Ditech Financial, LLC

Initial Business Response /* (1000, 17, 2016/02/19) */
***Document Attached***
February 19,
***
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 Ditech Financial, LLC ("Ditech")
We understand Ms***' concernsDitech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementThe appropriate department management was notified of his concerns and the issues have been addressed accordingly
Ditech makes every effort to credit payments as requestedIf instructions are not included with overages received, the funds are applied to the account in accordance with the payment hierarchyWe have reviewed Ms***' account and verified the funds received on January 20, have been reallocated and applied to her late fees on January 28, We have enclosed a copy of the payment history for Ms*** convenience
We apologize for any confusion or dissatisfaction this matter has caused
We are confident the information provided adequately resolves this matterShould Ms*** require any additional assistance, she may contact Ditech at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT
Sincerely,
Nikki ***
Customer Service Correspondence Supervisor
/db/45/
CC: *** ***, ***, Charlotte, NC
Initial Consumer Rebuttal /* (3000, 19, 2016/02/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
because I need copies of this change in writtinglet them mail it to me for my records

I am rejecting this response because:
In the letter referenced in the above response Ditech is nearly passing the buck stating they are a third party servicer of the loan Ditech states that I should contact Fannie Mae which at this point I have initiated a fraud complaint directly with Fannie Mae as well Unfortunately I have no negative mark on my credit from Fannie Mae, only from Ditech At this point I am attempting to secure a mortgage and I am considering filing a lawsuit against ditech Someone from ditech needs to contact Fannie Mae and determine that I have filed a fraud complaint They camnot simply sit back and say, “well we are a third party servicer” at this point because I am notifying them of the fraud that took place I will not rest or be satisfied until this is removed from my report Let it be known once again, I am more then happy to speak to the media about this The loan resulted from an illegal fraudulent loan closing tactic known as appraisal shopping, I have evidence to support and prove this

May 17, *** *** Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 55337 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 Ms***’s concernsPlease be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided. We regret any dissatisfaction you have encounteredOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementIt is our policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat all parties with respectOur representatives are trained and monitored to ensure adherence to all applicable collection laws and regulations, both state and federal. Records indicate that Ms***’s account originated on October 9, 1997, in the amount of $70,900.09, at 8.24% interestCopies of the payment history and/or contract were mailed to the address on file for the account on February 1, 2011, January 22, 2016, January 27, 2016, and February 1, Currently there is a request pending for an additional copy of contractUnfortunately, due to the current volume of requests this may take some time to be completedPursuant to Ms***’s request attached are copies of the originating account documents and a full payment historyWe again apologize for any dissatisfaction this matter may have causedIf 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, Kristina *** Customer Service Correspondence Supervisor /asw/45/ cc: *** *** *** *** *** Lake Wales, FL *** ** *** ***

Final Consumer Response /* (2000, 7, 2016/02/01) */
I spoke with Timothy again yesterday, I made a payment with my debit card, we are going to try to work this out togetherI will only speak to himI think we can take this from hereThank you so much !!! Whatever you did workedI will let you
know anything further as needed

Please let me know if the consent form is correct because my computer is not working correctlyThank you

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)After careful review of the account, we have verified that out of the payment received on March 14, 2016, $was applied as a principal reduction payment
rather than to the March 01, due dateThe processing error for the March 01, due date caused the account to appear to be delinquent, which initiated the mailings in regard to avoiding foreclosureOn June 14, 2016, the misapplied payment was reallocated from principal and was applied to the March 01, due date as intendedThe reallocation completed for the misapplied payment, brought the account currentRecords indicate that a new escrow analysis was generated for the account on August 12, 2016, and was sent to the mailing address listed on the accountThe escrow analysis advised of a shortage in the amount of $and the resulting increase in the monthly paymentMs*** had the option of paying the escrow shortage in full prior to the effective date of October 01, 2016, or paying it over a period of months at a cost of $per monthSince the shortage was not paid prior to the effective date of October 01, 2016, the monthly payment was adjusted to $We have enclosed a copy of the analysis for referenceThe payment hierarchy requires a full payment to be received before a payment can be applied to the due datePartial payments received will be placed in unapplied fundsUnapplied funds are payments that have been received, but have not yet been applied to the account because the amount received is not sufficient to make a full paymentThe funds will be held in unapplied funds until additional funds are received to satisfy a full paymentOnce a full payment has been received, the funds will be removed from unapplied funds and applied to the accountRecords indicate that the bi-weekly payments for the account are submitted via electronic bill pay through Ms***'s financial institutionThe payments are received on a bi-weekly basis in the amount of $Please note that when the monthly payment increased for the October 01, due date to $955.54, Ms***'s payments were not enough to satisfy the full amount due; therefore, three payments were required to satisfy the full amount due for the October 01, due dateOn October 15, 2016, Ms***'s third payment in the amount of $was receivedOn October 18, 2016, $was applied to the October 01, monthly home and escrow payment and $was applied to late feesThis payment was backdated to October 14, The remaining funds were placed in unapplied fundsA payment in the amount of $was received on October 28, 2016; however, no payments have been received since that dateAs of the date of this correspondence, the unapplied funds is $884.70; therefore, the account is past due $for the remaining November 01, payment and $for the December 01, paymentPlease note that the account is delinquent but is not in a foreclosure statusPer the terms of the contract, Ms*** agreed to pay all expenses incurred by the lender for insuring, inspecting, preserving, or otherwise protecting the property and the lender's security interestInspections are conducted from the exterior of the propertyThey are performed in order to ensure that the property is not vacant and is being maintained in accordance with city codes.They are generally ordered as a result of delinquencyDue to the misapplied payment, the account appeared to be delinquent; therefore, an exterior inspection was ordered in errorThese inspection charges, totaling $30.00, have been removed from the accountPlease be assured that the account is not escrowed for earthquake insuranceDue to system limitations, the Unit Owner's Physical Damage insurance premiums reflect as earthquake insurance on the account and our Annual Escrow Account Disclosure StatementsThe disbursement made on November 21, 2016, in the amount of $836.00, was sent to Banker's Insurance Company for Ms***'s Unit Owner's Physical Damage insuranceIn addition to the above mentioned disbursement, a disbursement of $was made on May 30, 2016, to Universal Property and Casualty Company for the Unit Owner's Physical Damage policyOn May 27, 2016, a Ditech representative spoke with Universal Property and Casualty Company and was advised that the policy has expired on April 30, for non-payment, but if the remaining balance of $was received, the policy would be reinstatedAlso, a disbursement of $2,was made on November 12, to Broward County for property taxesWe have received the following hazard insurance refunds: $on July 6, $on July 23, $on July 29, An additional escrow analysis was completed on Ms***'s account on November 7, According to this analysis, the escrow account had an overage of $The monthly home and escrow payment decreased to $beginning with the December 1, due dateIf Ms*** has a tax bill or insurance declaration page indicating the property tax and/or insurance payments should be lower, she may mail or fax copies of the documents to the address or fax number aboveAt that time we will review to make necessary changes to the escrow account and run a new analysisWe sincerely apologize for any confusion these matters may have causedIf Ms*** has any further questions, she may contact her account representatives Sonya Pat ###-###-####, 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

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)Ms*** should be advised to review our previous responseThe account requires a full payment be received in order to credit funds to the next consecutive due dateAs previously communicated, we have completed the reallocations requested, which were backdated to the date of payment receipt in order to ensure proper crediting of the account and a corrected issuedThere are no further corrections required, nor will any further corrections of the payments currently applied be completedMs*** may review our previous response and the copies of the contractual agreement, which communicates the contractual obligation to apply payments to the accountDitech is required to follow both the contractual agreement and the servicing protocols of the loan investor, Fannie MaeThere is no option to apply payments in a fashion other than the contractual agreement allowsThere is no benefit in paying the account in advance, as the type of interest used for the account, as previously communicated, is actuarial, which assess a set amount of interest for each paymentOnly additional principal payments will reduce the overall interest charged for loan balanceMs*** should note that transactions occurring on the account, including the above referenced reallocations, will trigger the systematic generation of a billing statementShe may refer to her online account at www.ditech.com, for up to date account informationAs of the date of this letter, the account is due for the May 1, payment of $and has a credit balance of $1,000.00, pending systematic application to the account, in unapplied fundsIf *** *** has any further questions, she may contact her account representatives Sigi Bat ###-###-####, extension ***, or John 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.mCT, and Saturday 7:a.mto 1:p.mCTSincerely, Shea *** Customer Service Correspondence Supervisor cc: *** ***, *** *** *** CHESAPEAKE, VA ***

