Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Six  months ago I received an IRS  XXXX  form from  Ditech Mortgage indicating Ditech had paid  me income during  XX/XX/XXXX . This is false information.  Ditech is m y mortgage company. I do not escrow any funds with them, and they sent me no income checks or any other form of income in   XX/XX/XXXX  . I immediately called  Ditech to fi nd out why added income was reported to the IRS false ly. Ditech  has abysmal customer service - very disorganized and each time  one calls, one g ets different, varying information after lengthy times on hold - none of which so far appears to be correct now that it 's  six month later. During this time period, I have repeatedly had to call Ditech  and explain this mess, to no avail as of this date.     After numerous phone calls trying to find out what the alleged check was for and why they reported false information to the IRS and askin g Ditech to correct this false information sent by them to the IRS, I was told by Ditech  the check was for {$81.00} for interest they paid me because they had held onto my insurance claim check for so long in   XX/XX/XXXX .  ( I had roof damage/storm damage repaired in   XX/XX/XXXX   so my insurance company had sent me payment on the claim, but  Ditech insisted the check be signed over to them until the job was completed and inspected by Ditech. S omething I thought was very fishy, given what I feel is the suspicious nature of this company. I never chose to do business with  Ditech - apparently my mortgage was sold to them or they changed their name from Green Tree  after another mortgage outfit went bankrupt several years ago, from what I have been able to piece together. ) After numerous promises throughout   XX/XX/XXXX through  XX/XX/XXXX  an d numerous phone calls by me to  this Ditech outfit, (  somehow related  to Green Tree,  which I recall from decades ago was involved in the infamous Savings and Loan scandal, causing  XXXX   XXXX  to spend time in prison ) I still had received no check. I called again, and on   XX/XX/XXXX , received a " check ' ' fro m Ditech for {$81.00}. I cashed the check at   XXXX   XXXX  ,  only to find o ut  XX/XX/XXXX , t hat the check was worthless!     XXXX   XXXX   assessed my account back for the {$81.00} plus {$12.00} in penalty fees.
I called Ditech     XX/XX/XXXX , t o report this latest  XXXX . I was told they realized they had sent out checks with the wrong routing number or wrong account number. I was told they had now " overnighted '' replacement checks  ( including {$35.00} extra for penalty fees )  to the damaged customers, and that I should have my check by now. It is n ow  XX/XX/XXXX , an d I still do not have the check. I called  Ditech aga in today about this. As usual, they kept me on hold for a lengthy time, seemed confused, had incomplete records of what has transpired, and initially said no check at all had been sent ever. After more time on hold, they then said yes, they had overnighted replacement checks last Friday and promised ( once again   ) the check 's in the mail.
After nearly six   months of dealing with this company, sending them emails, and making numerous lengthy phone calls, I have no confidence in them. I would like to have my mortgage held and serviced by a different company, as  Ditech is no t fit to be in this business. I want them to  1  ) correct the information sent in   XX/XX/XXXX    to   the IRS,  2  ) send me the interest check plus penalty fees in   XX/XX/XXXX ,   3  ) not retaliate against my mortgage account or me, which are both entirely in good standing, and  4 )  sell my mortgage or its serviicing to a more reputable company, as I wish to cease doing business with this company. I also suggest the CFPB investigate business practices at this company and take action against this sort of behavior that I 've had to deal with for nearly six months and counting.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation