Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
In XXXX, a foreclosure proceeding was brought against me by XXXX XXXX XXXX under Index # XXXX in XXXX XXXX, New York State Supreme Court. On XXXX/XXXX/XXXX, I received a letter from the attorneys for XXXX XXXX XXXX f/k/a XXXX. informing me that I may be entitled to {$20000.00} if I agreed to a " deed in lieu ''. On XXXX XXXX, XXXX, I asked my free union legal services attorney to let XXXX XXXX XXXX know that I was interested in accepting that offer. I never received a reply to the XXXX XXXX, XXXX letter. During the litigation, I received a letter from XXXX and I sent a fax notifying XXXX that there was a title problem with my mortgage. All the foreclosure papers and mortgage documents mention house # XXXX but XXXX has no such house number and all the letters that I receive from XXXX indicate that I am the owner of house # XXXX. The building consists of XXXX ( XXXX ) attached XXXX ( XXXX ) family homes that are " connected ''. I own only XXXX ( XXXX ) of the connected homes. My neighbor who owns # XXXX discovered he really owns # XXXX not # XXXX. The foreclosure action brought by XXXX XXXX XXXX was discontinued on in XXXX XXXX. On XXXX/XXXX/XXXX, a new foreclosure action was commenced by Green Tree Servicing, LLC. I have been denied multiply loan modifications. One of the issues is that the appraisal being used for my home value, appears to be an appraisal of both house # XXXX and # XXXX making the house appear to be worth more than it really is. Even more confusing is that Green Tree has sent to me two ( 2 ) letters denying my loan modification. One letter dated XXXX/XXXX/XXXX and the second dated XXXX/XXXX/XXXX. The house value on both letters is different. I am not qualifying for the loan modification because the loan to value is not a true reflection of reality. I am a XXXX ( XXXX ) year old, single, XXXX woman who works for the XXXX. I borrowed {$460000.00} in XXXX XXXX to buy this home. I XXXX at work in XXXX, I was out of work on Workers ' Compensation and in XXXX I had surgery. The first foreclosure action was pending against me for four ( 4 ) years with no activity whatsoever by the lender. The interest ballooned to an amount that has brought the loan balance to over {$710000.00}. No matter how much income I earn through work and rental, it is not enough to qualify me for a {$710000.00} mortgage. Green Tree has put an artificially high value on the home or they are valuing the home connected to my own in reaching the various market values. 
On the denial letter dated XXXX/XXXX/XXXX, Green Tree values my home at {$720000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1200.00}. Then in a letter dated XXXX/XXXX/XXXX ( one day later ) Green Tree values my home at {$700000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1.00}, XXXX. Both proposed modification amounts I can afford with my current income. Yet, I have been denied a modification.

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