Ditech Financial, LLC

I am rejecting this response because:The company states that the account terms have been corrected This is NOT correct We are still unable to pay the full interest amount due on the account Ditech is not accepting the full amount and is instead crediting us with unapplied funds (second to last paragraph of their response) The balance of the full amount due is being taken from our principal, instead of our payments Since Ditech acquired our loan (they own Residential Credit Solutions, the previous owner of the loan), our principal amount due has steadily increased because Ditech has not applied our payments correctly I have called, emailed, faxed, and otherwise communicated with Ditech numerous times since April and they have still not corrected this situation This must be corrected as soon as possible

RE: Case#11602005, [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)Mr [redacted] should be advised many state and federal laws require disclosures to be conspicuously noted on customer communications, even if the communication is not a collection letterTherefore, the disclosure, "This is an attempt to collect a debt and any information obtained will be used for that purpose" is included on all of our correspondenceHowever, the statement does not reflect the status of the accountUnapplied funds (UAF) is simular to a hold tankFunds received are placed in UAF and then disbursed out to be applied payments due, principal, escrow, etcA simplified payment history is enclosed for Mr [redacted] 's convenienceIn order to provide further explanation concerning the application of Mr [redacted] payments we provided the following breakdown: On April 6th a $payment is received and placed in unapplied funds (UAF) $prior UAF balance = $1,UAF balance after payment $1,was then taken from UAF -$applied to principal -$1,applied to April 1, payment due date = $UAF balance after payment application On April 18, a $payment is received and placed in UAF = $UAF balance after payment On April 19, 2016, $was removed from UAF and applied to principal = $UAF balance after payment application On May 2, a $payment is received and placed in UAF = $UAF balance after payment On May 16, 2016, a $payment is received and placed in UAF = $1,UAF balance after payment On May 31, 2016, a $payment is received and placed in UAF = $1,UAF balance after payment $1,taken from UAF -$applied to principal -$1,applied to May 1, payment = $UAF balance after payment application On June 13, 2016, a $payment is received and placed in UAF = $UAF balance after payment On June 27, 2016, a $payment is received and placed in UAF $1,UAF balance after payment $1,taken from UAF -$1,applied to June 1, payment -$applied to principal = $UAF balance after payment application July 11, 2016- a payment reallocation occurredAll payments from May 2nd forward were reversed and placed in UAF in order to redistribute payments due for May, June, and July, Late fees were waivedOn July 12, 2016, a $payment is received and placed in UAF = $UAF balance after payment On August 2, 2016, a $payment is received and placed in UAF = $1,balance in UAF after payment On August 3, 2016, $1,was taken from UAF and applied to August 1, due date$UAF balance after payment Mr [redacted] may use the enclosed payment history to verify how his payments have been applied since Ditecch began servicing the loan, effective February 1, If Mr [redacted] has any further questions, he may contact his account representatives Aleese Dat ###-###-####, extension ***, or Allen Pat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] , [redacted] *** ASWFvvYj8ha

I am rejecting this response because: From their pat response, it appears they didn't even read the complaint, its the same response over and over againThey request documents that don't exist or wedo not have access toWhen we try to explain we had nothing to do with this transaction they steadfastly refuse to even communicate other than contact the genericemail and phone number and the first thing they want is paperwork, which again doesn't exist, and it starts all over againThe simple fact is our warranty deed (which ourclosing attorney has sent them times) clears this whole problem, and Greentree (now Ditech) simply did not release original lienWould have been nice in this instance being somewhat different than the run of the mill release, someone could have contacted us, so we could explainI have heard nothing from them until this response.To be fair, they have been in contact with our closing attorney with no resolution

RE: Case# [redacted] , [redacted] A [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] A [redacted] regarding the account with Ditech Financial LLC (Ditech)Pursuant to Ms [redacted] ' correspondence, a request for information related to the status of the requested lien release was made with our lien release department and on February 28, 2017, the requested lien release was processedA copy of the release is enclosed for Ms [redacted] ' convenienceWe apologize for any inconvenience the delay in completing the lien release may have causedIf [redacted] A [redacted] has any further questions, our Customer Service Department is available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely,Shea [redacted] Customer Service Correspondence Supervisor [redacted] cc: [redacted] A [redacted] , [redacted] CAIRO, GA

RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding the account with Ditech Financial LLC (Ditech)We apologize for any dissatisfaction Mrs [redacted] encountered in dealing with our associatesOur policy and practice is to conduct all communications in a courteous and professional manner and to, at all times, treat our customers and third parties with respectPursuant to the conversation with Tracie Con October 21, 2016, Mrs [redacted] was advised to download the loan modification documents at our website, www.ditech.com, fill them out and return themOur records indicate that we have not received a loss mitigation application from Mrs [redacted] at this timePlease note the completed documents may also be uploaded via our websitePolicies are set in place to ensure both the customer's interests and our interests in the property are protected in the event of an insurance claimThe processing time on a claim, once all documents are received, is business daysWhen all of the required documents are received, the funds are released accordinglyCustomers also have the option to have the funds applied to principal balance of their loanOur records indicate that Mrs [redacted] sent two insurance claim checks to us; however, they were not endorsedTherefore, the checks were returned to Mrs [redacted] on September 30, to be endorsed and sent backIn addition, we enclosed an overnight envelope for Mrs [redacted] to return the checks to usWe have enclosed copies of the letters sent to Mrs [redacted] regarding this matterAs previously stated the claim cannot be completed until all required documents are receivedMrs [redacted] can forward the endorsed checks to the address listed below: Ditech Financial LLC Attn: Claims Dept- [redacted] Rapid City, SD 57709-Our Claims Department is also available to answer any questions or concerns regarding the claim and can be reached at ###-###-####We apologize for any confusion this matter may have causedIf [redacted] has any further questions, she may contact her account representatives Latoya Mat ###-###-####, extension ***, or Mario Cat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)Records indicate that a payment of $2,533.78, was received on July 14, 2016, with an enclosed escrow shortage payment coupon and was therefore, applied to Mr***'s escrow accountPursuant to his request made with Customer Service the payment was requested to be reallocated to the July 1, 2016, contractual payment on July 19, Unfortunately, due to our recent system upgrade, an extended delay in completing reallocations requests has occurredThe referenced payment was correctly applied to the July 1, 2016, contractual payment on August 8, 2016, the late fee of $assessed as a result of the reallocation delay waived, and the payment backdated to the date of receipt to ensure proper crediting of the accountA review of the credit reporting for Mr***'s account confirms that the account has been reported as currentNegative reporting has not occurred as a result of this issueIf Mr [redacted] has any further questions, he should contact his account representative Kelli Lat ###-###-####, extension ***, or Jerry Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] ***, [redacted] OCEANSIDE, CA [redacted]

Thank you for the opportunity to respond to the rebuttal filed by Jennifer [redacted] regarding her account with Ditech Financial LLC (Ditech)As previously advised, during a trial period plan, funds received are credited toward the trial schedule, but held from posting until the time that a full contractual payment is receivedOnce the full contractual payment is received, the funds are then posted to the oldest payment dueAny remaining funds are then held towards the next full contractual payment or until the trial has completedOnce the trial plan has completed, additional funds received, will hold from applying until the final loan modification is performedThese payments will be applied as post-mod paymentsAfter Ms [redacted] payment of $1,was received on December 4, 2015, and applied to the November 1, due date, we received a payment of $on December 8, These funds were combined with the unapplied funds and $1,was applied to the December 1, due date and $was applied as a principal reductionOn January 5, 2015, we received a payment of $1,and $1,was applied to the January 1, due date and $was applied as a principal reductionDitech has not assessed any late fees to Ms [redacted] account.If Ms [redacted] has any further questions, she may contact her account representatives Darlene Wat ###-###-####, extension ***, or Mario Cat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)We sincerely apologize for the dissatisfaction Ms [redacted] has encountered regarding the time it took to issue a new escrow refund checkOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementRecords indicate that the check reissue process began on March 29, At that time, a request was submitted to place a stop payment on the previous escrow refund checkOn April 6, 2016, the funds of $were applied back to Ms [redacted] 's accountA new escrow refund check was mailed to Ms [redacted] on April 11, Records indicate that Ms [redacted] did not receive the reissued escrow refund check; therefore, a new check reissue process began on May 15, Please be advised that the escrow refund check reissue process was completed on May 25, 2016, and a new check in the amount of $was mailed to Ms [redacted] Unfortunately, we are unable to provide any additional interest with the escrow refund checkIf Ms [redacted] has any further questions, she may contact her account representatives Thandi F.at ###-###-####, extension ***, or Brett W.at extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

