Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
In XXXX of 2015 i lost my job I contacted my mortgage company and explained my hard ship and that I am the only one that works. well they wanted me to borrow from any one i new as long as they got their money .I told them I will not trouble my family with my problems when they do n't have it any ways. I finally got a job on XX/XX/XXXX,2015 I called my account manager who was in charge of my account and told her that I would be making a payment on XXXX/XXXX/15 then XXXX on XXXX/XXXX/15 and XXXXpayments on XXXX/XXXX/15 and XXXX more on XXXX/XXXX/15 and that would bring me current on my next payment on XXXX/XXXX/15 she was happy that im back working and agreed that my payment arrangement will work. so when I called in on XXXX/XXXX/15 and talked with XXXX she said she had something better for me so I would n't be cutting myself short, she told me I qualified for a home modification because i was 90 days behind and had good reason for my hardship, she explained that this would benefit me a a lot better, I figured she was helping me in the long run saying how it will lower my payment and interest rate and help me get back on my feet with the rest of my bills, Now my call in that day was to make a payment that she would not accept because she said it would throw the modification off and she took some information from me how much i made an hour ect and she mailed me a packet for the modification and i filled it out and made all necessary copy 's of documents and sent back in 3 days well 2 months go buy and XXXX calls me and says i did n't check a box on the tax form for the to get a transcript but I signed it, I told her that I sent a transcript of my taxes since i had them so it would n't hold things up, she said she will look into it and get back with me if theirs a problem, another month went buy now it XXXX she finally gets back to me I told her that Ive called her 5 times left message on her machine asked her why nobody there that i talked to could tell me anything about my case, XXXX tells me that now she needs new pay stubs due too they did n't have the year to date on them, at this time I was feeling that something was n't right this is a new job they had all my pay stubs add them up i told her i mean how ridiculous is this well I sent her new ones and waited to here back from her and i did call after every time I faxed a copy to make sure she got it so 2 weeks go by and i get letters in the mail saying that I have a new account manager and that green tree is now Di tech so i tried to reach this new manager her name is XXXX I left XXXX messages on different days and never got a call back and when i called into the customer service dept i would explain this matter to them and said they could not discuss the matter of the modification only my case manager could and then they would transfer me to her and I would leave another message then in XXXX I receive another letter saying how now Di tech is here to help me and that I have been assigned another account manager his name is XXXX XXXX so I call him 6 times leaving messages and no call backs at all .On XXXX XXXX 2015 I received XXXX letters basically saying that I do not qualify for any modifications because I make to much money, I gross XXXX a month support XXXX people on that now they want XXXX to bring my account current, they destroyed my credit and talked me into this nightmare I should have done what i wanted to do in the first place i would be current this looks like a force foreclose and now Di tech is carrying out green trees actions and that 's not good business now whose breaking the law they put me in this position not me I believed what they were saying their the bank guess you cant trust no one these days. thank you for your time

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