Initial Business Response /* (1000, 8, 2016/03/03) */
Thank you for the opportunity to respond to the complaint filed by *** regarding his account with Ditech Financial LLC ("Ditech")
The servicing of the above account was transferred from Everhome Mortgage ("Everhome") to Ditech
effective May 1, The servicing transfer does not affect the account terms and conditions, other than those related to the servicing of the account
We would like to apologize for any dissatisfaction you have encountered in dealing with our associatesOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementWe sincerely appreciate you providing us an opportunity to evaluate your situation
Enclosed is a copy of the Loan Modification AgreementPlease be assured that the terms of the modification are currently in effect on the accountMr***'s interest rate is 4.625% and the principal and interest payment is $as indicated on the AgreementAlso, on page two of the Agreement; it explains that the escrow payment may adjust which will make the total monthly change
Our records do not indicate that funds were not applied to Mr***'s escrow account for six months in Enclosed is a copy of the account payment historyAccording to our records, the escrow payment was credited each month in
Enclosed a copy of the escrow analysis completed August 20, 2015, showing the new monthly home and escrow payment will be $1,beginning with the October 1, paymentThe escrow accounts are analyzed by taking into account the total amount of the projected disbursements expected over the next months, and spreading them over months to determine the "base" escrow amountThe projected disbursements are based on the cost of the previous year's disbursements and were calculated as follows:
Projected Escrow Disbursements:
County $5,
Hazard/Fire $1,
Total Projected Escrow Disbursements: $6,
Escrow Payment Calculation: $6,/ = $(Base Amount)
According to Section of the Real Estate Settlement Procedures Act ("RESPA"), Ditech is allowed to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments
The cushion is the lowest scheduled balance the escrow will reachA cushion is retained to allow for possible increases in actual disbursements over the projected amount and is an actual part of the required escrowCushion: $(base amount) x = $1,
A shortage occurs when the projected balance ($1,362.75) is less than the required balance ($2,043.00), but not in the negativeThe escrow account is short in meeting the cushion requirement at the lowest point in the projected analysisThe escrow for Mr***'s account has a shortage balance of $2,that is scheduled for collection over a period of months at a cost of $per month
A deficiency occurs when the escrow reaches a negative balanceThe deficiency balance of Mr***'s account is $1,The deficiency balance is scheduled for collection over a period of months at a cost of $per monthMr*** does have the option of paying the shortage and deficiency in full, which will reduce his escrow monthly payment
Please be advised our system will not allow collection calls to be made during specific hours; therefore, in order to resolve this matter, we have ceased phone communication at this timeIf Mr*** would rather receive phone communication, he may send a written request to the address or fax number listed above
If Mr*** has any further questions, he should contact his account representative Lakeita Pat (800) ***, extension ***, or Johnny Rat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT
Sincerely,
Jared ***
Customer Service Correspondence Supervisor
Initial Consumer Rebuttal /* (3000, 10, 2016/03/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
it appears that your response to at least complaints with bothRevdex.com and consumer affairs always has the same beginning response of providing exceptional levels of servicing but nothing changes and your training to accomplish these goals is a complete failureI also will not contact the account rep nor johnny r for reasons...the account rep is in the eastern time zone which conflicts with my own working hours and whoever johnny r is,well I dont plan on going thru minutes of wasted time before one of your associates actually connects me.The difference between my payments and the amount you of that you document is per month which doesnt justify in any way an increase of $per month.Also your attempt at justifying this increase by citing an RESPA ruling is non existent in Ctnor was it ever part of any mortgage or modification agreement that was agreed tothere is no cushion for you to misappropriate funds as apparently been done now and in numerous complaints already filed against youIm also concerned that the transfer of modification terms from Everhome to Greentree to yourself that it took almost months to come to your conclusions and was only discovered when you came back into existence after years of non existence for unknown reasonsI show no payments from my mortgage into escrow from Aug thru feb and then a payment of $in complete contrast to monthly payments into ewscrow at that time of this certainly appears to be a misappropriation of funds which doesnt surprise me from acompany that has changed names from Everhome to Greentree to DitechI also show per your figures that my property taxes decreased by $and property insurance increased by $50, likewise showing no justification for your increasing my monthly payments by per month for who knows how longoh right your reference to RESPA which is a fabrication on your part and non existent in CTIf and when changes occur in either my property taxes or insurance I will pay the difference at that time or expect a reduction in my monthly payments if such numbers are loweredIt appears that a majority of complaints against your company involve harassing phone calls at inappropriate times which you havent corrected after close to complaints and attempts at using scare tactics to conduce customers in sending inappropriate fees that you attempt to justify with fictitious rulings or lawsBeing cited and penalized by the Vermont attorney general apparently has not stopped these inappropriate violationsThis complete file will now be sent to both the CtAttorney General Office and the Federal Trade Commission to review and take appropriate actionI will agree to pay an additional $for the apparent differences in originally stated escrow payments versus current figures with no attempt on your part to apply the non existent future cushion increases that are baseless
Final Business Response /* (4000, 19, 2016/03/23) */
***Document Attached***
Thank you for the opportunity to respond to the rebuttal filed by Mr*** regarding his account with Ditech Financial LLC ("Ditech")
Records received from the prior servicer, Everhome Mortgage, indicate they did not receive any payments from August through October 2013; therefore, there were no funds applied to the escrow account during this timeIf Mr*** has documentation indicating that payments were made during this time, he may mail or fax proof of the payments to the address or fax number listed above for further research
On November 27, 2013, Everhome Mortgage received a trial period payment in the amount of $1,481.98, which was placed in unapplied fundsAdditional trial period payments were received January 3, 2014, in the amount of $1,481.98, February 4, 2014, in the amount of $1,and February 28, 2014, in the amount of $1,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-modified payments
On January 3, 2014, $1,was combined with the unapplied funds of $1,and $1,was applied to the January 1, monthly home and escrow paymentOn February 4, 2014, $1,was combined with the unapplied funds and $1,was applied to the February 1, monthly home and escrow paymentThe funds received February 28, were combined with the remaining unapplied funds for a total amount of $2,
Records indicate Everhome Mortgage applied the loan modification to Mr***'s account on March 17, On March 19, 2014, $1,of the remaining unapplied funds was applied to the March 1, monthly home and escrow payment and $1,was applied to the escrow account
Further, records indicate that Everhome Mortgage capitalized the negative escrow balance into the loan modification; however, they did remove the funds from the escrow account until they received reimbursement from Fannie Mae, the owner of the loanTherefore, when the account transferred to Ditech, it had a negative escrow balance of $-8,Ditech removed this amount from the escrow account on September 17, and set it up as an advanceHowever, we validated that this balance should have been included with the modified principal balance and the advance was removed from the account on September 18, The October 1, regular monthly escrow payment of $was applied to the account on September 30, 2014, backdated to September 29, This is the reason the escrow analysis completed on August 20, indicates a payment of $9,in September
A cushion of two months of the "base" escrow amount is allowed to be retained per the Mortgage documentEnclosed is a copy of Open-End Mortgage DeedPlease refer to section 3, page for information regarding the cushionThe cushion is the lowest scheduled balance the escrow will reachA cushion is retained to allow for possible increases in actual disbursements over the projected amount and is an actual part of the required escrowThe cushion for Mr***'s account is $1,
According to the enclosed escrow analysis dated August 20, 2015, after the monthly escrow payments were received and the projected tax and insurance payments were made, the escrow account had a negative ending balance of $-1,The starting balance according the analysis should have been $2,043.00, therefore, the escrow account had a deficiency balance of $-1,and a shortage of $-2,Our previous response explained how the deficiency and shortage is being collected
Further, Mr*** may submit additional funds to be applied to the escrow account to offset any shortage or deficiency at the time of the next analysis; however, submitting additional funds will not lower the escrow payment lower than the base payment amountAt the time an analysis is completed, any surplus, shortage and/or deficiency will addressed
As advised in our previous response we have ceased outbound telephone communication to Mr***If Mr*** would rather receive phone communication, he may send a written request to the address or fax number listed above
If Mr*** has any further questions, he may contact our Customer Service Department at (800) ***, Monday - Friday 7:a.mto 8:p.m., 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).We would like to apologize for any misinformation provided to Mr***, and for any dissatisfaction that he has encounteredOur mission is to provide
exceptional levels of servicing and we continuously strive to recognize opportunities for improvement.Please be advised that Ditech processes a final escrow analysis approximately days after a payoff is received to close out the escrow account and to return surplus fundsRecords indicate the escrow refund check of $2,was initially set up to be disbursed to Mr*** on May 28, However, due to a system error, this check was never printed to be mailed.At this time, the system error has been identified and Mr***'s check mentioned above has been sent by overnight mail to him today, June 30, 2016.Again, we sincerely apologize for any dissatisfaction this matter has causedIf Mr*** has any further questions, he should contact his account representative Travis Cat ###-###-####, extension ***, or Bradley 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

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)We would like to apologize for any dissatisfaction Mr*** has encounteredOur mission is to provide exceptional levels of servicing and we continuously
strive to recognize opportunities for improvementPlease be advised Mr***'s account is currently in a foreclosure statusOnce foreclosure actions have been initiated on an account, payments are unable to be accepted if the amount received is less than the amount required to bring the account currentOn September 14, 2016, Mr*** spoke to a Ditech Representative and was advised that the amount needed to reinstate the account is $8,This amount includes $8,for the October 5, through September 5, payments and $for assessed late feesThere is also currently an amount of $in unapplied funds, making the total reinstatement amount $8,If Mr*** has any further questions, he may contact his account representatives Diesha Wat ###-###-####, extension ***, or Lamne Jat 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

Initial Business Response /* (1000, 5, 2015/08/21) */
Thank you for the opportunity to respond to the complaint filed by *** regarding her account with Green Tree Servicing, LLC ("Green Tree")
We understand Ms***'s concernsPlease be assured that her correspondence
has been reviewed with the appropriate department management and the following response is provided
Ms***'s monthly payment includes the principal and interest payment plus escrowThe monthly payment is due on the 1stIf the payment is not received on or before the due date it is considered late and is subject to collection callsIf the payment has not been received by the 17th of the month, a late fee may be assessed to the accountThe payments are applied utilizing unapplied funds ("UAF")This means that only a full payment can be applied to the accountIf the amount received matches the amount due, it will be applied to any payment dueHowever, if the funds are not sufficient to pay the amount billed, they will remain in UAF until another payment is receivedIf additional funds are available after the payment is applied, they will be applied as a principal reduction
The escrow accounts are analyzed once a year, to reconcile payments made to escrow, against any increases and/or decreases in disbursement made from escrow for private mortgage insurance (PMI), homeowner's insurance and/or property taxesAccounts may be subject to one or more of these types of items
At the time of the analysis, any surplus or shortage and/or deficiency are addressedThe analysis is completed by taking into account the total amount of the projected disbursements expected over the next months, and spreading them over months to determine the "base" escrow amountThe projected disbursements are based on the cost of the previous year's disbursementsA cushion of two months of the "base" escrow amount is allowed to be retained pursuant to your Mortgage documents and/or State lawA cushion is retained to allow for possible increases in actual disbursements over the projected amount and is an actual part of the required escrowA shortage occurs when the projected balance is less than the required balance, but not in the negativeA deficiency occurs when the escrow reaches a negative balance
When a customer pays down a significant portion of the principal balance on the account, they may request that the mortgage balance be re-amortized to reduce the mortgage paymentThe interest rate and terms remain the same; however, the principal and interest payment can be recalculated if specific criteria are metThe requirements for a recast modification are as follows:
Any conventional loan with Fannie Mae or Free Mac as the investor
Principal curtailment is more than 10% of the current principal balance
According to account records, Ms*** authorized payments in the amount of $9,and $5,on three occasionsOn the first two occasions of March and March 20, 2015, the payments were rejected as "invalid account number." On March 27, 2015, the authorized payments did transmitAt the time the payments were authorized, the account was next due the April payment of $2,The April payment included the principal of $1,250.33, interest in the amount of $for a total principal and interest payment of $1,and escrow in the amount of $
The authorized payments were applied first to the amount due for the April 1, payment and the remaining balance of $12,was applied as a principal reductionAfter the funds were applied, the account was reviewed for a recastOn April 21, 2015, the account was approved for the recast and Ms***'s monthly principal and interest payment was reduced to $1,Please be advised there were no funds applied to the loan during the recast review
After the terms of the modification were applied to the loan, the May and June payments were applied and backdated to the date the funds were receivedThere were no funds taken from the escrow account to apply a payment to the loan
Copies of the payment history, the recent escrow transaction history, the escrow analyses dated August 1, and August 7, plus instructions for reading the analysis are enclosedAccording to the August 7, analysis, Ms***'s base payment is $and the required balance is $1,Please note the escrow payment is never less than the base payment
We projected the escrow balance would be $in July which is less than the required balanceThe escrow shortage of $1,was determined by taking the required balance of $1,and subtracting the projected balance of $(1,- = 1,170.37)Ms*** was provided the option of paying the shortage in full or over a period of months as a part of the monthly escrow paymentThe amount billed for the shortage is $plus the base payment of $equals the current escrow payment of $713.38, beginning October 1,
Our review indicates the increase in Ms***'s escrow payment was caused by the increase in the amount billed for taxesWe have no control over any increases in the amounts billed for taxes and insurance However, please be assured we would be happy to review Ms***'s escrow further if she has insurance or tax bills that indicate the projections are incorrect
If Ms*** believes a payment was made but not applied to the account and wishes us to research the missing payment, we will require proof of the paymentProof of a payment includes one or more of the following: the front and back copy of the money order or check, an un-altered copy of your bank statement for the period the check was processed or receipts for Western Union, Money Gram, etcPlease send the additional information to the address on this response or the fax number (866) ***
As of the date of this response, the account is due the following:
Month Principal Interest Escrow Amount Due
September 1, 1,
If Ms*** has additional questions regarding this issue, she may contact the account representative, Jesse directly at (800) *** extension *** or Travis at extension ***Our Customer Service is also available to assist and can be reached toll-free at (800)-***, Monday - Friday a.mto p.m., and Saturday a.mto p.mCST
Sincerely,
Shea ***
Customer Service Correspondence Supervisor

