Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I have paid the same default 3 times. I received the mortgage through divorce. I have sent Ditech my divorce decree, and the Quit claim deed. This company refuses to acknowledge my rights which are the owner of the home. I have been the responsible party of paying this mortgage since I separated from my ex since XX/XX/XXXX. 

1st Time -- On XX/XX/XXXX ( I was two months behind on mortgage payment ), I cured a default of {$4000.00}. I submitted an entire payment of {$4700.00} to cure default. Ditech did not allocate money correctly. I submitted a Notice of Error and this company refused to allocate payments correctly which were described in the Default letter. Sent my ex-husband an escrow surplus check of {$1500.00} knowing the default was not cleared. The first time I paid these fees I compiled payments which consisted of 3 money orders, and XXXX XXXX. I kept copies of all payments sent to Ditech, as well as, post office certified mail receipts. 

2nd Time -- On XX/XX/XXXX, Ditech sent another cure default letter for the same default out ( 2 months behind on mortgage payment ) for the amount of {$2300.00}. This amount shows clearly the default was not allocated correctly. Ditech put majority of the money in escrow. I submitted a payment of {$2800.00} to clear the same default and Ditech refused again to allocate money correctly. This time I submitted a complaint and Ditech paid on my default and left a balance of {$350.00} -- Corporate Advance Balance, {$130.00} Uncollected NSF Fees, and {$20.00} -- Other Fees. The second time I paid these fees I specified through individual money orders on how all money should have been applied for all fees. When I noticed the money was not applied correctly again, I called Ditech and the representative stated the money would be applied correctly and it never was. I kept copies of all payments sent to Ditech, as well as, post office certified mail receipts. Ditech sent an email stating the money was applied for the XX/XX/XXXX mortgage payment. Ditech still disregarded all labeled XXXX XXXX for cure default fees. 

3rd Time -- On XX/XX/XXXX, Ditech sent another cure default letter for the same default out ( 2 months behind on mortgage payment ) for the amount of {$1500.00} As of today, XX/XX/XXXX, I sent Ditech {$1500.00} to cure the default this company will not pay correctly. The third time I paid these fees I through XXXX XXXX, and specified through individual money orders on how all money should have been applied for all fees. I paid Ditech {$1500.00} -- XXXX XXXX, 3 XXXX XXXX -- XXXX ( Late fees ) each, Uncollected NSF Fees -- {$150.00} ( {$20.00} extra by error ) -- Same fees from last time, Other Fees -- {$20.00} -- Same fees as last time, and Corporate Advance Balance -- {$350.00} -- Same fees as last time. My date for right to cure default is XX/XX/XXXX. 

When the money is received by Ditech, I will owe for XX/XX/XXXX mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation