Ditech Financial, LLC

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)As of August 31, 2015, we changed our name from Green Tree Servicing LLC to Ditech Financial LLC
This was simply a name change and Mrs***'s account was not transferred to a new servicer, nor were there any changes to the account terms or conditions as a result of the name changeOn November 13, 2009, *** and *** *** executed a Home Affordable Modification AgreementPer the modification agreement the principal and interest portion of Mrs***'s payment would be adjusted to $effective with the January 01, due dateAs of January 01, the escrow portion of Mrs***'s payment was $584.59; therefore, the total payment amount due for the January 01, due date was $977.73, which was reflected on the billing statement dated December 12, Copies of the modification agreement and the January billing statement have been enclosed for your referenceThe payment hierarchy requires a full payment to be received before a payment can be applied to the due dateWhen partial payments or additional funds are received, they are automatically placed in unapplied funds We received a payment of $on January 13, 2016, which was placed into unapplied funds as it was not sufficient to satisfy the amount due for the January 01, due dateWe made multiple attempts to contact Mrs*** regarding the remaining amount due for the January payment including sending a delinquent notice on January 18, and a billing statement on January 21, 2016, which indicated a past due amountCopies of the delinquent notice and February billing statement have been enclosed for your referenceOn February 11, 2016, we received the remaining amount due for the January 01, payment and the total amount due for the February 01, paymentOn December 04, 2015, we completed an escrow analysis for Mrs***'s accountAs indicated on the Annual Escrow Account Disclosure Statement the escrow portion of Mrs***'s payment was increasing to $plus an escrow shortage payment of $for a total monthly payment of $1,effective with the February 01, due dateThe information reported to the credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) was deemed to be true and correct according to account recordsWe have not received any new information or documentation to support Mrs***'s dispute of the information provided and our position has not changedDitech does not change credit reporting as a courtesy or to facilitate restoration of a customer's credit rating.If *** *** has any further questions, she may contact her account representatives Yolanda 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

I am rejecting this response because:
August 26, *** *** ***
*** *** **
*** ** *** Ms*** *** Revdex.com of Minnesota and North Dakota Mediation Coordinator S River Ridge Circle Burnsville, MN Dear Ms***, I would like to apologize for the delay in responding to Ditech’s response due to a family medical emergency. We only began to go through the related paperwork and realized today was the deadline for addressing this complaintWe did receive a communication from Ditech’s Customer Service Department dated August 4, regarding our account with them. The letter was slightly confusing because it stated they would not collect any more from us until this matter was resolved. But it ended with a statement that this was from a debt collector and it was an attempt to collect a debt. I have attached a photo of this letter for your reviewWe received a copy of the packet and cover letter you received dated August 10, 2016. We understand the explanation on the coversheet of that packet for those dates listed. However, we are wondering where the remainder of the payment amounts have gone. They are not in in the UAF account waiting to be applied to the next full payment. If my understanding of their explanation about the Unapplied Funds Account is correct shouldn’t the balance be in that account until another full payment can be made? My wife and I are having difficulty understanding where the remainder of this money has gone to and are contacting our Credit Union to assist us with reading the packet entries in hopes of making sense of thisI am requesting an extension of some sort to provide additional time to get a clearer understanding of this information Sincerely, *** ***

RE: Case#11452806, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding *** ***'s account with Ditech Financial LLC (Ditech)Pursuant to Ms***'s correspondence, a review of the account has determined that the inability to make online payments is a known website issueDue to the coding of the account in relation to the payment issue occurring in June, our website will not allow online payments for the accountMs*** may be advised that a correction is in progressShe should allow to business days for the correction to be effectiveIn reference to the lack of contact, Ms*** should be advised that the account is coded for no outgoing phone calls to her home phone numberThis "do not call" account coding combined with the inability to correct the issue at the time, resulted in the lack of return phone communicationWe apologize for any dissatisfaction that this may have causedIf Ms*** has any further questions, she may contact the account representatives Yolanda Pat (800) 643-0202, extension 85045, or Jerry Mat 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.mCTSincerely,Shea *** Customer Service Correspondence Supervisor cc: *** ***, MTN LAUREL DR, EFFORT, PA ASWx66dF3wl

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)Mr***'s request for a reimbursement of $was processed on August 12, A check was mailed to Mr
*** at his mailing address on August 15, Billing statements are generated 2-days after each payment received, regardless of the timing or amount of the payment received or if a reallocation is completed on the account a billing statement may be generatedIf no payment is received, a billing statement is generated 2-days after the late fee assessment dateThe 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 accountMr***'s monthly payment amount increased from $to $1,effective with the July 01, due dateOn July 15, 2016, we received Mr***'s payment of $812.00, since it was not sufficient to satisfy the total amount due for the July 01, due date the funds were placed into unapplied fundsOn July 28, 2016, we received a payment of $1,039.75, which was combined with the unapplied funds balance for a total of $1,and applied to the account as follows; $1,was applied to the July 01, due date, $was applied as additional escrow due to the negative escrow balance, $was applied to late fees, and $was applied as additional principalAfter that payment was applied a billing statement was sent to Mr*** reflecting a principal balance of $92,On August 12, 2016, we received a payment of $1,020.00, which was placed into unapplied fundsIn addition, we reversed the funds in the amount of $1,in order to reimburse Mr*** the payment of $as he requestedUnfortunately, prior the remaining funds of $2,being reapplied to the account a billing statement was sent to Mr*** reflecting an amount due of $3,On August 17, 2016, the funds in the amount of $2,were reapplied to the account as follows; $1,was applied to the July 01, 2016, due date, $1,was applied to the August 01, due date and the remaining funds of $were applied to the negative escrow balanceA billing statement was then mailed to Mr*** reflecting $2,was previously in suspense, not currently in suspense and a principal balance of $92,The principal balance was increased as the principal only payment of $was reversed and was part of the reimbursement funds sent back to the customerThe late fees of $were also waivedWe sincerely apologize for the confusion this matter has caused Mr***.As of the date of this correspondence, Mr***'s account is next due for $1,for the October 01, due date.If *** *** has any further questions, he may contact his account representatives Marla Dat (800) ***, extension ***, or William Fat 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.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)Please be advised that we credit all payments for the date receivedOur records show that we received check 23911798, in the amount of $2,789.17, on September 19, This check was dated September 14, Enclose is a copy of the check for your reviewHowever, we have waived the late fee in the amount of $that was assessed to the September due datePlease be assured that no negative information was reporting the credit reporting agencies regarding this matterAs of the date of this correspondence, the account is next due for the December 1, due date in the amount of $2,If Mr*** has any further questions, he may contact his account representatives Suzalene Oat ###-###-####, extension ***, or Lawana 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

