Ditech Financial, LLC

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech). Please be advised that Ditech reissued the escrow surplus check in the amount of $141.33 on August 23, 2016, to the following address: [redacted] Logan,...

IA 51546. If Mr. [redacted] has any further questions, he may contact his account representatives Scott P. at ###-###-####, extension [redacted], or Shanna S. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

RE: Case#[redacted] , [redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any inconvenience that may have been caused. Account records indicate that check...

number [redacted] in the amount of $3,144.23 was mailed on July 13, 2016. Unfortunately, we are unable to compensate [redacted] for any interest as requested. As the check has already been sent by regular mail we are unable to overnight the funds as requested.If [redacted] has any further questions, they should contact their account representative Jeremiah S. at ###-###-####, extension [redacted], or Emmanuel M. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted], NEW CASTLE, CA 95658 [redacted]

April 11, 2016 [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA [redacted] RE:  Case #[redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account...

with Ditech Financial LLC (“Ditech”).  We previously received a similar complaint directly from [redacted].  We have enclosed copy of our response dated April 7, 2016. If [redacted] has any further questions, she should contact our Asset Receivables Management Department at (877) 835-6465, Monday – Thursday, 6:00 a.m. to 7:00 p.m. MT, and Friday 6:00 a.m. to 12:00 p.m. MT. Sincerely, [redacted] Customer Service Correspondence Supervisor [redacted] cc: [redacted] Tell us why here...

RE: Case#[redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).Please note, Ms. [redacted]'s account type requires that only a full payment be applied to the next monthly payment due date....

Payments 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 balance. This form of payment posting is determined by the mortgage contract and the servicing protocols of the account.Records indicate Ms. [redacted]'s monthly payment was increased, effective March 1, 2016 as a result of an escrow analysis completed on January 4, 2016, from $2,354.70 to $2,410.18. In order to avoid the payment increase the escrow shortage was to be paid prior to March 1, 2016, at the designated escrow payment address. Our records do not indicate that the shortage was paid prior to March 1, 2016, therefore the monthly payment increased to $2,410.18. A copy of the Escrow Account Disclosure Statement is enclosed for Ms. [redacted]'s review.Payments received for the account on March 1, 2016 and April 1, 2016, were remitted in amounts less than the full payment and were therefore, applied to the account per the above mentioned payment hierarchy.On April 11, 2016, an additional payment of $429.53 was received. This payment is unable to be applied to the escrow shortage to reduce the monthly payment, because it was received after the required March 1, 2016 date. Of this payment $110.96, was combined with the balance of UAF and applied to the April 1, 2016, contractual payment. The amount of $318.57, was applied to the escrow account.On April 29, 2016, a payment of $2,354.70 was received and was placed in UAF as the amount was insufficient to allow the application of the full payment due to the account. On April 30, 2016, this payment was systematically applied to the account's principal balance.On May 4, 2016, an additional payment of $19.69 was received and was placed in UAF.On June 1, 2016, a payment of $2,410.18 was received and was applied to the May 1, 2016, contractual payment.Pursuant to requests made with our Customer Service, reallocations of the above referenced payments were attempted. The reallocations completed did not cure the deficiency of funds within the monthly payments received and the account was not brought current. On July 30, 2016, the payments were correctly reallocated and applied to the account for the April, May, June and July payments. The late fee of $57.25, assessed to the account on May 16, 2016, as a result of this issue has been waived as a courtesy. As of the date of this letter, the account is due for the August 1, 2016, contractual payment of $2,410.18.Ms. [redacted] may be assured that negative credit reporting has not occurred as a result of this issue. If Ms. [redacted] has any further questions, she should contact her account representative Kristina E. at ###-###-####, extension [redacted], or Brett W. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.Sincerely, Shea [redacted]Customer Service Correspondence Supervisorcc: [redacted], BRAINTREE, MA 02184 [redacted]

RE: Case#[redacted], [redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech). We apologize for the dissatisfaction that this matter has caused Mrs. [redacted]. Our mission...

is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. Please be advised, due to a printing error the original escrow check dated September 01, 2016 was not issued until September 27, 2016. However, we have placed a stop payment on the check that was mailed to Mrs. [redacted] and the funds will be wired directly to her bank account on October 18, 2016. If [redacted] has any further questions, she may contact her account representatives Shenika W. at ###-###-####, extension [redacted], or Jerry M. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

RE: Case#[redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech).Our records indicate that you filed Chapter 7 Bankruptcy on October 11, 2005. The bankruptcy was discharged without reaffirmation of this debt. When you filed bankruptcy and did not reaffirm the account, you discharged your obligation to the account.Please be advised, discharge of the debt in the bankruptcy removes the obligation to pay, however the lien on the property survives discharge. After discharge we must follow state requirements for foreclosure in order to enforce the lien.If [redacted] has any further questions, they should contact their account representative Camry R. at ###-###-####, extension [redacted], or Danae W. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted], DALLAS, TX 75374 [redacted]

I am rejecting this response because:I did speak with someone regarding the loan modification application, but she did tell me to go to their website, an unfortunately there are 3 different types of loan modification apps. I have called over and over again.  Especially to my rep Latoyia's number.  Very seldom you can leave her messages because hey message system is full, and she never calls me back when I do leave her messages.  Her supervisor called me back once, but when I had called him back a few times afterwards and left voicemails for him abs him meaning Erik, Latoyia's supervisor, this is apparently a fairly new department, horrible at their job, I had to call and make it seem like I was putting in for a new loan just to hey someone else on the phone to help me, and ask they did wad tell me to go to their website.  Haven't been able to hey anyone on the phone since.  The worst place to call ever, especially worth a mortgage.  Like they purposely want people to lose their homes.  Just sickening.  We're a family of five, been fighting back, neck and brain surgeries, have been in our home for over 16 years. Not looking to move out just yet. Need or mortgage company to work with us, not ignore us.  They are the worst by far.  This is the 4th back in the past 10 years. Never had these many issues in such little time.          As far as the insurance claim, I had only explained what I was told.  I keep getting different explanations from different people.  Would be nice to speak with a manager regarding the process of how the process works, because we keep getting mixed information and with the entire process we have 2 middle men on this entire process which just makes the whole process that much more difficult and that much more time consuming.  I appreciate your time.  Thank you.

Please be advised that the payment history for the account is not reflected accurately on the website.  We have enclosed a payment history, which accurately reflects the payments received and the reallocations that have taken place on this account.  In February 2016, Mr. [redacted] enrolled...

in our biweekly automatic payment program (ACH). Unfortunately, the payment hierarchy in place for the account caused the half payment of $670.05 received on April 22, 2016 and the half payment of $675.32 received on July 29, 2016 to be applied as principal only payments. Because of this, the account became delinquent and late fees were assessed. To correct the error, we had to reverse all payments received from April 22, 2016 through August 26, 2016, which equaled $7,402.89. Please note that an escrow shortage payment of $43.57 was received on June 06, 2016 and was not included in the reallocation. Once the payments were reapplied they were backdated to ensure proper credit to Mr. [redacted]'s account. Additionally, the late fees assessed were waived and the account was not reported as delinquent to the credit reporting agencies due this matter. Please note that by reversing the principal only payments referenced and reapplying them correctly as principal, interest, and escrow, the principal balance increased. Mr. [redacted]'s account accrues interest using the actuarial method. Actuarial interest is earned and paid in arrears; therefore, the interest owed will be for 30 days regardless of when the monthly payment is received. If Mr. [redacted] makes his payment prior to the due date, he will pay 30 days of interest for the prior month's accrual. Likewise, if he makes his payment after the due date, he will also pay 30 days of interest for the prior month's accrual. When paying the account in full, he will be assessed interest on a daily basis from the last monthly payment received until the day the payoff is received.

RE: Case#[redacted], [redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to assure Ms. [redacted] that Ditech makes every effort to credit payments as requested....

Records indicate that on April 30, 2016, a payment of $1,849.00 was received at our payment processing center. The payment was applied to the account's escrow, per the included payment coupon, which indicated that the payment was intended for escrow. A copy of the payment coupon is enclosed for Ms. [redacted]'s convenience.On May 17, 2016, a request to reallocate the referenced payment from escrow to the May 1, 2016, contractual payment was requested. Unfortunately, due to a recent internal system upgrade, all reallocation request have been delayed. An additional request to escalate the reallocation was made on June 10, 2016, but was not completed until June 27, 2016. The late charge of $44.22, that was assessed as a result of this matter was waived on June 27, 2016. There was no negative credit reporting made as a result of this issue. We apologize for any dissatisfaction this matter may have caused.If [redacted] has any further questions, they should contact her account representative Tarsha H, at ###-###-####, extension [redacted], or Thomas H. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.Sincerely,Shea [redacted]Customer Service Correspondence Supervisorcc: [redacted], [redacted], ADDISON, IL 60101 [redacted]

I am rejecting this response because:
This account was purchased from Flagstar bank at the end of a chapter 13 Bankruptcy.  I had no legal liability for this account at anytime.  By reporting it and saying that I missed payments, they are in violation of the US Bankruptcy Court Laws  This is and was a legally discharged debt.  Again, I never had any legal liability for this account and I want it removed from my credit report.[redacted]

RE: Case#[redacted] , [redacted]Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).According to the terms of the contractual agreement, the monthly payment is due on the 1st. If the payment is not received on or...

before the due date it is considered late and is subject to collection calls. If the payment has not been received by the 16th of the month, a late fee may be assessed to the account. Enclosed for your convenience is a copy of the signed Note. Under (6) Borrower's Failure to Pay as Required, (A) Late Charges for Overdue Payments it states "If the Note Holder has not received the full amount of any monthly payment by the end of fifteen calendar days after the date it is due, I will pay a late charge to the Note Holder."We apologize for any dissatisfaction you encountered. Our policy and practice is to conduct all communications in a courteous and professional manner and to, at all times, treat our customers and third parties with respect. We do not tolerate unprofessional behavior from any of our associates.When a payment is not received in full by the due date, attempts are made to contact the customer in order to prevent the account from further delinquency. Collection communications are placed solely for the purpose of determining payment intentions when the customer fails to pay as agreed. If the customer has agreed to make a payment, collection communications may continue if a payment is not received by the promised date. If the delinquency is not resolved, we may exercise our right to seek possession of the collateral.If you have any further questions or concerns, please contact ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT. Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] OCEANSIDE, CA 92058 [redacted]

February 12, 2016
[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN 55337
RE: Case # [redacted], [redacted]
Dear [redacted]:
Thank you for the opportunity to respond to the complaint filed by [redacted]...

[redacted] regarding her account with Ditech Financial LLC ("Ditech").
Ditech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. The appropriate department management was notified of [redacted]'s concerns and the issues have been addressed accordingly.
Records reflect the account is set up on our Auto Pay program (ACH). Regretfully, the debit date of January 16, 2016, was on a Saturday; therefore, the payment was not debited until the next business day, which was Tuesday, January 19, 2016. The regular monthly payment is due on the 1st of each month. Based on the account reflecting past due by more than 15 days, a collection call was placed to determine payment intentions. Although a collection call was placed, we were not successful in reaching the customers.
It appears [redacted] misconstrued our attempted collection call by thinking the ACH payment was not being debited, which was not the case. Therefore, she scheduled a subsequent payment via our website. Both payments posted to the account on January 19, 2016. The payment scheduled via the website, in the amount of $1,103.40, and the $12.00 Speedpay vendor fee, was returned on January 27, 2016.
Because of any miscommunication, we processed a reimbursement back to her bank account on February 8, 2016, in the amount of $72.00. The $72.00, reimbursed her for two bank fees, each in the amount of $30.00 and the Speedpay vendor fee of $12.00. [redacted] should validate the funds were received with her financial institution.
As of today, the account is reflecting past due $1,103.40, less the unapplied funds account balance of $20.62, to satisfy the February 1, 2016, due date. The ACH payment of $1,124.02 is scheduled to be debited on February 16, 2016.
If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) [redacted], Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.
Sincerely,
Nikki [redacted]
Customer Service Correspondence Supervisor
/kas/36/
cc: [redacted], [redacted]., Wellsburg, WV 26070
(Case # [redacted] Brozstek.pdf)

