Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
XX/XX/2007 I claimed bankruptcy due to a bad business decision and the fall of the economy. All of my life savings went down the tubes as well as a 20 year marriage. The only thing I had left was my home and the equity in it. As you can imagine this was a bit XXXX..To make a long story short my mortgage was takin over by greentree. From this moment on its been a nitemare.. They hassled me morning noon and nite. Only excepting payments thru this service in which I had to pay {$12.00} extra to use also attemted to take unauthorized payment withdrawls from my account. This caused many overdraft charges. I filed the proper paperwork for modification and was finally approved after at least XXXX phone calls and at least as many fax attempts. When I sent a fax I got a confirmation that it was recieved but greentree said no way so I had to resend again ... This process took months..Well by nobodys fault but my own I fell behind again due to a divorce and only XXXX income.. This time greentree had been changed to ditech financial and I was told by there representatives that Ditech was the new company taking over my accounts. What an outrite lie.. This time the experience was even worse.. I faxed so many times the same documents I ran my printer out of ink. I was told different stories by every other representative that took my call. One said they were having issues with incoming faxes and that department was being revamped.. Another lie.. During this process I was forced to be away from my home for months at a time as employment was scarce. I returned home one day to find a company called safegaurd property preservation had broken the locks off my home with a channel lock, left the destroyed locks laying on the floor in front of me and put a lockbox on the door..I immediately contacted these misfits and they gave me the lockbox code. I also told them that I never moved out and they agreed to leave my home alone..Safegaurd had made repairs to my home that were ridiculously uneeded, for instance, the exterior dryer vent was replaced. This was brand new and to my knowledge they dont wear out..They also removed anything that they thought that had value. Missing was a leather couch, change in a jar ( about {$25.00} ), pictures off the wall, pots and pans, expensive cutting knifes from the kitchen and a snowmobile out of the yard. A few weeks later I came home from work to find the locks were all changed again. They had attempted to make it harder to gain entry this time. I had to slide under the garage door and break down the entry door to the house. When I called XXXX they apologized for the confusion and agreed to pay for a new door and the missing items including the snowmobile.. After 6 months of phone calls I agreed to a measly {$600.00} refund for the door and was told I should have made a police report on the sled. I was pretty upset at this stage because its tough to make a police report 6 months after the fact so I agreed to the {$600.00}. I havent recieved payment as of today. As of today my house is set for a sherriffs sale XX/XX/XXXX and Im still trying to modify the loan. I again have been told the same lies about not getting my fax and everytime I call I get a different rep who tells me they need a different piece of paperwork.

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