cracks, just like what XXXX XXXX XXXX did, say they are missing a payment and threaten foreclosure. 

I 'm not surprised that they will not put any of these conversations or complaints in writing. I sent them a written demand to investigate this but again, due to lack of trust and reading that this mortgage services IS STILL PRACTICING UNETHICALLY I am reaching out for your assistance. 

Thank you for any help you can offer. My fear is that this housing crisis that I lived through is slowly coming back. The internet has hundreds of recent stories that mortgage service companies such as Ditech as still doing this unethical practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief