|
374127
|
2013-04-05
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-04-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-04-05
|
| Consumer Consent Provided |
N/A
|
|
|
1056736
|
2014-10-03
|
Other
|
Mortgage
|
|
| Issue |
Other
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2014-10-03
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-08
|
| Consumer Consent Provided |
N/A
|
|
|
3078937
|
2018-11-20
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
DITECH is the absolute worst mortgage company to deal with. They have been holding our insurance check since XXXX and still have yet to release our funds to us so we can begin repairs on our property. We have called them every single day to check on the status of our check and they have noted our calls and that all of our paperwork was processed. Today our check is supposed to be released and sent overnight. When my husband called to make sure of this they tried to inform him that there was documentation missing from the file. At this point, DITECH is playing games with us. We get a different rep every single time we call in and the operator gives you very basic information. It is so frustrating dealing with this company. The amount of the check is more than the value we owe on the property. It is our money. It is for us to begin repairs. It is not a difficult case and a few documents that were needed have been given to DITECH back on XX/XX/XXXX. They keep pushing us days later and saying they are behind schedule because of hurricane claims. I should also mention that DITECH was not even our mortgage company when the accident occurred. We have been running around and dealing with a dozen other things in order to get this process started and yet DITECH who is handling our claim has NEVER REACHED OUT TO US! We always had to call into their call center and try to figure out what is going on.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3074179
|
2018-11-14
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-14
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Complaint What Happened |
I have ( TWO ) complaints.
On XX/XX/18, I got a letter from Ditech in reference to My annual Escrow Account Disclosure Statement ; It stated that my account has a shortage of $ XXXX, of which I could pay the full amount or spread it out over a 12 month period at $ XXXX per. month.
On XX/XX/18, I send a one time payment of $ XXXX instead of spreading the payments out. In doing this my New monthly Mortgage would be $ XXXX.In XX/XX/2018.
Surprisingly to say Ditech conveniently ignored my earlier deposit and factored it into my XXXX mortgage to a new total of $ XXXX. Setting me up for disputing my monthly payments on tack for foreclosure.
So I see a pattern to date.I have previously lodged a complain about how Ditech still owed me $ XXXX for monthly contribution of $ XXXX I have made, part of an Incentive of the Home Affordable Modification, under the Borrowed Incentive as long as the loan was not 90 days delinquent which to this day never missed a day. XXXX XXXX along with Green Tree collected it, passed it on to Dietech ; but no one is addressing this problem.
Interestingly to know that the interest rate that is to click in after so many months have been on time never misplaced but my contribution that will eventually help to pay off my mortgage is not attended to.
So on these two points ; please have Ditech address these for me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1528649
|
2015-08-20
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-08-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-08-20
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Consumer Consent Provided |
Consent not provided
|
|
|
673652
|
2014-01-17
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2014-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-01-17
|
| Consumer Consent Provided |
N/A
|
|
|
2293052
|
2017-01-18
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-18
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
On XXXX XXXX, XXXX my Bank, XXXX Bank reported that XXXX, XXXX was withdrawn from my checking account and this was done without my knowledge or authorization. I have never made a double payment, and the payment was made online and I did not go online that week at all. I then transferred XXXX dollars from my XXXX bank checking account to my savings account to prevent anymore unauthorized charges and I alerted XXXX bank. They instructed me to contact Ditech and I did, letting them know what happened via phone. The Ditech representative noted that I had never made a double payment in the past and the amount that was taken did not even equal a two month payment which was another inconsistency. The Ditech represented asked me to send a copy of my bank statement showing that the money was taken out of my account and they would return the money. I told her just to return the balance after one payment because I still needed to pay a XXXX payment if they gave the total amount back, so do n't return all the money. She agreed to just send the balance after the XXXX payment, and on XXXX/XXXX/XXXX the balance was return to XXXX bank.