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)While Mr***'s account was being boarded on to Ditech's systems, the escrow items were set up with incorrect disbursement datesThis prevented the tax
disbursements from being sent when they were dueAdditionally, the insurance premium should have been collected and paid at closing, but was not, which resulted in the cancellation of Mr***'s policyDitech's records reflect that Mr***'s taxes were due on October 15, We sent the tax payment overnight to Gwinnett County on December 27, 2016, along with the penalty and interest payment of $Due to an internal processing error, the penalty and interest payment of $was assessed as an escrow item appearing on the enclosed Billing Statement dated December 28, 2016, under Transaction Activity as "HOA"However, on January 27, 2017, we reimbursed the penalty and interest payment of $back to Mr***'s escrow accountPlease be assured our records do not show Mr*** has an HOA paymentIn addition, our records reflect that Mr***'s insurance policy was renewed and we disbursed the premium of $to Farmer's Insurance on January 23, We sincerely apologize for any inconvenience or dissatisfaction Mr*** has experienced as a result of these issuesWe have confirmed that the issues have been resolved and the account settings have been corrected to prevent this from happening again in the futureMr*** has any further questions, he may contact his account representative Zena Dat (800) ***, 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.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).Our records indicate that Ms*** filed Chapter bankruptcy on September 17, and discharged on January 10, When a consumer files bankruptcy,
there is not an option to choose which debts will be "included" in the actionAll debts must be declared and any secured property becomes property of the estate of the bankruptcyThe bankruptcy was discharged without reaffirmation of the loanWhen Ms.*** filed bankruptcy and did not reaffirm the loan, she discharged her obligation to the loanBecause she discharged her obligation to this loan, Ditech's tradeline will not be present on her credit report.If Ms*** has any further questions, she should contact our Customer Service Department 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 rebuttal filed by *** *** regarding his account with Ditech Financial LLC (Ditech)Please be advised that Mr*** had two accounts with Ditech; account *** and ***Records show that Ditech submitted information to the major credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) in May 2017, to delete our tradeline for account ***, as the foreclosure was completed prior to the transfer of the account to DitechTo ensure the tradeline has been removed for this account, we sent another update to the credit reporting agencies on October 31, Account *** was included in a foreclosure sale on 7/26/It appears that this is the account that Mr*** is seeing on his credit reportWe are reporting this account as, 'Foreclosure sale completed on July 26, 2011, was days past due'The first date of delinquency on this account is January 1, Negative reporting may remain on credit reports for seven years; therefore, the seven year mark for Mr***'s account will not be reached until 1/1/After that date, the Credit Bureaus should delete this tradelineMr*** may also contact Ditech after this date to send an update to delete the tradeline for this accountBoth accounts have been charged off and Fannie Mae is now the owner of recordSince Ditech no longer services either account, Mr*** may contact Fannie Mae at the below address or phone number for any further questions he may have regarding the accounts.Fannie MaeWisconsin Ave., N.WWashington, DC 20016-###-###-####

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 that interest and escrow charges are included in the regular monthly paymentThe 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 contract and the servicing protocols of the account.Ms***'s account uses actuarial interestActuarial interest is a very common type of interest for many loansThis interest is based on a 360-day year with twelve day monthsInterest is charged every day that the customer is using the investor of the loan's money, however, with actuarial interest, no matter whenwe receive the payment, days of interest will be taken out of that paymentIf we receive the payment days late, there will still be days of interest taken out of that paymentIf the customer pays ahead by a month, even though there has been no interest earned for the future month, we will take days of interest out of the paymentWhen paying the loan off, interest will be assessed on a daily basis from the last monthly payment received until the day the payoff is receivedHere is an example:Current Principal Balance: $11,004.79Interest Rate: 4.750%Regular Payment Amount without Escrow: $560.04Multiply the current principal balance times the customer's interest rateThis equals the customer's yearly interest amount at this principal balanceWhen this principal balance is reduced, the amount being calculated as yearly interest is reduced also.$11,x = $522.73Divide the yearly interest amount by (months) which will be the amount of the payment received that will be applied towards the interest.$ / = $43.56Subtract the amount of interest to be collected from the payment receivedThis will be the amount of the payment to be applied towards the current principal amount.$- $= $416.48By subtracting the amount of principal from the current principal balance, you will get a new current principal amount which will be used the next time a payment is received.$11,-$= $10,588.31While Ms*** does have the right to make pre-payments towards the principal balance of the account, the regular monthly payments are still applied with interestPer the terms of the Note, prepayments must be declared in writing and, per the terms of the Deed of Trust, payments received are applied first the amounts due prior to the application of funds to the principal balanceRecords indicate that the payments received have been remitted by electronic bill pay payment, which does not include payment application instructionsTherefore, they were applied per the payment hierarchy outlined above.Please be assured, Ditech makes every effort to credit payments as requestedThe payment of $1,300.00, received on June 4, 2016, and applied to the account as the July 1, 2016, contractual payment and additional funds of $574.42, have been reallocated and applied as a principal reduction paymentWe have requested that the account be coded to systematically apply any payment received, when there is no contractual payment due, to the principal balanceThe corrected principal balance will be indicated on the next statement generated for the account.We would like to apologize that the service Ms*** received was not to her satisfactionIf Ms*** has any further questions or concerns, she should contact her account representatives, Fallon Rat ###-###-####, extension ***, or Sherry 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.Sincerely,Kristina ***Customer Service Correspondence Supervisorcc: *** ***, COUNTRY MEADOWS DR, GASTONIA, NC ASWidsI5VIy

