Ditech Financial, LLC

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)After careful review of the account and correspondence received, we have verified that Mr*** has two accounts with DitechThe account number in
reference, XXXX8636, and account number XXXX8900, which was closed on January 08, When Mr***'s payments were received, no account number was indicated on his paymentsThis caused two of Mr***'s payments to be applied to account number XXXXin errorOn June 16, 2016, Mr***'s payment in the amount of $was applied to account number XXXXAs indicated previously, this account was closed; therefore, the June 16, payment in the amount of $was refunded to Mr*** on July 21, Additionally, his payment received on September 30, was applied to account number XXXXOn October 26, 2016, this payment was reallocated and applied correctly to account number XXXXAll of the remaining payments referenced in Mr***'s correspondence were received and applied to account number XXXXas intended; however, in accordance with the payment hierarchy in place for the account, some of the payments were misapplied and required reallocation to the contractual monthly payments they were intended forThe payment hierarchy in place for the account requires a full payment to be received before a payment can be applied to the due dateIf the funds received are less than the full amount due, they are placed in unapplied fundsUnapplied funds are reviewed daily and follow a specific hierarchy to determine postingThe payment hierarchy is as follows: Escrow advances Corporate advances due Late charges Non-sufficient funds fees Other fees due Additional principal In accordance with the above-referenced hierarchy, the payments received for less than the full amount due were being applied as principal reduction payments rather than being applied to the contractual monthly paymentsThe April 06, through April 27, payments, in the amount of $each, were received and applied as principal reduction paymentsOn June 16, 2016, those funds were reallocated and applied to the May 01, due dateThe transaction was backdated to April 27, to ensure proper credit to the accountThe partial payments in June were also applied as principal reduction payments and were reallocated on July 21, and were applied to the July 01, due dateThis transaction was backdated to June 30, to ensure proper credit to the accountPlease note that the payments received in July for the August 01, due date totaled $602.00, which was less than the full amount due on the account; therefore, these funds were held in unapplied funds until additional funds were received on September 09, On September 09, 2016, funds in the amount of $were receivedThese funds were then combined with the $received in JulyThese funds, totaling $1,406.00, were posted to the account on September 15, and were applied as follows: $was applied to the August 01, due date and $was placed in unapplied fundsOn September 30, 2016, funds in the amount of $were received and were applied to account number XXXXin errorOn October 26, 2016, those funds were reallocated to the correct account and were combined with the $in unapplied fundsThose funds, totaling $1,411.25, were then applied to the account as follows: $was applied to the September 01, due date and the remaining $was placed in unapplied fundsAll of the payments that were misapplied have been reallocated and applied to the contractual due dates as intendedThe late fees assessed as a result of the misapplied payments have been waived and no negative reporting has been made to the credit reporting agenciesAs of the date of this correspondence, the account is past due for the October 01, due date in the amount of $Additionally, there is $in unapplied funds; therefore, a payment in the amount of $would satisfy the October 01, paymentPlease note that including the account number with the monthly payment will ensure posting to the correct accountIf Mr*** has any further questions, he may contact his account representatives Kristina Eat ###-###-####, extension ***, or Brett Wat 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

Please see attached form

I am rejecting this response because: Ditech said the late fee would be cancelled I just received my statement for the January 1st payment due of $ My new payment amount is $1332.76, a difference of $ That is the late fee amount It shows that this amount has been credited, yet it is added to my payment due I will pay the fee, but want to note that Ditech did not provide honest information to Revdex.com.Thank you for your help and assistance