After this conversation with Ditech costumer service, I tried to make an electronic payment online on XXXX XXXX, XXXX and my account was denied online payment. I then tried to make a payment by calling in and all the service lines were down, and all calls were reverted to someone 's answering service mail box. I left XXXX messages and sent an email to customer service. I sent another email the next day and received XXXX automatic responses via email with no communication about my inability to make a payment. I mailed a check on the third day and still no communication from Ditech all their lines were down for two weeks. I decided to call the Better Business Bureau, and they stated Ditech has a history of no contact with costumers for a month. They suggested that I keep mailing my payment and if I am unable to contact them in a week call them back and file a complaint. I started mailing my payment with a different Bank XXXX XXXX to keep better track of payments. After a month I received a letter from Ditech stating that if I am having a problem making a payment I should refinance for a 40 year mortgage or call the number to discuss modifying my loan. I called the number and I got an actual Ditech customer representative on the phone. They started to say the same thing to me that the letter sent explained and I asked them to look at my account and they stated they see the inconsistency and that the money was returned and that my last payment was placed in another account and not credited to my mortgage. When I asked why, the represented stated they do not know and would pass my case to a supervisor. I explained I had sent my bank statements previously and they prove I am current and only my XXXX payment is due. He said he could see the bank statement and this was recorded as a Ditech error originally that is why the repayment was issued. He stated he does not understand what he is looking at and would send it to his supervisor and they would contact me on XXXX/XXXX/XXXX. No one has contacted me today, and when I attempted to call the number once again my call was diverted to a person 's email all lines down again.
I am sending a copy of all Ditech statements that show payments made and inconsistencies within the statement for XXXX/XXXX/XXXX shows payment received, XXXX/XXXX/XXXX, payment received, XXXX/XXXX/XXXX double payment received, XXXX/XXXX/XXXX payment received and Delinquency Notice for XXXX/XXXX/XXXX, XXXX. On the same statement that a payment is recorded. Where does this Dequincy come from if the Ditech statements report those months are paid. It looks like two different offices not communicating.
I am sending copies of Bank statements Highlighted that show XXXX Bank payment made to Ditech XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
354568
|
2013-03-14
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2013-03-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-03-15
|
| Consumer Consent Provided |
N/A
|
|
|
3239854
|
2019-05-12
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-05-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Processed a complaint with your agency against ditech financial llc in regards to being sent multiple letters for weeks stating my mortgage is late and going to be put in foreclosure. Account was and is current. Your agency contacted ditech in regards to this and they apparently informed you it's been managed. It hasn't, still receiving letters that the account is late, and late fees are going to be applied. The letter is being generated weeks after ditech is receiving the payment for the account. Also the payment has gone up without explanation on why.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1367582
|
2015-05-08
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2015-05-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2809070
|
2018-02-09
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2018-02-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Due to my having to file for XXXX due to a sudden XXXX of my XXXX XXXX from XXXX XXXX for XXXX XXXX, & now experiencing XXXX XXXX XXXX in my XXXXXXXX XXXX XXXX XXXX ; I sought modification relief on my home of 38 years with my first lender, XXXX XXXX starting in XX/XX/XXXX. I was granted a modification for that loan in XX/XX/XXXX, & have maintained an excellent repayment status.
Subsequent to receiving a modification on the 1st mortgage, I immediately applied for modification on the 2nd one, with Ditech, then GreenTree, then back to Ditech again. The interest rate on that loan is@ 8.5 % ; and Ive had the loan since XX/XX/XXXX. For the past two years, I have submitted several loan modification applications, have spoken to my local Housing Partnership service, have acquired a lawyer from my county law service, & have had a hearing in our county offices regarding resolution. Ditech consistently loses the applications, lets them 'age out ' so they expire, & has attached thousands of dollars in legal fees & late fees resulting in the loan being nearly doubled from its origination. After the hearing in XX/XX/XXXX, my lawyer emailed, & then mailed all the info they asked for. Now my lawyer says they let yet ANOTHER app 'age out. ' This is the ONLY blemish on my credit report. Please, please help me resolve this problem.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2975932
|
2018-07-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2018-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Ditech Financial LLC called me on my personal cell phone looking for my mother. My number is with a private carrier and is unlisted. It is also on the do not call registry. My mother nor any other person gave them my number. They are harassing my XXXX XXXX XXXX mother for a debit that is past the time when they can expect to even collect. The letter they send her even state this. But they called me making threats to take my mothers home away from her, stated they might even be able to put a lien on my house, and intimidating tones. I asked them how they got my number and they refused to tell me. I also asked them to get on the speaker phone with my mother so she could tell them not to call me anymore. They refused to. I asked that they send all documentation in regard to the matter with the originating loan company and anytime it had changed hands. The man hung up on us. They continue to to harass my mother even though she has told them repeatedly to stop calling her. I do not have a specific date they called me as my call log in my phone was wiped accidentally. It was between XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2972531
|
2018-07-25
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
No
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-25
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Complaint What Happened |
I lost my job nad was not able to make payments. I was referred to the XXXX owners Held Line located in XXXX FL help me modify my monthly payment. They asked me to send documents and i was charged XXXX . I sent all the documents they were asking for with a deposit of XXXX . The kept calling me to send them the remaining balance of XXXX. I refused because i didn't receive any updates from them about the case evolution.
It has been 3 months i'm calling them in vain. All the mortgage statements go to them. I don't receive any statement from the mortgage company for a while. I don't know what to do now.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2076994
|
2016-08-23
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2016-08-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2466311
|
2017-04-25
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-04-25
|
| Complaint What Happened |
the lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). the lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - A QWR was also submitted to the lender on X/XX/17 and we request a response to this prior to proceeding to a FC sale date of X/X/17
|
| Consumer Consent Provided |
Consent provided
|
|
|
2466330
|
2017-04-25
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-04-25
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
It is with great disappointment and sincerity that I approac hed Ditech Financial to c onsider my request. I had requested a work out plan that was affordable. Our struggling began in 2015 when my husband lost his job and I was the only one brin ging in income. For a family of XXXX . .My husband did everything to find a job. This could not had happened at a worst time. we had a reduction of income and increased expense s.. Ditech provide d a trial period. However, I made my first two payments and when I went to pay my third payment they because I made after the first Ditech will not accept it. I desperately ask they allow me the chance to keep my home ..I have small children. I am also certain that our financial situation will improve for my uncle is now contributing for he is home with us.. I am begin for a chance. Please review our situation, our financial and adjust our mortgage payment to an affordable level. I hope and pray Ditech considers my request.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2814403
|
2018-02-14
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-02-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2273183
|
2017-01-03
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-03
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2553481
|
2017-06-20
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2017-06-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-20
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
My mother died in XXXX XXXX but XXXX XXXX XXXX forge my mothers name in XXXX XXXX, XXXX had it notarized and everything for a home loan modification. Soon as I saw the signature I knew it was n't my mothers and I knew it was fraud. And now they put my house in foreclosure and trying to foreclose on my house this is wrong this is a crime and this is against the law. Ditech financial is the mortgage service company.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1961367
|
2016-06-09
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional adjustable mortgage (ARM)
|
| Date Received |
2016-06-09
|
| Submitted Via |
Phone
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-09
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Consumer Consent Provided |
N/A
|
|
|
2843263
|
2018-03-14
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-03-14
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
2901172
|
2018-05-09
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-05-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-09
|
| Complaint What Happened |
I submitted a complaint # XXXX regarding an error on my title. I recently applied for a home equity loan and during a title search found an error from a previous lender. I refinanced a first mortgage and home equity line of credit with XXXX in XX/XX/XXXX. Both the first mortgage and home equity ( +closing costs ) were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, XXXX submitted a lien for the mortgage and another lien for the additional money extended to me to satisfy the old HELOC and closing costs.
There must have been some confusion, my complaint did not refer to my current HELOC that now belongs to XXXX. This loan was recorded correctly and is current. My complaint is with the new mortgage dated XX/XX/XXXX described in the Consolidation, Extension and Modification Agreement. XXXX not only recorded the new HELOC, they recorded the refinanced mortgage and {$11000.00}, the portion of the new mortgage as a separate lien. I am disputing the recording of {$11000.00} lien, it is not valid. It was consolidated into a new mortgage {$120000.00}. This loan now belongs to Ditech and they have not been helpful in aiding me to remove the error. I am looking for a letter that states that the {$11000.00} was recorded in error to submit to the XXXX County Clerk 's office to have the lien removed. If you refer to the response from the previous complaint I submitted, this same conclusion was made.
I am submitting the Clerk 's recording page dated XX/XX/XXXX to prove this lien exists.
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| Consumer Consent Provided |
Consent provided
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3031939
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2018-09-27
|
Trouble during payment process
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Mortgage
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|
| Issue |
Trouble during payment process
|
| Timely |
Yes
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| Company |
Ditech Financial LLC
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| Product |
Mortgage
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| Sub Product |
Conventional home mortgage
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| Date Received |
2018-09-27
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| Submitted Via |
Referral
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2018-09-28
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| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
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| Consumer Consent Provided |
N/A
|
|
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2917752
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2018-05-25
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
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| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
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| Date Received |
2018-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
Consent not provided
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|
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2944027
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2018-06-24
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-24
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| Complaint What Happened |
When we bought our home, we had XXXX, then XXXX XXXX XXXX, now Ditech We paid our mortgage for many years. When XXXX XXXX became ill we fell behind on our mortgage. Then we were offered a Loan modification and we thought that was really wonderful, but we paid ( 16 ) loan modification trial payments and each time we paid the required trial payments, we had to start over for some reason, such as the offer that was given us had expired and we had to be put into another loan modification offer. We don't know where the payments went or where they were applied. We constantly paid the trials and waited and waited never receiving the final loan modification documents.
