Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I am submitting this complaint because the mortgage company, Ditech, that is the current holder of the mortgage on my house says that I am behind on at least XXXX payments. 
I filed Chapter XXXX Bankruptcy in XXXX, XXXX, as I was behind on my mortgage, as well as on some other bills. At the time I filed the Chapter XXXX, XXXX XXXX XXXX was the mortgage holder, it transferred to Greentree Servicing, then to Ditech Mortgage. 
The Chapter XXXX Trustee paid a total of {$58000.00} to both XXXX and to Greentree on the mortgage arrearages. I have paid all payments since the filing of the Chapter XXXX. When I had completed the bankruptcy, in XXXX, Ditech said that I was behind XXXX payments. 
XXXX payments. I gave them copies of the last XXXX payments that I had made. 
Ditech said they had received those payments. I then created a spreadsheet showing a all of the payments that I made since the filing of the Chapter XXXX. After their review of my information they said the payments that were missing were from XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I provided copies of the missing checks to their local attorneys, XXXX XXXX. At that point they said that I had underpaid some of the payments and that I owed Ditech approximately {$830.00}. I then gave the an updated spreadsheet showing that I had paid the amounts that were on the bills that I had received, and that I had actually overpaid by about the same amount. 
At the point the bankruptcy was concluded, and I thought that all payments had been properly accounted for. In XXXX, I requested an Escrow Analysis to ensure that there was sufficient funds in the Escrow Account as my Homeowners Insurance had recently increased as well as the Property Taxes. The Escrow Analysis show that I have approximately {$3200.00} in excess funds. They said a check would be sent for the excess in about XXXX to 6 weeks. After that period went by, I contacted Ditech to find out when the check would be sent. At that point, they informed me that I was three months behind on my mortgage payments. I sent them all the information that I had previously sent to their Attorneys. They told me it would take about 30 days to do their investigation. At the end of XXXX, I received a letter from them stating that I still owe them three months of payments. On XXXX XXXX, I contacted Atty. XXXX XXXX from XXXX XXXX who had handled the information back in XXXX. 
She was going to contact Ditech to find out what was happening. She has not got back in touch with me. At this point, I need to have make sure that all of the payments that I have made have been properly credited. I have been requesting full access to all the features of the website, due to the bankruptcy I was not able to use them, but now that the bankruptcy is over, they have not given me full access. I also would like to receive the check for the excess escrow balance.

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