Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Green Tree Servicing LLC has taken so long in processing the short sale of my property that I 've had XXXX buyers walk away from their contracts which they 're allowed to do after a set amount of time. Greentree has several departments ( Customer Service, Foreclosure, and Loss Mitigation ) that were interfacing with me, but not with one another. I completed all the required documentation and forms and provided all the requested info to pursue the short sale. All this stuff was submitted to Greentree via my attorney who was authorized to represent me. Greentree continued to pursue the foreclosure process and they continued to contact me about not making mortgage payments. The folks that my attorney were working with seem to be the only ones that knew what was going on. I continued to receive letters assigning me new customer account reps as well as letters stating that they need more info. I sent every XXXX of these letters to my attorney and my attorney assured me that she was talking with the loss mitigation department XXXX times a week and they said they had everything they needed. I received XXXX or more letters stating that my short sale request was declined. XXXX of them was when all the info was already reviewed and submitted XXXX for review. Why would I receive a letter stating that my request for a short sale was denied due to no response from the seller 's agent when the packet was already completed and submitted to XXXX for review? I have a mountain of documentation from Greentree that I 've been collecting since XXXX of 2014 with all the communications that show they were pursuing foreclosure and the short sale at the same time a third department was continuing to ask me for my mortgage payments. The few times I contacted my assigned customer account rep they did n't even know what was going on with my account. I had to tell them to look in the computer to see what it says for my account. And then they acknowledged that my attorney 's name and my real estate agent 's name was in the computer and that I 'm pursuing a short sale. They would automatically call me to harass me for money without even looking at the account info to see that I was pursuing a short sale. Last week I received a complete packet from Greentree with options for staying in my home or leaving my home and avoiding foreclosure. I have n't been in my home for the past year and a half and I 've been working with Greentree for the past year or more and this packet they just sent me is starting the process from the beginning like they have n't been working with me. I 'm stuck in an endless loop with Greentree. I do n't understand why this type of behavior is legal. I pursued the short sale due to personal and financial hardship, but at this point it seems obvious to me that the short sale is never going to happen because Greentree 's internal departments continue to crash into XXXX another and I 'm suffering the consequences. My house should have been sold before the end of 2014. I 'm convinced that nothing I do or give them will move the process to completion. The house has been on the market for almost a year and a half and if I am lucky enough to find a third buyer, I have no confidence that Greentree will be able to process the short sale to completion. At this point Greentree needs to take ownership of this house via deed in lieu of foreclosure so I can get on with my life.

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