Ditech has not been considerate of any of the situation, they have not been easy to deal with. We have been submitting documents and as soon as we sens what they are asking for there is another request with a very limited time to send it in and when you do get the requests in there are more request waiting for you. We have Social Security Benefits and XXXX XXXX has a job ( salary ) and their son contributes and he has a salary.
We have sent all of this to them more than once. We certainly would like to know what happened to all of the monies we paid in trial payment to XXXX XXXX XXXX before they sent us to Ditech who fail to research of help us.
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| Consumer Consent Provided |
Consent provided
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2848027
|
2018-03-19
|
Closing on a mortgage
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Mortgage
|
|
| Issue |
Closing on a mortgage
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| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
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| Date Received |
2018-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-09
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
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| Consumer Consent Provided |
Consent not provided
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|
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2977802
|
2018-07-31
|
Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
|
| Company |
Ditech Financial LLC
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| Product |
Debt collection
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| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
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| Sub Product |
Mortgage debt
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| Date Received |
2018-07-31
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2018-08-01
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
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| Complaint What Happened |
statue of limitation is over on this company, because the statue of limitation being over, they sent me a letter that they were not allowed to communicate with me any longer. Im still receiving letters from this company after they sent me letter stating they couldn't because of statue of limitation.
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| Consumer Consent Provided |
Consent provided
|
|
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2915965
|
2018-05-23
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-05-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-23
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
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| Complaint What Happened |
I received a phone call on my work cell phone number which I have previously written, and Ditech acknowledge not to write or call on my phone number because of the nature of my business. Phones during the day can be a interruption especially due to the nature of my job and I had told them not to contact on this number. BUT today Ditech started their harassment ways again. I was contacted by a XXXX who works for XXXX who stated that he wants to speak to me and I asked him who he was and he said he was from Ditech. I told him that I have a cease and desist on my account and I provided other methods to contact me. I receive all their notices and they must send me at least 3 certified letters telling me how much I owe as well as threats to foreclose. I dont know why they need to call me on my cell phone, to tell me what I owe. I ask to speak to a Supervisor and an XXXX came on the phone. She then tried to tell me that since I applied for a modification that the cease and desist order did not apply since 2017. I told her I just asked for the modification not relinquishing my rights for communication. If a modification will be given then they can send my a letter, which I always get and I will get back to Ditech reps. This company is also calling my ex-wife harrassing her and telling her about my mortgage account, which is totally illegal. She is also considering bringing legal action for harrassment. From what I was told from my attorney, she on the property but not on the account and have no business knowing any information about my debt. That's illegal. She is not on the note.
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| Consumer Consent Provided |
Consent provided
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1872159
|
2016-04-09
|
Loan modification,collection,foreclosure
|
Mortgage
|
|
| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
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| Product |
Mortgage
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| Sub Product |
Other mortgage
|
| Date Received |
2016-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
Consent not provided
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|
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2423878
|
2017-04-06
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
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| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-04-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Complaint What Happened |
Despite having a mortgage with Ditech Financial for less than 20 % of my home 's value, they took it upon themselves, with no approval from me, to open up an escrow account for my property & school taxes. I have always paid these taxes though sometimes I pay them late and I was late at the moment Ditech decided to establish this unauthorized account on my behalf. I reject that Ditech has the right to open up a XXXX account without my approval. This seems very similar to the highly publicized XXXX incidents.
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| Consumer Consent Provided |
Consent provided
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2747315
|
2017-12-06
|
Incorrect information on your report
|
Mortgage
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Ditech Financial LLC
|
| Product |
Mortgage
|
| Sub Issue |
Public record information inaccurate
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| Sub Product |
Other type of mortgage
|
| Date Received |
2017-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Complaint What Happened |
I request that you make out a check of {$24000.00} to resolve the title fiasco which is ongoing. Instead of closing on the sale of the condo last summer, as scheduled, we barely closed just now in the autumn after arduous labor, and a still unresolved title problem. It was just short of four months of delay and legal work involved with this corrupt, but insured title.
Here is the breakdown : Common charges for four months $ XXXX {$1600.00} Mortgage payments for four months since the scheduled closing $ XXXX {$5000.00} Escrow held by the title company because of the still corrupt title= $ XXXX Legal fees of my husband, an attorney, for four months of work= {$12000.00} Extra legal fees paid to our transaction attorney XXXX XXXX= {$4000.00} more than originally agreed upon, but an additional amount paid due to the extra work required to close Total= {$25000.00} Will you issue that check please?
Also, you should issue a check to XXXX XXXX for unpaid legal work done to resolve this corrupt title.
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| Consumer Consent Provided |
Consent provided
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