Thank you for the opportunity to respond to the complaint filed by Ronda *** regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any dissatisfaction Ms*** has encounteredPlease be advised Ms***'s account was paid in full as of June 21, 2016, and
the payoff was backdated to May 5, 2016, subject to collected funds.If Ms*** has any further questions, she should contact her account representative Marie Oat ###-###-####, extension ***, or Jonathan 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.mCT

I am rejecting this response because:
The response we received was neither helpful nor resolved our claim. That is our issue, they cannot find the account number that was a Green Tree number so have been unwilling to sign a lienwaiver so the title can be transferred to another party.We should not have to resubmit, we have submitted everything that was asked of us previously, they are wasting our time. We need a signature on the lienwaiver, that is the only remedy

RE: Case#*** , *** ***Thank you for the opportunity to respond to the complaint filed by *** *** regarding their account with Ditech Financial LLC (Ditech).The servicing of the above account was transferred from Residential Credit Solutions, Incto Ditech effective February 16,
Please be aware, the account is currently being reviewed, we are in the process of having funds reconciled correctly on the accountPlease allow for additional time for this to be completed.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 Sincerely,Shea *** DitechCustomer Servicecc: *** ***, ** *** *** GRANITE CITY, IL ARShQTqhyKl

***Document Attached***
March 17,
*** ***
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 rebuttal filed by *** *** regarding his account with Ditech Financial LLC ("Ditech")
A collection call was placed on January 18, 2016, in error, because *** *** was set up on our AutoPay programWe apologize for the collection call and for not returning her callFurther review determined we did reimburse $for the two bank fees; however, the $Speedpay fee was not reimbursedPlease be advised, a check was generated on January 16, 2015, in the amount of $12.00, and will be mailed to the address below:
** *** **
Wellsburg, WV
*** *** can expect to receive the check in approximately 7-business days
We 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 (800) ***, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT
Sincerely,
Jared ***
Customer Service Correspondence Supervisor
/kas/42/
cc: *** ***, ** *** **., Wellsburg, WV
(Case# ***.pdf)

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)We would like to apologize for any dissatisfaction Ms*** has encountered with her escrow accountPlease be advised we have set up parcel *** on Ms
***'s escrow account pursuant to her request; however, this parcel was not on the legal description, only parcel *** was on the legal descriptionTherefore, the penalty and interest of $is the responsibility of Ms***Please be assured that the incorrect parcel, ***, was removed from Ms***'s escrow account and a refund was credited to her escrow account on August 11, 2016, in the amount of $A new escrow analysis was completed on August 15, 2016, which included the taxes for parcel *** and parcel *** totaling $1,The new monthly home and escrow payment will be $1,beginning with the October 1, due dateIf Ms*** would like to cancel the escrow account, we will require a signed written requestThe request can be mailed or faxed to the address or fax number listed belowDitech Financial LLC Attn: LEscrow Department *** *** *** *** StPaul, MN Fax: ###-###-#### If Ms*** has any further questions, she should contact her account representative Lisa Fat ###-###-####, extension ***, or Emmanuel 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

May 23, *** *** Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 55337 RE: Complaint ID #, ***, *** ** *** Dear *** ***:
Thank you for the opportunity to respond to the complaint filed by *** ** *** regarding her account with Ditech Financial LLC (“Ditech”). The servicing of the account was transferred from *** Bank, FSB to Ditech effective October 1, Records reflect the account was transferred to Ditech reflecting only one parcel number attached to the propertyTherefore, garage taxes were not being paid via the escrow account. Please be advised, we contacted the county and we were advised the following garage taxes needed to be paid: first tax installment, in the amount of $second tax installment, in the amount of $first tax installment, in the amount of $ As such, we paid the above referenced amounts from the escrow account on May 12, 2016, and May 16, *** ** *** is not responsible for any penalties and interest assessed by the county as a result of this oversight and these fees were not disbursed from the escrow account We apologize for any dissatisfaction *** ** *** encountered as a result of this issue We 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, Nikki *** Customer Service Correspondence Supervisor /kas/50/ cc: *** ** ***, *** ** *** *** *** *** Chicago, IL *** ** *** ***