RE: Case#[redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).Mr. [redacted], should be advised that, in order to protect our customer's privacy, all employees are...

required follow the company security policies. We are unable to provide account information without the customer's signed authorization. Records indicate that a signed written authorization to provide information to Mr. [redacted]'s bank was not included in the subordination package that was received. An authorization to speak with Terra Title, LLC was received on March 9, 2016, but did not include a request for information or authorization to release information to any other party.On August 1, 2016, a conference call was held with Mr. [redacted], his wife and People's Bank to resolve the authorization issue and the authorization was received and the account has been notated accordingly.If [redacted] has any further questions, he should contact his account representative Diavonni J. at ###-###-####, extension [redacted], or Nyiemah P. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.Sincerely,Shea [redacted]Customer Service Correspondence Supervisorcc: [redacted], DAPHNE, AL 36526 [redacted]

Initial Business Response /* (1000, 13, 2015/10/27) */
October 27, 2015
[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN 55337
RE: Case # [redacted]
Dear [redacted]:
Thank you for the opportunity to...

respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC ("Ditech").
The servicing of the account was transferred from Lakeland Bank to Ditech effective May 22, 2015. 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.
At the time of origination, the escrow account was set up to pay the taxes and insurance. However, the account was transferred to us without the taxes being paid via the escrow account. We validated the taxes should be paid from the escrow account by reviewing the enclosed Initial Escrow Account Disclosure Statement dated May 5, 2015. Therefore, we are now paying the taxes and the following disbursed were processed on October 13, 2015:
$1,829.56 to Sandyston Township
$1,829.56 to Sandyston Township
We apologize for the dissatisfaction this issue caused.
If [redacted] has any further questions, she should contact the account representative Stephen K. at (800) [redacted], extension [redacted], or Emmanuel H. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted], Monday - Friday 7:00 a.m. to 8:00 p.m., and Saturday 7:00 a.m. to 1:00 p.m. CT.
Sincerely,
Nikki [redacted]
Customer Service Correspondence Supervisor
/kas/53/
cc: [redacted], Leyton, NJ 07851
Initial Consumer Rebuttal /* (2000, 15, 2015/10/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)
My taxes have been paid.

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech). Ditech's website is set up to allow customers to review the payment information they submitted before they confirm that the payment is to be processed. A confirmation number is given for online payments when all the information has been confirmed. The website is designed to prevent payments from being processed with incorrect information and not to prevent customers from making timely payments. Records show that the monthly payments for the account have consistently been made via our website. However, we have removed the late fee of $95.85 that was assessed to the August 1, 2017 due date. If Mr. [redacted] has any further questions, he may contact his account representatives Dayanere H. at ###-###-####, extension [redacted], or Cynthia G. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

Please see attachment.  ###-###-####

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding her account with Ditech Financial LLC (Ditech). As advised in our previous response dated June 19, 2017, an Automated Universal Data Form (AUD) was submitted to the credit reporting agencies to update the account status to paid in full, was a charge off. The control number for the AUD is #[redacted]. Ms. [redacted] may contact the credit reporting agencies and provide this control number to verify the receipt of this update. Further, an additional update was sent to the credit reporting agencies on June 21, 2017. Records indicate Ms. [redacted]' account was paid in full on May 5, 2017. Enclosed a paid in full letter as Ms. [redacted] requests. If Ms. [redacted] has any further questions, she may contact our Asset Receivables Management Department at ###-###-####, Monday - Thursday, 6:00 a.m. to 7:00 p.m. MT, and Friday 6:00 a.m. to 12:00 p.m. MT.