Initial Business Response /* (1000, 5, 2015/08/29) */
August 29,
***
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")
Our policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat its customers and third parties with respectWe do not tolerate unprofessional behavior from any of our associatesPlease be assured the responsible department management was notified of Ms***'s concerns which were addressed with the specific associates and resolved
Records reflect her payment of $1,was received on August 7, and was posted to her other account with us in errorOn August 27, 2015, the payment was reversed and applied to the correct account with a property address of ***A late fee was not assessed as a result of this error and no negative information was reported to the credit reporting agenciesAs of today, the account is due for the September 1, payment in the amount of $1,To assist in alleviating this issue in the future, Ms*** needs to contact her bill payment provider and give them her Green Tree account number instead of the prior servicer's account number
We apologize for any dissatisfaction this matter may have causedIf Ms*** has additional account questions, she can contact Customer Service at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT
Sincerely,
Nikki ***
Customer Service Correspondence Supervisor
/kas/
cc:***, ***, Grand Prairie, TX
Initial Consumer Rebuttal /* (3000, 7, 2015/08/31) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When purchasing mortgages from other companies the onus should be on the acquiring company,in this case, Greentree, to coordinate payments and assure proper accountingBlaming the victim is not acceptableI paid Fairway as agreed upon and Greentree and Fairway should have conducted a seamless transactionMy having multiple mortgages with Greentree should have not been a factorI should have not be inconvenienced, mistreated verbally by an employee, or had credit potentially jeopardizedA simple apology and correction would have sufficedUnacceptable!!
Final Business Response /* (4000, 9, 2015/09/09) */
September 9,
***
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 Ditech Financial LLC ("Ditech")
Our payment processor is dedicated to applying all payments received to the correct accountMs*** should have received a transfer of servicing notice from Fairway Independent Mortgage Corporation days before the effective date of the transfer, which was August 1, 2015, informing her that they would no longer accept payments after July 31, We apologize if the notice was not received timely which caused her to send the August 1, payment to themThe payment was forwarded to us and processedRegretfully, the payment was applied to her other account in errorIt was not our intent in our previous response to place any blame on Ms***Instead we were advising her to notify her bill payment provider of the account number change to assist in future payments being processing correctly
If* has any further questions, she should contact her account representative Jess Cat (800) ***, extension ***, or Jonathan Sat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT
Sincerely,
Nikki ***
Customer Service Correspondence Supervisor
/kas/39/
cc:***, ***, Grand Prairie, TX

I am rejecting this response because:
I have provided Ditech LLC with my signature pages to compare with the forged signatures on the loan documents and the financial hardship letter I didn't signed the loan documents or wrote the financial hardship letter I also provided evidence that the date and time on the loan documents were the date that I was at work The fax number on the loan documents belonged to *** ***'s business fax number