March 1, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC ("Ditech") As previously advised in our correspondence dated December 11, 2015, our records show that the tax exemption has not yet been approved for After the tax exemption is approved, Mr [redacted] may resubmit his request so that we may update the tax information on the escrow account accordingly If Mr [redacted] has any further questions, she should contact his account representative Stephen Kat ###-###-####, extension ***, or Emmanuel Hat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT Sincerely, Vanessa [redacted] Customer Service Correspondence Supervisor /lqh/29/ cc: [redacted] , [redacted] ***, Fort Pierce, FL (Case Number [redacted] .pdf)

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.Amazingly, they have somehow figured out that they were indeed wrong I will make the July payment today, I do not expect to be charged a late fee however I did attempt to make this on July 6th and it was refused.I have printed this letter and will keep in our files and also make Fannie Mae aware.Thank you for your assistance, [redacted] G [redacted]

Thank you for the opportunity to respond to the complaint filed by Ms [redacted] regarding her account with Ditech Financial LLC ("Ditech") In order to protect the parties' interests, certain policies and procedures are established in the event of an insurance claimThe claim process will depend on the size of the claimOur monitored claims process requires certain documentation be submitted along with an endorsed claim checkThe check is then deposited into a non-interest bearing account associated with the loanOnce all the documentation is received and all applicable inspections have been completed, the funds will be released to the borrower within business daysPlease note; however, an incomplete claims package, missing documentation, or receipt of an unendorsed check could delay the processIf the claim is deemed to be a small claim, Ditech will endorse the check and mail it back to the borrower On February 4, 2016, we provided Ms [redacted] with the insurance claims procedures and the following day, we mailed the claims package to her addressWe spoke with the State Farm agent on February 5, 2016, however, we did not make any agreement to endorse and return the check upon receiptMs [redacted] 's claim is considered a large claim; therefore, we must monitor the repairs to ensure they meet applicable standardsOn February 22, 2016, we received an insurance claim check***-***-***in the amount of $20,As the claim check was unendorsed, it was returned to Ms [redacted] for her signature that Same day We regret any dissatisfaction Ms [redacted] may have encountered while attempting to obtain the release of insurance claim fundsDitech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementDitech's policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat all parties with respect Ms [redacted] 's loan is escrowed for payment of property and school taxesPayments are disbursed every each year in November and DecemberOn November 25, we disbursed $1,for the school taxes and on December 2, 2015, we disbursed $1,for the property taxes ________________ - ? d steC h, Ditech Financial o [redacted] Rapid City, South Dakota 57709-T [redacted] F ###-###-#### ditech, Gorm If Ms [redacted] has any further questions, she should contact our Insurance Claims Department at ###-###-####Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT(DOC032216- [redacted] 91926.pdf)

Attached is the signed Authorization and Consent to Release Form Thank you [redacted] **