Thank you for the opportunity to respond to the complaint filed by *** *** *** regarding her account with Ditech Financial LLC (Ditech).We understand Ms***'s concernsPlease be assured that her correspondence has been reviewed with the appropriate department management and the
following response is provided.Records indicate that Ditech was contacted by Ms*** through an email on May 24, 2016, concerning the late fees billed to the accountA second email was received on June 14, 2016, in reference to the late feesUnfortunately, due to the current volume of requests we were not able to promptly respond to Ms***'s concernsWe apologize for any dissatisfaction this may have caused and offer the following response:Pursuant to the terms on Ms***'s signed loan agreement, the due date for the account is the 1st ofeach monthIf a payment is not received in full by the due date, the account will be past dueLate fees may be assessed for payments that are received more than after the due date.Ms***'s full monthly payment is $Records indicate that Ms*** has been remitting partial payments of $through an online bill pay serviceMs*** should be advised that her account type requires that only a full payment be applied to the next monthly payment due datePayments that are received in amounts different from the payment due are placed in unapplied funds ("UAF")If sufficient funds are available to apply a full payment, funds are applied to the next monthly payment due and any outstanding amounts such as finance charges, returned payment fees, late fees, escrow due, and acquired accrued interest, prior to the application of funds to the principal balanceThis form of payment posting is determined by the mortgage contract and the servicing protocols of the account.When payments are received without payment instructions they are systematically applied to the account per the above indicated payment hierarchyThis systematic application resulted in some of the payments remitted by Ms***'s electronic bill payment service being applied to the principal balance.Ditech makes every effort to credit payments as requestedPursuant to the correspondence received, a request to reallocate the amounts applied to Ms***'s principal balance was completed on July 11, and the account was flagged for special handling of future payments remittedShe may monitor the application of her payments on our website at www.ditech.com to ensure payments are not systematically applied to the account's principal balance or contact her account representative listed belowThe late fees assessed to the account as the result of this issue have been waivedMs*** may also be assured that negative credit reporting did not occur as a result of this issue.As of the date of this letter, Ms***'s account is due for the August 1, 2016, payment of $960.50.If Ms*** has any further questions, she should contact her account representative Alicia Mat ###-###-####, extension ***, or Christie Gat 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 ***Customer Service Correspondence Supervisorcc: *** *** ***, *** *** *** HIGHLAND, IN ***

RE: Case#***, *** *** Jr Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** Jrregarding his account with Ditech Financial LLC (Ditech)Records indicate that we have previously responded to Mr***'s concerns on April 18,
Pursuant to Mr***'s current correspondence, a review of the account confirms that the account is contractually due for the April 15, 2016, payment due dateMr***'s regular monthly payment is $The last payment received, in the amount of $386.00, on August 15, 2016, was applied as follows:$to interest owed for the March 15, payment $to interest owed for the April 15, payment The payment was applied as indicated above because Mr***'s account is a simple interest accountSimple interest accrues on the outstanding principal balance on a per diem (daily) basisThe per diem finance charge is calculated by multiplying the rate (9.000% for this account) times the principal balance and then dividing the product by When payments are received, they are applied first to accrued finance charge and any remainder is applied to reduce the principal balance in accordance with the terms of the credit agreementWhen a payment is received prior to the due date, and less than days has expired between payments, less interest is owed and more of the payment is applied to principalConversely, when more than days expire before receipt of the next payment, more interest is owedPlease be advised payments are applied consecutively to the last subsequent monthly installment receivedThe enclosed payment history reflects when and how payments are applied to principal and interest on the accountPlease note that the months where no principal was applied, payments were generally more than days from the last payment made, or there was past due interest owedAny earned interest is satisfied prior to applying any portion of the payment to principalThis is the nature of a simple interest accountFor further reference related to the contractual application of payments Mr*** may review Section of the enclosed copy of his contractMr*** should also note, that billing statements reflect transactions that occur during a specific time periodTransactions that occur on the account after a billing statement is generated would be reflected on a subsequent billing statementHis last billing statement indicates that the following amounts are now due: $for the April 15, due date $for the May 15, due date $for the June 15, due date $for the July 15, due date $for the August 15, due date $for the September 15, due date $2,Total Payments Owed $Late Fees $2,Total DueIf Mr*** has any further questions, they may contact his account representatives Erica Wat ###-###-####, extension ***, or Juanita Sat 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 ***
Customer Service Correspondence Supervisor
cc: *** *** JR, *** *** *** ZEBULON, NC ***

I am rejecting this response because:
I do not want my personal information out there for people to see

I am rejecting this response because:It is my opinion that either ditech or Revdex.com is confused as to the issue at handI have sent the proof that this debt was resolved and for this company to feel that they have the right to keep reporting me to the bureaus because the debt was not resolved with them is ridiculousI do not understand how the Revdex.com can not resolve this issue, it is obvious that this company must feel that it is far and just to control someones future.If this issue can not be resolved I will have no other choice but to seek legal advise and let a attorney resolve this, with most likely a whole different outcome in my favor.*** ***

