Ditech Financial, LLC

I am rejecting this response because:of their error I had to pay an additional $to have my taxes refiled to correct the amount of my refundI had to pay $

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).Please note, Mr [redacted] 's account type requires that only a full payment be applied to the next monthly payment due datePayments that are received in amounts different from the payment due are placed in unapplied funds ("UAF")If sufficient funds are available to apply a full payment, funds are applied to the next monthly payment due and any outstanding amounts such as finance charges, returned payment fees, late fees, escrow due, and acquired accrued interest, prior to the application of funds to the principal balanceThis form of payment posting is determined by the mortgage contract and the servicing protocols of the accountA copy of the account payment history over the last months is enclosed for Mr [redacted] 's convenienceRecords indicate that recent payments have been received as follows:$received by electronic bill pay on April 4, $received by electronic bill pay on April 18, $received by electronic bill pay on May 2, $received by electronic bill pay on May 16, $received by electronic bill pay on May 31, $received by electronic bill pay on June 13, $received by electronic bill pay on Jun 27, $received by electronic bill pay on July 12, $received by electronic bill pay on August 2, 2016A review of Mr [redacted] 's payment history indicates that partial payments have been remitted for his accountAs a result of our recent internal system upgrade, completed on April 1, 2016, the partial payment of $received on April 18, 2016, was systematically applied to the principal balance of the account, per the above listed payment hierarchyTherefore, when the next partial payment of $was received on May 2, 2016, it was placed in UAF until sufficient funds were available to allow the full payment to be credited to the account.On May 31, 2016, a request to reallocate the April 18, 2016, payment from principal was entered, but due to the system upgrade, at that time, completion of payment reallocations were delayed.The late charges of $48.35, assessed as a result of the April 18, 2016, payment application have been waivedThe requested payment reallocations were completed on July 11, 2016, and the account coded for special handling of partial paymentsMr [redacted] should be advised that no negative credit reporting occurred as a result of this issueWe apologize for any dissatisfaction that this matter may have caused.If Mr [redacted] believes a payment was made but not applied to his 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, etcThe additional information to the address on this response or the fax number ###-###-####.If [redacted] has any further questions, he may contact his account representative Kathryn Rat ###-###-####, extension ***, or Gracie C, at extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely, Shea [redacted] Customer Service Correspondence Supervisorcc: [redacted] , [redacted] RINGLE, WI [redacted]

[redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by Ms [redacted] regarding an account with Ditech Financial LLC (Ditech) Policies are set in place to ensure both our customer's and our interests in the property are protected in the event of an insurance claimOur policy is that the endorsed claim check must be submitted for processing to our Claims DepartmentDuring the time period we are processing a claim, the claim check is deposited into a non-interest bearing accountWe require an adjuster estimate, material estimate on store letter head and/or contractor estimate & W-form to be submitted to the below listed address to initiate the release of funds to complete repairsDitech Financial LLC Attn: Claims Dept [redacted] Rapid City, SD 57709-When all of the required documents are received, the funds are released accordinglyOnce repairs have been completed and the completion verified by inspection or remittance of any additional required documentationThe remaining claims funds will be releasedThe processing time on a claim, once all documents are received, is 7-business daysOur records indicate that additional claims funds were released on September 8, 2016, and additional documentation of the completed repairs is required to release further fundsIf Ms [redacted] has additional questions regarding the claim process, please contact the Claim Manager, at ###-###-####If Ms [redacted] has any further questions, she may contact our Bankruptcy Department at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely, Shea [redacted] Customer Service Correspondence Supervisor