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).The servicing of Ms***'s account was transferred from CitiFinancial to Ditech on November 1, The servicing transfer does not affect the account terms and conditions, other than those related to the servicing of the account.Records received from CitiFinancial indicate that they processed a deferment on Ms***'s accountThe amount of the deferred interest was $When the account was transferred to Ditech, this amount was set up as an advance to be collected at the maturity date of the accountHowever, after further review, Ditech has removed this advance and the account has been closedThe payoff has been backed to January 6, 2016.An Automated Universal Data form (AUD) was sent as of today's date, to the four major credit reporting agencies (Equifax, Experian, Innovis and TransUnion), to remove the reported late payments and reflect the account as paid in full, and closedOnce the information is received, it may take to business days for the credit reporting agencies to update their records.We apologize for any dissatisfaction this matter has causedIf Ms [redacted] has any further questions, she should contact her account representative Lakecia Hat ###-###-####, extension ***, or Latoya Bat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

I am rejecting this response because: unfortunately, Ditech unscrupulous act is disturbing in that they have not employed their own policies to establish my loan modification Trail Payment Paln / [redacted] Style Definitions */ Let me start out by noting, it was under Ditech writings in the contract the set forth payments and dates of my trail payAs the monies were received on time for the months in question, it was never disclosed I would need to make a full payment during the trail pay whereas it was required to count to process the loan’s postings, for the months in question This was not listed in the written agreement, upon accepting the trail pay but instead omitted by Ditech However, I had made an inquiry to my representative Ms [redacted] in June in which she mentioned “if I initiated any further payment I would then be disqualified from the loan modification programGiven the opportunity I would have provided the shortage Seems to me this act is orchestrated in terms of a catch 22, under these circumstance Ditech has used But looking back now MsKelsey [redacted] has been deceitful with me before by making me supply doctor’s certification of disability to disclose my health concernDitech failed to initiate the propose amount that would eliminate this mishap, but made a way to blemish my record during this business transaction It is unsettling knowingly, I made timely payments under a contract to then be subjected to postings that result to a blemish on my Ditech account, as a result of the lack of communication to sustain accurate posting, Therefore as It would be consistence with the non-late fees charged publication listed under this modification However, the standards implied on my account are posted in the negtiveAs it does not reflect the definition of late charge which incurs a mandatory late feeThis language was not encouraged during my efforts to qualify but instead I was penalized The contiguity of this act does not employ the behavior of postings established for a loan modification written in the contract This backwards behavior represents a long time effect of sabotaging and penalizing my account to incorporate their scam to generate capital off my funds Secondly, I find it rather particular my bankruptcy filed in September 2010, than transposed to the discharge status in October 2011, would move Ditech in January to implement a write off on my credit status reportAfter six years of consecutive postings find it deem necessary to change and omit my business activities with DitechThis completely promotes poor business practices and unethical behavior in handling my fileThis horrendous act calls for further investigation, surely this is not Ditech’s first occurrence in demonstrating their pitfalls while handling my account unprofessional, but instead, in a reply will label it is as an isolated case ( as in my past disputes)They have still continued to impede at each stage on my account with errors Surely, my mortgage was exhibited to the credit bureau by Ditech since the date of transfer listed aboveThey are alleging an affirmation needs to be in place But furthermore, Detach would need to justify all previous writing to the credit bureau of these prior posting set forth from there onAnd suddenly out of the blue after three approved consecutive modification since the purchase, Ditach this flaw have been presentedDitech has in adversely chosen to stop reporting to Transunion, Equifax, and Experian report my payment history After six year Ditech has decided to remove these writings from my account when I have filed and approved for several modifications within the time frame described above Clearly, the readings have always been vivid on my credit report upon and after the purchase, transfer and/or trade of my mortgage loan by Ditech, since May until January Nonetheless with this knowledge Ditech still displays their underhanded practices to bring forth my application to initiate a loan modificationWith that said there would be no reason for me to contact my attorney regarding the reaffirmation for this loan in the matter of Ditech trying to build and get it right.The attach copy shows Green Tree had been established on my credit report the whole time I was in bankuucy and discharge, Ditech has a tendency to make up rules as they go along and I have been victimized numerously by their pattern in the past and it still continues todayIt leaves me without an open door to terminate our business relationship unless with penalty / [redacted] Style Definitions */