Initial Business Response /* (1000, 12, 2015/10/21) */
***Document Attached***
Thank you for the opportunity to respond to the complaint filed by *** regarding his account with Ditech Financial LLC ("Ditech")
Ditech disbursed $2,for flood insurance on January 28, On
February 10, a refund of $2,was applied back to the escrow accountOn July 30, 2015, the annual escrow analysis was completed which included the projected escrow disbursement for the flood insuranceTherefore, the new monthly home and escrow payment increased to $1,beginning with the September 1, payment
After further research, the flood insurance was removed from the account, and the enclosed escrow analysis was completed September 4, 2015, which did not include the flood insuranceAccording to this escrow analysis, the new monthly home and escrow payment would be $1,beginning with the November 1, payment
The escrow accounts are analyzed by taking into account the total amount of the projected disbursements expected over the next months, and spreading them over months to determine the "base" escrow amountPlease note that the disbursements for insurance and taxes both increased since the enclosed initial escrow disclosure statement which increased the monthly base paymentThe disbursements and were calculated as follows:
Projected Escrow Disbursements:
County $2,
Hazard/Fire $1,
Total Projected Escrow Disbursements: $
Escrow Payment Calculation: $3,/ = $(Base Amount) = Total monthly payment of $1,beginning with the November 1, payment
Since the flood insurance was removed, the escrow account had a surplus in the amount of $which was disbursed to Mr*** on 9/7/However, pursuant to his request, this surplus was applied back to his escrow account on 10/14/
When the analysis was completed 9/4/15, it was calculated assuming both the September and October escrow payments received would be $However, the additional analysis completed 9/29/was showing the base amount of $plus a shortage payment of $(which is the shortage difference of $/ 12) for a total monthly payment of $1,709.96, as Mr*** requested that the October payment be adjusted to $from $
A shortage occurs when the projected balance ($2,063.12) is less than the required balance ($2,280.67), but not in the negativeTherefore taking into account the projected disbursements and escrow payments projected to be received, the escrow account has a shortage of $
If Mr*** has any further questions, he should contact his account representative Chad L at (800) ***, extension ***, or Bradley Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT
Sincerely,
Kristina ***
Customer Service Correspondence Supervisor
Initial Consumer Rebuttal /* (3000, 14, 2015/10/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
We still overpaid in the month of September $If they were competent people the charge of the flood insurance would not of been there and we would not of over paid Now for charging us again I don't understand thatThey have more then the required amount in escrow to cover next year paymentsNothing is going up or going down that need more money from usTo close this report and I will make this public, I want to close the escrow account, no charge for doing thatSend me my money and I will take care of next year paymentsThere is enough money in there now to cover, home insurance, and property taxes, and you want to take more money out all year longI can even prove it with my property tax statement and my insurance for next year and the escrow sheet you providedFunny how when this estimate was done in September there was no extra money needed for escrow except the flood insuranceSecond time it was what it was and now the 3rd time you want more moneyHow many time does this need to be done to be correct and which one is correct? I will not close this account until I receive my overpayment in Sept, Oct and soon to be NovemberNothing should of raised and per law you are only to keep 1,extra in escrow, by the end of next year you will have almost 3,How is that right? I'm not good at math, nor as smart as your employees should be, but I can figure this out
Final Business Response /* (4000, 16, 2015/11/05) */
Thank you for the opportunity to respond to the rebuttal filed by *** regarding her account with Ditech Financial LLC ("Ditech")
As previously advised, when the analysis was completed September 4, 2015, it was calculated assuming both the September and October escrow payment received would be $as the new payment effective date did not begin until 11/1/However, since the October escrow payment was adjusted to $pursuant to Mr***' request, this caused a shortage of $when the next analysis was performed on 9/29/15, which is the difference of the amount of $and $Our records indicate the September escrow payment is correctIf this escrow payment is adjusted, it will cause an additional escrow shortage
After further review of the escrow account, it has been determined that the hazard insurance has decreased from $1,as indicated on the escrow analysis projections, to $1,Therefore, we have manually adjusted the base monthly escrow payments from $to $beginning with the November 1, payment, for a total monthly payment of $1,
If Mr*** has any further questions, he should contact his account representative Chad Lat (800) ***, extension ***, or Bradley Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT
Sincerely,
Kristina ***
Customer Service Correspondence Supervisor

RE: Case# ***, *** ***Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech).We apologize for any dissatisfaction *** *** encountered with DitechTo assist customer's in servicing their accounts, we
offer email and text message alertsRecords reflect *** *** was signed up to receive email alertsPlease note, customers can change their email and text message preferences via our websitePursuant to his request, we removed his email from our system on May 3, 2016, and email alerts will no longer be sentIn addition, we ceased solicitations from being sentHis request for compensation has been denied.In addition, records reflect we previously addressed his concern regarding the late fee assessed on October 17, 2015, and a copy of our response is enclosed.If you have any further questions or concerns, please contact ###-###-####, 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 *** *** received on June 10, 2016, regarding their account with Ditech Financial LLC ("Ditech").Ditech makes every effort to credit payments as requestedRecords reflect the payment of $2,812.21, received on March 28, 2016,
intended to satisfy the April 1, 2016, due date was instead posted as a principal paymentThis caused the account to reflect past due and the billing statements to indicate suchTo correct this issue, on June 3, 2016, the payments received on March 28, 2016, April 29, 2016, and May 29, 2016, were reversedThese payments were reapplied on June 4, 2016, and satisfied the April 1, 2016, May 1, and June 1, 2016, due dates bringing the account current.In addition, the late fees assessed on April 16, 2016, and May 16, 2016, totaling $were waived and negative information was not reported to the credit reporting agenciesAs of today, the account is reflecting next due for the July 1, 2016, due date in the amount of $2,812.21.If *** *** has any further questions, she should contact her account representative Cortney Lat ###-###-####, extension ***, or Amber 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*** ** *** ***

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)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 improvementOur records indicate that we received a request from Ms*** to cancel her Private Mortgage Insurance ("PMI") on September 08, On September 29, 2016, we sent Ms*** a letter advising that we would require her request to include an authorization for us to obtain a current Appraisal or Broker Price Opinion (BPO)An authorization form was included in the referenced letterOn October 11, 2016, we received the signed authorization form from Ms***It was determined that Ms***'s PMI would be automatically terminated on March 01, 2017; therefore, our Escrow Department requested a callback be made to Ms*** to advise her of the automatic termination date and to determine if she wanted to move forward with having a BPO completedUnfortunately, the requested callback was never made to Ms***On December 12, 2016, we contacted Ms*** and advised her that the PMI would automatically cancel on March 01, 2017, as long as the account does not become delinquentMs*** agreed that a BPO was not necessary and she would wait for the PMI to automatically terminateIf *** *** has any further questions, she may contact her account representatives Sierra Dat ###-###-####, extension ***, or Daniel Tat 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

Initial Business Response /* (1000, 5, 2015/05/26) */
Initial Consumer Rebuttal /* (3000, 8, 2015/05/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Green Tree Servicing's response is a statement that they will look into this complaint by 6/6/It is
not a resolutionIf they provide a resolution by 6/6, I will accept it at that timeThank you
Final Consumer Response /* (3000, 12, 2015/06/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response from the business because they have NOT addressed why they modified my loan by raising the interest rate and the paymentI applied for a Reinstatement Plan, a Repayment Plan, or a Forbearance Plan as offered through the Green Tree Servicing Mortgage Program as Mr*** states I applied under, but I was deniedThis simply could have added the few late payments to the end of the loan keeping the original interest rate of 2% instead of raising it to 4.65% therefore increasing the payments and also the length of the loanThis unethical offer by Green Tree Servicing added $20,more to my loanMr*** also states that my interest rate increased because it was not a HAMP loan: Mr*** quotes from the Green Tree Trial Period Plan documentation I received and refers to itI would like to quote from that same documentationAccording to the modification provided by Green Tree-(this is a direct quote from their own booklet): "Receive modified terms of your mortgage to make it more affordable or manageable after successfully making the reduced payment during a trial period and completing a or month trial period." Green Tree did not make it more affordable and did not reduce the payment as stated they would in their own documentation!!And I did meet their requirementsI did successfully make the required paymentsBut the payments should have been lowered (ad teir own documentation states), not increasedGreen Tree's advertising is why I applied for the program! Unfortunately, I believed they would helpWhy not? I had been a good customer for almost yearThe payments went up because the past due monies went back in the loanPast due: $2,676, Green Tree added 23,back into the loan instead of $2,Also quoting from the same Green Tree documentation that Mr*** refers to states"We Are Here to Help You." If we thought that this was the kind of help Green Tree would offer, we would have never applied! We only owed $We would have preferred the opportunity to find another means of raising that money and would have completely avoided the new loan they gaveI can tell you exactly why we did sign as Mr*** would like to point outAfter I received Green Tree's new offer I called numerous times to question this when I lived in the home for years, I am working, hardship was resolved, and I wanted to save my home! I just wanted a fair opportunity to do soGreen Tree would not answer the calls, even tried sending faxesNo communication until they called about a month later to warn me that if I did not accept this offer, Green Tree was moving forward with foreclosureAfter all as Mr*** states himself I am only allowed to speak with my "single assigned point of contact"
And speaking of no communicationGreen Tree denied me for defaulting on the loan...Called and discussed frozen pipes, were told to fix the pipes and a late payment would be acceptedI kept my wordFixed the pipes and called to make the paymentNo answerLeave voice mail after voice mailno responseGuess what happened in the mean time? The loan defaultedI think asking Green Tree to state why they would not answer those calls or accept the payment when they agreed to it, is a fair questionIn response to the denial: I was told that a consumer can apply for two modifications, denied for applying onceDenied because the hardship is not resolved, I do not understand why they state it is notThe hardship has been resolvedI can prove itWould like to see Green Tree's proof that it has notAnd denied because I defaulted, well thank you Green Tree for making that possible by not accepting the payments! I do not understand why there has to be so much demeaning disrespect from this businessBank of America and Green Tree did not mind the years of profit from years of consistent, prompt payments that I did make, but when an illness became involved their rep stated "We don't care how long you've owned your house." I would like to ask Green Tree to at least make some fair effort in this complaint to accept my payments and help me bring the loan currentGreen Tree continues to advertise in the pamphlet Mr*** mentions that I received: "We Are Here to Help You." I have NEVER received any offer of help from Green Tree, so either offer me the help you so advertise or please change your advertising so other consumers will not be misled like I haveI applied for help from Green Tree due to that advertisingMany places throughout their pamphlet Green Tree states: "We Want to Help" Start the process of getting the help you need now" "Take Action and Get Peace of Mind" Some peace of mind it will be to be homeless! I would have been better off to go to a loan shark! Oddly, this same booklet instructs on how to spot a scam
I would like Green Tree to abide by their own advertising and offer me some kind of help other than liquidation services as they so gladly offer and no, I do not consider your modification help because of course it made my financial situation worseHelp would have made it better!!!
I will forward Revdex.com with a copy of Green Tree's loan modification documentation showing this advertising by mailThank you for your time
Final Business Response /* (4000, 14, 2015/06/11) */
Green Tree Servicing LLC ("Green Tree") reviewed the above-referenced account for loss mitigation optionsGreen Tree has determined the following:
After further review, Green Tree must respectfully decline the request to retain the Home Affordable Modification Program (HAMP) interest rate schedule and the year term
As communicated in our correspondence letter date May 27, 2015, the previous servicer approved and applied the HAMP terms to your loan effective April 1, This is the Treasury Department's hardship assistance program that allows a basement interest rate of 2.00% but this rate is not for life of the loan or transfers to another modification programWe were unable to offer another HAMP because this program is only offered time throughout the life of the loan
When your loan became past due after the HAMP Modification, the investor of your loan extended an unsolicited Streamline Trial Period Plan on February 10, This Trial Period Plan did not require a Borrower Response Package and had no basis on your monthly gross incomeThe Trial Period Plan offer disclosed a proposed interest rate of 4.625% amortized over a year termThe offer was subject to you successfully completing the trial period paymentsSince you completed the required trial period payments, Green Tree extended the interconnected Permanent Loan Modification Agreement on June 9, The Loan Modification Agreement disclosed the same interest rate of 4.625% and a year term as disclosed in the Trial Period PlanThe interest rate offered at the time of the Trial Period Plan was in line with Fannie Mae's approved interest rate
When the properly executed Loan Modification Agreement was received on June 25, 2014, Green Tree proceeded to apply the new terms to your loan, which meant that any previous modified terms would be voided and replaced with the new agreed termsAt this time, the interest rate was adjusted to 4.625% and the term extended to yearsThe required principal and interest payment went from $to $Therefore, a $increase was caused when the new terms were applied to your loan on June 26, As for the monthly escrow collection, the monthly escrow collection went from $to $268.03, a $increaseOverall, your payment increased by $when the HAMP terms were replaced by the new modified terms
A review of your account confirms that an attempt was made to evaluate your loan under other alternative retention programs offered by the investor of the loanPer investor guidelines, all retention options such as a Forbearance, Repayment Plans and Account Modification except for the Streamline Program require a complete Borrower Response PackageOn February 24, 2014, a Borrower Response Package was received but we were unable to complete the modification evaluation without a properly executed 4506T FormTherefore, an Incomplete Information Notice was mailed on February 28, requesting a complete 4506T by no later than April 2, On March 18, 2014, a second 4506T form was received but all required sections were not completed and also the form reflected an incorrect Social Security number for Mr***Although a third 4506T form was resubmitted on March 20, with the corrected Social Security number, it failed to have all required sections completedA decline letter was mailed on April 2, communicating that all required information had not been provided but the Streamline Modification was still availableAt this time, you pursued the Streamline Modification by making the required trial payments
On April 27, 2015, your loan was once again evaluated for modification consideration after the receipt of a complete Borrower Response PackageGreen Tree was unable to extend a modification under the following modification programs:
HAMP: A previous HAMP approval and applied HAMP terms to your loan effective April 1, HAMP is no longer an option because this program is only offered time throughout the life of the loan
Fannie Mae Mod: Eligibility was not meet because a HAMP modification has been approved and lost good standing
FNMA Cap & Extend Modification: The hardship is not temporary and has not been resolved since the HAMP Modification
FNMA Standard Modification: Eligibility was not met because, it was determined that you defaulted on a prior modification within the first months of the effective date of the mortgage loan modificationThe records confirm that the Loan Modification Agreement extended with an effective date of June 1, lost good standing when the December payment was not remittedBecause a payment default occurred within the first months of the effective date this disqualified your loan from this programThis also disqualified your loan from meeting the Fannie Mae Mod requirements
Green Tree was unable to consider your loan for a Short Term Forbearance because the hardship was long termAdditionally, a Short Term Repayment Plan would require you repay the past due amount within nine (9) monthsThe past due amount would be spread over the set time frame and added onto your current existing mortgage paymentsThis option would have not decreased your monthly mortgage payment but would have increased it for a month courseThis was not a viable option under your disclosed circumstances
In the event that your loan had been eligible for HAMP during the modification evaluation conducted on April 27, 2015, a modified target payment of 31% of your income would have to be createdThis amount would have included principle, interest, monthly escrow collection for property taxes and homeowner's insuranceA review of your loan shows that the required mortgage payment at the time of evaluation was $1,(P&I and monthly escrow $329.82)Green Tree validated your gross monthly income as $3,therefore; a 31% targeted payment based on your income would be $1,The current mortgage payment of $1,is lower than the 31% targeted payment, which means that your current mortgage payment is affordable based on the Treasury Department and investor's guidelines
If you should have any additional questions, you may contact your Single Point of Contact,***., at ***, extension ***, extension ***, Monday through Friday from 7:a.mto 8:p.mCT