RE: Case#[redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech). As previously stated in our response dated February 21, 2017, we understand that Mr. and Mrs. [redacted] were provided incorrect information concerning the $1,000.00 Home Affordable Modification Program (HAMP) incentive payment and we apologize for the inaccurate information provided. However, we are unable to reallocate those funds. Additionally, we removed the negative credit reporting that was caused due to the misinformation provided. However, the payments are still owed and Mr. and Mrs. [redacted] will need to make those payments. There may be options available to assist Mr. and Mrs. [redacted] in bringing the account current, such as a deferral or short term repayment plan. They may contact their Account Representative at the phone number listed below to discuss their options. Please be advised, Mr. and Mrs. [redacted]'s account will still be eligible for the yearly HAMP incentive credit, as long as their account does not become 90 or more days delinquent. As of the date of this correspondence, the account is 57 days past due. The due date for this account is the 1st day of each month. If a payment is not received in full by the 1st day of the month, the account will be past due. If a payment is not received in full by the end of 15 days after the due date, a late fee may be assessed. The grace period refers solely to the date in which late fees may be assessed and has no bearing on when the account is considered past due or when collection activity may begin. Any payment that is not received prior to the billing statement being generated will not be reflected on the statement. Customers may view up-to-date account information on our website: www.ditech.com. Our records indicate that a billing statement was sent on January 20, 2017, which indicated an amount due of $1,560.39. Please understand that the amount due included the past due amount for the December 2016 and January 2017 monthly payments and the amount that would be due February 01, 2017. We apologize for any confusion this may have caused. As of the date of this correspondence, the account is past due for $1,040.26 for the payments due January 01, 2017 and February 01, 2017. If [redacted] has any further questions, she may contact her account representatives Rosa R. at (800) [redacted], extension [redacted], or Andrew A. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted], Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

May 13, 2016 [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA 220 S RIVER RIDGE CIR BURNSVILLE MN  55337 RE:  Case #[redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account...

with Ditech Financial LLC (“Ditech”).  Please be advised that we provided the enclosed correspondence to Mr. [redacted] concerning the complaint filed on the account. If Mr. [redacted] has any further questions, he should contact his account representative Lawanda J. at ###-###-####, extension [redacted], or Rashad N. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday 7:00 a.m. to 8:00 p.m., and Saturday 7:00 a.m. to 1:00 p.m. CT.  Sincerely, Vanessa [redacted] Customer Service Correspondence Supervisor /lqh/39/ cc: [redacted], [redacted], Trenton, NJ 08611 [redacted]

I am rejecting this response because:
I am requesting that the complaint be reevaluated and that Di-Tech be forced to answer why they responded to the Revdex.com the way they did.   Di-tech responded with the letter to the Revdex.com stating “at this time, Ditech has made no...

reporting to any of the credit agencies. (EXPERIAN…”   This is a false statement and I have evidence to support my claim.  As I predicted when we talked, based on my past discussions with DiTech and what I consider to be shady business practices, upon my call to Di-Tech, they claimed that “although they had not file any complaint at that time(time of the Revdex.com response letter), after further review, they’ve decided to report the late payment to the credit agency.”    I have attached a screenshot from my FreeCreditReport.com reflecting the credit cycle of my credit report; adjusting in December from their initial report, increasing from their removal of it, and then decreasing again after it they had sent the letter.  I have requested a December and January report from Experian showing their report in December, their removal of the reporting in January and then the February report (attached) showing them again putting the report back onto my credit report.   I have also attached a copy of the February report showing Di-Tech reporting of a late payment.   It appears they purposefully removed the reporting to make a “non-reporting” statement in January to the Revdex.com.  Then, after this complaint was closed, again report an inaccurate late payment to my account.   Please let me know what further is needed from me to support this complaint.   Thank you!