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)As of the date of this correspondence, the account has not been paid in fullEnclosed is a copy of the Universal Note and day payoff quote as requested The current principal balance is $11,and the next amount due is $for the remaining November 1, due datePlease note that the current principal balance is indicated on the monthly billing statementsThe scheduled maturity date for the account is July 1, We have enclosed an account payment history, which shows how the payments received have been appliedThe billing statements also provide a breakdown of how the previous payment received was applied and the amount of funds that have been applied to the principal and interest for the current year under 'Past Payments Breakdown'The billing statement is showing a different amount due each month as the account is paid aheadSince the payments received are not accompanied by payment coupon, the funds received are applied to future monthly principal and interest payments with no funds applied to additional principalIf a reallocation is needed, Ms [redacted] may contact our Customer Service Department to request the reallocationIn regards to the amount of $1,listed as 'Deferred Balance' on the billing statement, records indicate we reduced the interest rate to 3.25% for months beginning in September of to assist in bringing the account currentThe deferred interest of $1,was set up as an advance to be collected at the maturity date of the accountEnclosed is a copy of the letter that was mailed advising of this offerIf Ms [redacted] has any further questions, she may contact her account representatives Sigi Bat (800) [redacted] , extension [redacted] or Rashanna Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

I need a lien releaseMy loan was paid in full on 05-15-

April 12, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] and [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by Mrand Ms [redacted] regarding the account with Ditech Financial LLC (“Ditech”) A payment of $was posted to the account on January 11, The amount of $was applied to remaining amount due for December 5, installmentThe remaining amount of $was applied as a principal only paymentThe payment of $was posted to the account on February 8, The amount of $was applied as principal and interest due for January 5, The amount of $was applied to the corporate advance balance due on the accountThe corporate advance balance was a $1,deferment that was completed in December A total of $1,of past due amounts were deferred to the end of the loanUpon receipt of the correspondence from your office, we attempted to correct the misapplied payment by reversing the $from the corporate advance and apply the funds to a payment We apologize that this did not occurOn March 4, 2016, $was received and applied to the principal and interest payment due February 5, and $was applied to the corporate advance balanceWe received payoff funds in the amount of $3,on April 7, That same day, a paid in full letter was mailed to the borrowers The account is now closedWe have enclosed the payment history for reviewIf Mrand Ms [redacted] have any further questions, they can contact our Customer Service Department at ###-###-####, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT Sincerely, Vanessa [redacted] Customer Service Correspondence Supervisor /lqh/31/ cc: [redacted] ***, Asheboro, NC [redacted]

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any inconvenience that may have been causedAccount records indicate that the escrow surplus check in the amount of $2,was sent via USPS on July 1, Again we apologize for any inconvenience that may have been caused due to the delay.If [redacted] has any further questions, she should contact her account representative Brian Hat ###-###-####, extension ***, or William Fat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] , [redacted] HUNTSVILLE, AL [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meThank you so much for dealing with this on my behalfI have repeatedly asked Green Tree Service and now Ditech to handle their "system issue" multiple timesRemoving the previous late fee is not viewed as a courtesy but as a correction to their mistakeI was never late on those mortgage payments and believe it could be a new practice of collecting more feesI would also like to personally thank [redacted] for being diligent and courteous in his letter to DitechThe Revdex.com has a great staff of intelligent personnel with awesome leaders to manage themThank you all very much!Warmest Regards, [redacted]

We apologize for the inconvenience and dissatisfaction that this matter has causedOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementPlease be advised, due to system issues, Mrs [redacted] 's mailing address was not updated as requestedThe original escrow surplus check was generated on October 18, Please note checks are generally mailed within 2-business days after they have been generatedOn November 03, 2017, the original check was cancelled and a new check was issued on November 07, Unfortunately, the mailing address was still not updated accuratelyThe reimbursement Mrs [redacted] requested was processed on December 20, The amount of $3,was reimbursed to her bank account via ACH (Automated Clearing House)Mrs [redacted] will need to contact her bank to verify receipt of the reimbursed funds