RE: Case# ***, *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** received on May 5, 2016, regarding their account with Ditech Financial LLC ("Ditech").We apologize for any dissatisfaction *** *** encountered with Ditech while attempting
to cancel the private mortgage insurance (PMI)Records reflect we previously reviewed one request to cancel the PMI and a denial letter was generated on May 17, 2016, copy enclosedThe letter indicated we could not review the request because we did not receive authorization to obtain an appraisal.Please note, the Authorization For Appraisal/BPO was received by Ditech on May 26, 2016, and the request to cancel the private mortgage insurance (PMI) has been forwarded to our Escrow Department for reviewOur Escrow Department is scheduled to review the request within business daysOnce they have completed their review, *** *** will be notified of their decision.In addition, the appraisal needs to reflect 80% loan-to-value and needs to come back at $167,or higher before the PMI can be cancelled.If *** *** has any further questions, they should contact their account representative Sonya Pat ###-###-####, 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.mCT.*** ** *** ***

Pursuant to Mr*** correspondence, a review of his account confirms that on September 30, 2017, he was offered a temporary hardship forbearance, as the result of his property being located in a FEMA declared disaster area, that consists of the payment break period that starts on October 07, 2017, lasts for three (3) months, and ends on December 01, The special forbearance letter advised Mr*** that he should continue to make payments if he was able to during this period but no payments were requiredNo late fees or negative credit reporting were to occurThe forbearance letter specifically states that payments that are contractually due during the payment break period would remain due if not paid prior to the end of the payment break period and that moving the contractual payments due during the payment break period to the end of the loan would require a modification of the current loan termsIn response to Mr*** correspondence, which states that he was advised that the monthly payments due during the special forbearance period would be added to the end of the loan, Mr*** should be advised that a review of the account was completed and it has been determined that records do not support this claimWe apologize for any dissatisfaction this matter may caused Mr***If Mr*** has any further questions or concerns about the account, or if he wishes to purse mortgage payment assistance with Ditech, he should contact his account representatives

Please see the attached resolution to Mr***'s complaint

RE: Case# ***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)Records indicate that on November 1, 2016, a payment of $274,095.68, was received by Ditech as a payoff
payment for Mr***'s accountThough Mr***'s refinance was completed through our Originations Department, the funds to pay the account in full were not received until November 1, When the payoff payment was received on November 1, 2016, the account was contractually due for October 1, Pursuant to the correspondence received, a review of Mr***'s account indicates that there were no payments received in October Therefore, the credit reporting for October 2016, reflects accurate informationA copy of Mr***'s payment history is enclosed for his reviewMr*** should note that Ditech is legally required to report accurate information; therefore, we are prohibited from changing credit reporting as a courtesy or to facilitate restoration of a credit ratingWe apologize for any dissatisfaction that this may causeIf Mr*** 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 *** Customer Service Correspondence Supervisor cc: *** ***, *** *** *** Milton, GA ***

We apologize for any dissatisfaction *** *** 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 respectWe do not tolerate unprofessional
behavior from any of our associatesPlease be assured that the responsible department management was notified of her concerns, which was addressed with the specific associates and resolved.The account was paid in full and closed on May 23, 2016, and payoff refund of $2,is due to *** ***Typically payoff refunds are sent within days of the paid in full dateHowever, due an internal error, payoff refunds were not generated for a certain period of time, which included the payoff check for *** ***'s accountPlease note, we are currently in the process of generating the checks and it should be mailed within the next business daysWe apologize for this error

Thank you for the opportunity to respond to the rebuttal filed by *** *** regarding his account with Ditech Financial LLC (Ditech)The letter provided by Mr*** is dated February 4, 2016, and advises that the account was settled in full on December 30, The servicing of the account was transferred from Ditech to *** *** *** *** on December 9, Therefore, the account was settled in full after Ditech serviced the accountThe information that Ditech is reporting the credit reporting agencies is correct according to our account recordsPlease be assured that we are not attempting to collect the debtDitech is reporting that the account was transferred to *** *** *** *** as of December 9, 2014, and that it was a charge offWe would not report the account as settled in full as it was not settled in full at the time Ditech was servicing the account*** *** *** *** should be reporting the account as settled in fullIf Mr*** has any further questions, he may contact our Customer Service Department at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p

You have my authorization to share information with a third-party, Revdex.com. *** ***

Please see the attached authorization form that gives permission to share my information between Revdex.com and Ditech LLC

