Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I am filing this complaint against Green Tree servicing for what I believe is harassing and unlawful debt collection practices. Today I called Greentree to speak with someone about changing the date that my payment would post. I had originally scheduled a payment for XXXX/XXXX/15 but due to some unforeseen circumstances I was not going to be able to procure the funds necessary to cover the payment. When I called I was connected with a male customer service representative ( did not get his name ). I requested that I set up the payment for XXXX/XXXX/15 for both XXXX and XXXX 's payments. I was told by the representative that it was not an option to delay XXXX 's payment. He then proceeded to tell me about an option where we could defer the payment. This option would tack the XXXX payment onto the end of the loan and allow us to skip the payment in XXXX. I was told by him that my husband would need to provide XXXX paycheck stubs, all copies of 2015 's tax returns and a written letter from me stating that I am unemployed. I then asked him where I needed to send the these documents. He then connected me to his supervisor, XXXX XXXX. When XXXX got on the phone with me she immediately started grilling me about why we were not going to make XXXX 's payment. She asked me how much money my husband makes and when he gets paid. She also asked if I was employed. She then, in a VERY harassing tone, said that we had been able to make payments before so what was different now. I told her that my husband had had less income this month and that we just did n't have enough money to cover the bill. She then continued to harass me by stating that we had XXXX days to procure the funds to cover the payment and she wanted to know what we were going to do to get the funds. I was shocked by her rude and harassing statement and requested that I be connected with a different representative. XXXX ( did not give a last name ) got on the phone with me. While she was not as rude and harassing, she was unwilling to come up with any other plan other than for my husband and I to agree to take the deferment or make the payment on XXXX/XXXX/15. My husband then got on the phone with her and explained that he did n't want to to the deferment and would not have the funds until XXXX to cover XXXX 's payment. XXXX again stated that was not an option. My husband needed to get back to work so for no other reason than to get off the phone and get back to work he agreed to setting up the payment for XXXX/XXXX/15. We will not have the funds to cover this payment and GreenTree is fully aware of that. We thought we were doing the right thing by calling GreenTree and trying to set up a payment for XXXX and XXXX 's premium on XXXX/XXXX/15. 

For the record, this is not the first time we have been harassed by Green Tree. We have never been able to make our payments on the XXXX of the month. I called GreenTree Servicing and requested a due date change but they would not allow it. This particular month my husband and I had a friend who was very ill and in the hospital near death. We were gone for over a XXXX almost all day and night and we were not getting GreenTree 's phone calls. Our payment was not even a full XXXX days past due but on the XXXX of the month I got phone calls from XXXX different neighbors telling me that someone from GreenTree Servicing called them wanting to know of mine and my husband 's whereabouts. GreenTree Servicing had google searched me and found people who lived around me and obtained their contact info and then called them to inquire about me. According to my lawyer this is highly unethical as well as illegal.

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