I am rejecting this response because: #We did execute a modification on our home through the ( HAMP ) Program #When our mortgage was transferred in June from Residential Credit Solutions to DITECH we HADN'T been late making our mortgage payments to Residential Credit, If so there WOULDN'T have been a HAMP incentive credit given to our principal account to DITECH. #DITECH made our account delinquent by all of the misrepresentation from the customer care representatives that we had spoken with during this ordeal, that has now stopped us from receiving the yearly incentiveDITECH has beat around the bush on this matter since it first occurred in October DITECH will not take the initial blame for this mishap, nor will they fix the problem as for our yearly incentive through the HAMP programI'm on disability since and my husband is a ARMY VETMy husband was laid off work in October 2016, but we were still able to make our mortgage payments as scheduled with my income and his unemployment paymentsOnce we were told about the reallocation of the money in the account going towards the November and December mortgage payments, we decided to payoff medical bills that we had, because according to the customer care representatives the November and December mortgage payments would be made using the reallocation money in the account. DITECH has only made the account our fault for being behindIn the statement they sent to the Revdex.com, they are still stating our account is delinquent, but not because of them, because of us! We do understand now that the money that was suppose to be reallocated is for Principal only, but we were told that in January According to DITECH'S mortgage payments, an account isn't delinquent until AFTER the 17th of the month, they had us delinquent for December, January and February, how! DECEMBER and JANUARY wasn't our fault, they were still supposedly working on the account to repair the mishapI have the statements they sent through the mail regarding the issueWe're hoping for a resolution of this matter and for DITECH to get our account back on track, thanks for you're time*** *** *** ***Lewisburg, Tn 37091-

Initial Business Response /* (1000, 10, 2015/06/17) */
Thank you for the opportunity to respond to the complaint filed by Lanita *** 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
As indicated by Ms***'s letter, the escrow for her account was not required when she originated her loanAccording to our records, in February 2012, Ms*** contacted us to find if escrow for taxes could be added to the loanWe researched her request and found the taxes were due for On February 23, 2012, Green Tree disbursed funds in the amount of $1,for taxes, which started the escrow account with the negative escrow balance of $1,
Please be advised 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 itemsMs***'s escrow is set up for taxes onlyAt the time of the analysis, any surplus or shortage and/or deficiency are addressed
The 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
Copies of the analyses for Ms***'s account, along with instructions for reading an analysis are enclosedAt this time, Ms*** has a negative escrow balance of $In response to Ms***'s letter we reviewed options for Ms*** to have the escrow cancelled in the near futureIn order to cancel the escrow, the account must be paid current and the escrow cannot have a negative balanceTherefore, there is not an option to cancel the escrow at this time
If Ms*** has additional questions regarding this issue, she may contact the account representative, Tanisha directly at (800) *** extension *** or Kathleen 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 A***
Customer Service Correspondence Supervisor
Initial Consumer Rebuttal /* (3000, 12, 2015/06/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am aware of the negative balance owed and as indicated, I will happily pay the negative/shortage for past year's taxes paid on my behalfI just do not desire Greentree to pay my taxes in December, hence the reason for trying to get this taken care of nowAs this option to settle the negative balance in order to cancel the escrow was not offered in Greentree's response, I would like them to provide me with the opportunity to pay the balance owed and reassure me that upon making the payment that it will be applied to the said balance and not towards the principal payments like they've done in the pastAgain, if escrow is not a requirement and as long as I do not have a negative balance then I would like to cancel itI look forward to Greentree providing me with the necessary information and steps to get this negative balance paid and my escrow account cancelledAlso, the individuals at the numbers provided have not been responsive to me as I've attempted to work with them to resolve this matter in the past
Final Business Response /* (4000, 14, 2015/06/23) */
This letter is in response to the rebuttal filed by Lanita *** regarding her account with Green Tree Servicing, LLC ("Green Tree")
Ms***'s issue was again reviewedOn June 19, 2015, Ms***'s account was again denied the escrow cancellationThe reasons provided were due to the account has had late payments and has a negative escrow
Please be advised there is no option to discontinue the disbursement for taxesWhen an account is escrow for taxes, we are required to continue paying the amount billedTherefore, we will continue to pay the taxes for as long as the account includes escrow
If Ms*** has additional questions regarding this issue, she may contact the account representative, Tiffany directly at (800) *** extension *** or Christy 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 A***
Customer Service Correspondence Supervisor

