Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I started my mortgage with XXXX XXXX back in XX/XX/XXXX. Around XX/XX/XXXXXXXX XXXX XXXX pick it up then the mortgage got transferred to Green Tree then around XX/XX/XXXX Ditech picked it up. Finally on XX/XX/XXXX my mortgage was once more in the hand of another who 's XXXX. 
My original loan is $ XXXX month, at a fixed rate interest. I 'm responsible for homeowners insurance and yearly property taxes. My loan carries no Escrow. 
For personal and unexpected reasons my payments were falling behind but I always managed to catchup specially when I had to reinstate my home owners insurance. For some reason when GreenTree exchange my information to Ditech and I fell behind now they were claiming that I was behind over 120 days. I could n't understand why since I would make monthly payments of more than $ XXXX month. I would sometimes send $ XXXX month. I decided to question them. No one would give me the correct answer. My husband was also helping me make payments and we managed to pay more than {$3000.00} one month to no avail. The mortgage statements would have a record of the payments but for some reason the mortgage balance would be the same and the past do amount would also increase. They would tell us that I was still late because I was only making partial payments. My monthly payments are {$480.00}. I never send them less than that. 
During this ordeal in around XX/XX/XXXX my credit score also got  ruined. I could not refinance my home. I was also not in need of a modification because I was afraid my poor credit score at the time would mean that my monthly payment was gon na go up. I 'm comfortable with my monthly payment all I need is a refund for what they claim I owe. I also need them to apply my payments to my loan for some reason Ditech was not applying my payments and I just know of several that they did n't apply I have proof. I know I was sending {$500.00} a month to them from my bank. 
I hired a third party to dispute charges and errors on my credit report because I need to fix my credit that 's when I found out that Ditech had accelerated my loan. I did n't receive a letter I had no knowledge that my mortgage had been referred to Forclosure. When I called Ditech. Ditech informed me of the situation and gave me a name of the lawyer firm in XXXX that was gon na foreclose on me. I asked for a telephone number and they did not have it so I had to look for that information on my own. I finally called and the lawyer could not understand why Ditech was having us and other people call them when they were Ditech 's hired Lawyersrs representing only Ditech. 
I had to get my own help so I XXXX for Forclosure assistance and I found XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX one of their so called paralegals took my {$1900.00} and assured me that they were gon na dispute on my behalf. I have not gotten an answer from them yet since XX/XX/XXXX. 
Then in XX/XX/XXXX. Ditech transfers my loan to XXXX. I also had no knowledge. 
I have n't gotten any information on the status from XXXX  Plus XXXX Caused my mailing address to change. Ditech also made an error in changing my address to a New York address that belongs to XXXX. XXXX is not a good company they are bad at communicating and just took my money all they wanted to do was submit a modification loan. I could have submitted it my self free of charge. 

I was able to get a hold of XXXX and they gave me my new account number they also told me that I have a 60 day grace period so that I should resolve my dispute with Ditech and get the payments applied correctly. I hope I do get the help I desperately need. XXXX also told me I 'm not under Forclosure at this time.

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