Consumer complaint received 2015-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree again has and continues to violate certain RESPA laws surrounding the servicing and collections practices of my particuliar loan with them and maybe others. I am disputing the response they gave to my compliant below last year. As i have a doucumented letter stating and showing from my understanding to be A ERROR RESOULTON AND iNFORMATION REQUEST PROVISION OF THE MORTGAGE SERVICING RULES. ( 1024.359 ( a ) and ( 1024.369 ( a ) the letter indicates a unpaid principle balance error, amount paid to principal errors, amount paid to interest, amount paid to principal and interest errors, AMOUNT PAID TO ESCROW AND DISBURSED FROM ESCROW ERRORS. The letter shows payment reversals of XXXX principale and interest payments and XXXX other payments made to the account all dated XXXX, the letter also shows payment reversals dated XXXX and XXXX,. i spoke with my representative and she nor her supervisor or any one i spoke to could make sense of this. The peculiar reality about the math or speculative voodo math used is that while it may be performed without the intetion of being appied, the rigorous deductive resoning is abandoned, degraded and disreaged, or forgotten, resulting in only a mind numbering erntertainment excerise. I have attached the for proof of my compliant the letter sent to me on XXXX to dispute their response to my 1st compliant submitted XXXX XXXX. Green Tree has in my research and understanding of the CFPB rules and regulations has violated certain RESPA laws surrounding the servicing and collections practices. The Act of Interplay between the servicing rules, bankruptcy code, and the Fair Debt collection Practices ) : Communications with me as the Borrower under the Early Intervention Rule.the interplay between certain of the XX/XX/XXXX RESPA and TILA Servicing Final Rules and the Fair Debt Collection Practices Act. Error Resolution, Information Requests, and Loss Mitigation RulesXXXX. I have attached documentation from XXXX whom i started my loan modification with and was approved and while making and completing my trail period payments my loan was transferred to Green tree which they do n't seem to want to adhere to the disclosed approved loan mod they gave after 6 months of waiting for them to approve it. During this time the communication regarding the set monthly payment amount by XXXX was challenged by Green tree as they did not want to honor the agreed amount set by XXXX. From this point i have been in a constant battle with them to do the right thing by keep the agreed loan modification agreement sent and approved by both XXXX and Green Tree, dated as of XXXX XXXX XXXX i am now receiving threatening letters of notice of Default when my loan was current. Per the agreement in the summary it summarizes the New Principal Balance, any past due amounts including escrows will be added to the balance, INTEREST RATE, DEFERRAL OF PRINCIPAL, PRINCIPAL FORGIVENESS, ESCROW SHORTAGE, PAYMENT SCHEDULE, AND FEES. In conclusion, Green tree states that i owe a balance due to fees which the agreement states their are no fee or other charges for this modification, thee escrow shortage clause states that at the time they were aware of a shortage and that the shortage may be paid over a 5 year period and payment has been include in the monthly escrow as of the date of the agreement XX/XX/XXXX. 
Your help and attention to this matter is greatly appreciated my contact phone number is XXXX thanks again!

Company response to consumer: Closed with explanation