I am rejecting this response because:
I am happy that the missing payment was finally appliedBut now I need written confirmation that if I make an advance payment in the future that I can designate where it will be applied

Initial Business Response /* (1000, 9, 2015/06/30) */
***Document Attached***
June 29,
***
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")This response also addresses additional correspondence we received from Ms*** on June 22, regarding the same concerns
A Notice of Default was sent to Ms*** on April 8, advising the delinquency needed to be cured within days of the date on the notice or we could initiate foreclosureA subsequent notice was sent to her on April 21, informing her of the amount needed to bring the account currentCopies of these notices have been enclosedThe account was not brought current and foreclosure was initiated on May 27, A notice was sent to her on May 28, informing her the account had been referred to an attorney to initiated foreclosure and a copy is enclosed for your reference
Once an account is in a foreclosure status, the entire past due amount plus any legal fees/costs need to be paid in order for the foreclosure action to be stoppedThe funds Ms*** sent in the amount of $5,was the amount referenced on the June 1, billing statement and not the amount needed to reinstate the accountTherefore, the funds were returned to her
If Ms*** wants to discuss loss mitigation options, she can contact the account representative Delitha Lat (800) ***, extension *** or the account manager Khagendra Sat extension ***In addition, a reinstatement quote will be sent to her under separate cover
We apologize for any dissatisfaction this matter may have causedIf Ms*** has additional account questions, she can contact Green Tree at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT
Sincerely,
***
Customer Service Correspondence Supervisor
/kas/
cc: ***, ***., Nineveh, IN