Initial Business Response /* (1000, 10, 2015/04/23) */
April 23,
***
Revdex.com OF MINNESOTA AND NORTH DAKOTA
S RIVER RIDGE CIR
BURNSVILLE MN
RE: Case *** ***
Dear ***:
Thank you for the opportunity to respond to the
complaint filed by *** regarding her account with Green Tree Servicing LLC ("Green Tree")
We regret any dissatisfaction Ms***'s has encounteredPlease be advised that Green Tree may monitor or record telephone communications for quality purposesThis information, along with account notes, is considered proprietary and is not released to the publicProprietary information may only be released as demanded by a court subpoena
In reviewing the account, we found that Ms*** has recently been in contact with Green Tree regarding payment of the escrow shortageWhile payment of the escrow shortage is typically sent to the address reflected on the enclosed escrow analysis, records indicate that Ms*** requested the $funds authorized by telephone on March 31, be reallocated to the escrow shortageThe funds were applied toward the escrow shortage on April 1,
Due to payment of the escrow shortage, the amount that will be collected for the escrow payment will be the base amount of $574.22, effective with the April 1, paymentThe amount of $1,was collected for the April 1, payment, which included $for the home and $for the escrowThe $monthly escrow shortage amount collected with this payment has been credited towards the next monthly escrow paymentCurrently, $1,is due on May 1, 2015, which includes $for the home payment and $for the remaining escrow payment
If the above information does not address Ms***'s concerns, or if she has any further questions regarding the account, she may contact her Account Representative Michael Dat (800) ***, extension ***, or *** at extension ***She may also contact our Customer Service Department at (800) ***, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT with any further questions
Sincerely,
***
Customer Service Correspondence Supervisor
/bkw/43/BKW
cc: ***, ***., Austin, TX

Thank you for the opportunity to respond to the complaint filed by *** *** regarding an account with Ditech Financial LLC (Ditech)Unfortunately, we are unable research Ms***'s claim that we are reporting on her credit as we are unable to locate the account she is referencingIn order
to research this matter further, we will require the account number that is being reported, Ms***'s social security number, and a copy of her credit reportWhen this information is provided, we will file a correction with all major credit reporting agencies to request they delete Ditech's tradeline from Ms***'s credit reportIf Ms*** has any further questions, she may contact our Customer Service Department at (800) ***, 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 *** *** regarding her account with Ditech Financial LLC (Ditech).We apologize for any dissatisfaction Ms*** has encountered during the deed in lieu of foreclosure processRecords indicate that Ms***'s account was being reviewed for a deed in lieu of foreclosure; however, it was removed from the review on April 16, 2016, as all of the required documents were not receivedEnclosed is a copy of the letter mailed to Mr*** dated April 16, 2016, advising her that the package she returned was incomplete.On May 16, 2016, the account was referred again for a deed in lieu of foreclosure review and the enclosed letter was mailed to Ms*** the same day, which advised her of the documents still needed in order to complete the evaluationSince all of the required documents were not received, the enclosed letter, dated June 28, 2016, was mailed to Ms*** and her account was removed from the deed in lieu offoreclosure review.As of the date of this correspondence, we have not received all of the required documentsIf Ms*** would still like to be considered for a deed in lieu of foreclosure, she will need to provide the following documents.-Recent hardship letter-Two most recent and consecutive pay-stubs-Bank statements for all accounts (last two months)-W2/1099-Recent 4506T or 4506T-EZ Form (signed)-Recent asset statements (401K, IRA, Mutual Funds, Etc.) -Request Modification Assistance Form (signed)-Listing Agreement-day listing history including offersIf Ms*** has any further questions, she should contact her account representative Blanca Dat (800) 643-0202, extension 85577, or Santos Lat extension Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) 643-0202, 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 *** *** regarding his account with Ditech Financial LLC (Ditech).After further review of the property taxes for Mr***'s account, we have removed the additional tax lines totaling $1,that were inadvertently applied to his
escrow accountA new escrow analysis was completed as of the date of this correspondence, which will be mailed to Mr*** under separate cover.Please note that while we were reviewing the escrow account, the monthly escrow payment was adjusted back to the previous escrow payment of $Mr*** was not charged for the higher escrow payment amountAs of the date of this correspondence, Mr***'s account is currently due $for the June 1, and July 1, payments and $for assessed late fees.If Mr*** has any further questions, he should contact his account representative Jerome Gat ###-###-####, extension ***, or Bradley Lat 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

April 14, *** *** Revdex.com OF MINNESOTA AND NORTH DAKOTA *** * *** *** ***
*** ** *** RE: Case #***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by ***
*** regarding her account with Ditech Financial LLC (“Ditech”)We understand ***’s concerns. Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided. Please be advised, we have received your request to reissue check number *** in the name *** ***. We are currently in the process of completing this request and the new check will be mailed under a separate cover to the address listed aboveWe again apologize for any dissatisfaction this matter may have caused. If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT. Sincerely, Shea *** Customer Service Correspondence Supervisor /ars/40/ cc: *** *** *** ** *** ** *** ** *** *** ** *** ***