Initial Business Response /* (1000, 8, 2015/06/04) */
June 4,
***
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")Let me assure you we take these matters very seriously
The servicing of the account was transferred from CitiMortgage Inc("CitiMortgage") to Green Tree effective September 1, This transfer of servicing did not affect any terms or conditions of the mortgage instruments other than the terms directly related to the servicing of the account
Green Tree does not own nor did we originate the above referenced loan; we merely service it for a third partyRecords reflect the both Mrand Mrs*** signed the Note and Mortgage at originationHowever, CitiMortgage removed Mr***s name from the account prior to the transfer of servicing and Green Tree has not received a copy of the death certificate informing us of his passing
Court documents reflect that a Chapter bankruptcy was filed on August 30, and the debt was discharged without reaffirmation on January 24, Although the debt was discharged in the bankruptcy and Ms***'s no longer had an obligation to pay the debt, the lien on the property survives dischargeIn order to enforce the lien foreclosure must be initiated
Before foreclosure can be initiated, Green Tree is required to provide all borrowers with certain noticesAs such, notices were addressed to Mr***, although he is deceased, per state/federal regulationsAs of today, the account is not in a foreclosure statusGreen Tree received and reviewed the deed-in-lieu of foreclosure and the request was denied because there is a second lien on the property
Green Tree is not attempting any act to collect or recover the discharged debt but may contact Ms*** to determine her intensionsPursuant to her request, Green Tree has ceased all outbound telephone communication
We apologize for any dissatisfaction this matter may have causedIf Ms*** has additional account questions, she can contact *** at (800) ***, extension *** or Customer Service Department at (800) ***, Monday - Friday AM to PM, and Saturday AM to PM CT
Sincerely,
***
Customer Service Correspondence Supervisor
/kas/
cc: ***, *** Bristol, IL

I am rejecting this response because: I understand that Ditech may have never charged a fee to participate in their biweekly ACH payment program but the mortgage company that I originally dealt with this loan did charge a fee and I have only entered into a mortgage agreement with your company only by the fact that you purchased my mortgage from another company. You agreed to the terms of the original agreement on my loan when you purchased my mortgage and have continued this collection process for years until now. This is an unfair collection process that you continued to abide with the original loan agreement of bimonthly payments until this time

I am rejecting this response because:
I have been in contact with ditech many times and have kept record of all the communications My first complaint comes that every time I call,I get a different person and I have to explain the situation in detail and wait for the representative to read my file on the computer screen I asked for one person to be assigned to my case and that was denied Second, I keep being told to fax information but the fax number never works so I end up spending money for my paperwork to be sent via tracking mail I have spent a year on this case and ditech has no proof that they own this account, I did not even know they were on my house title until I went to sell! Since then, I have lost the sale of the home and can't sell now because ditech is unwilling to help resolve this issue between them and Bank of America Ditech says they own the loan but they are not proving that they have the paperwork to show that they do yet they want Bank of America to provide more proof....what is more than a copy of the payoff check for this loan? It is as if me and my house are hostage and they will not release it nor provide me the proof that this loan belongs to them and not Bank of America who has given me more proof than ditech.Please help!