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 $on August 23, 2016, to the following address: [redacted] Logan, IA If Mr [redacted] has any further questions, he may contact his account representatives Scott Pat ###-###-####, extension ***, or Shanna 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: While the apologies are appropriate, they leave me flat The only reason someone responded is because it was a complaint from the Revdex.com I’m not satisfied with this response In the first paragraph, Mr [redacted] thanks the Revdex.com for the opportunity to respond to my complaint This is the third opportunity The Director of the Claims Department was sent the exact letter dated April 18, and a copy was sent to [redacted] Neither have responded to me directly I wholeheartedly doubt that anything has been resolved as stated in paragraph two The apathy I experienced is a cultural issue It starts at the top with [redacted] not caring enough to correspond with me Some of those people seem to want an adversarial relationship with me They should be bending over backwards to make me happy There is too much competition in this industry to alienate their customers The rest of the letter merely explains Ditech’s procedures, as if I’ll be gratified because they followed their procedures In paragraph four, Mr [redacted] stated that my check was deposited on April 16, (a Saturday) and that a new check was sent out on April 25th I received that check on the 26th a full days from my first contact with the Claims Department I won’t be placated by Ditech’s perception that it was only business days By virtue of the fact that the original check was deposited on a Saturday, Ditech demonstrates its belief in a six-day work week Furthermore, my stress level doesn’t take the weekend off I’ve suffered the trauma of a damaged home and now have to wait on some antiquated system? Additionally, since Ditech is the lien holder on the property, claims representatives should want to get it repaired as soon as possible If they had sent the check back to me by April 11th as expected, the roof would have been replaced by the 15th But because of their inefficient process, I now have to wait until May 10th a full days from first contact, not business days I teach courses in six sigma process quality Six sigma means errors per million opportunities My experience with Ditech included an error in every opportunity That equates to zero sigma, no quality There is no value to me, the customer, in their system It is unclear by this response what is going to happen with the interest I’m expecting to be paid interest, which is still accruing and is compounding daily (not just business days) It is currently at $ In the final two paragraphs, Mr [redacted] suggests I may contact Customer Service for further information Are you kidding me? That is where the problem begins I have no desire to speak to Ditech’s idea of Customer Service people I want Ditech to change its procedures I have another check in my possession from StFarm in the amount of $3,154.92, which must be endorsed by Ditech and I don’t want go through the same circle of ineptitude I would prefer that it be endorsed by the Ditech inspector when he approves the repairs The repairs should be completed next week and I’m already anticipating a significant delay in getting the inspector out to my home

Initial Business Response / [redacted] (1000, 12, 2015/11/16) */ ***Document Attached [redacted] November 16, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 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") Ditech has set policies to ensure both the customer and our interests in the home are protected in the event of an insurance claimDue to the size of the insurance claim, certain procedures must be followedIn addition, we have the right to oversee and monitor repairs to protect our interest in the collateralPlease be assured the claim was processed pursuant to the terms of [redacted] 's contract and our claim procedures Records reflect the claim check in the amount of $6,was received on October 19, and we processed the check on November 2, Our claim procedures require that claims are processed within 7-business days [redacted] 's claim was processed within this timeframeOn November 4, 2015, we disbursed 95% of the claim funds in the amount of $5,payable to [redacted] In order to release the remaining claim funds, we will need pictures showing completion of the repairs to the home and the Certificate of Completion needs to be completed and returnedIf [redacted] has additional questions regarding the claim, she can contact our Claims Department at (800) [redacted] Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted] , Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/41/ cc: [redacted] , [redacted] , Cowpens, SC Initial Consumer Rebuttal / [redacted] (3000, 14, 2015/11/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't accept this reasonThe customer service department is unqualified and unprofessionalI have only had one experience talking with a CSR that actual knew somethingAfter having my loan since and nothing ever changingThen talking to one of the CSR finding out someone had changed my addressThen I questioned fees I was charged and asked for a itemized statement over three months ago and still haven't received itThis company should not be in business with the unqualified personnel they haveAnd then to try to get funds to fix my house was exhaustingThis company could have cared less that I was living in mold Final Business Response / [redacted] (4000, 16, 2015/11/30) */ November 30, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 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") 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 associatesDitech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementWe apologize for any dissatisfaction [redacted] experienced with our Customer Service Department Records do not reflect that the mailing address has been changed on the accountThe mailing address on file is: [redacted] Cowpens, SC In addition, we provided [redacted] with a list of the late fees assessed to the account on October 2, A copy of this response is enclosedAs of today, the late fee balance due is $ As indicated in our previous response to the Revdex.com, we must follow certain procedures in the event of a claimOur response has not changed and the remaining claim funds will not be release until we receive pictures reflecting the completion of the repairs and the Certificate of Completion is received Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted] , Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/53/ cc: [redacted] , [redacted] , Cowpens, SC

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)Please be advised that we have investigated Ms***'s concerns of forgery and determined that they are not validWe have previously provided Ms [redacted] with documentation supporting our decision and have enclosed the same for your reviewOur records indicate that Ms [redacted] was aware of the loan and as evidenced by the enclosed documentation, Ms [redacted] signed documents stating she had a hardship and requested a short saleIf [redacted] has any further questions, she may contact our Asset Receivables Management Department at ###-###-####, Monday - Thursday, 6:a.mto 7:p.mMT, and Friday 6:a.mto 12:p.mMTSincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] ***, [redacted] **, SPRINGFIELD, VA [redacted]

We would like to apologize that the service [redacted] received was not to his satisfactionDitech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement.Residential Credit Solutions, Increceived and posted the payment of $1,to the account, before the transfer of servicing to DitechThis payment paid the March 1, 2016, due date and $was posted as a principal reduction paymentAccount records indicate the payment of $1,was received on March 5, 2016, and inadvertently posted to an incorrect account numberOn June 15, 2016, the referencedpayment correctly posted to [redacted] ***'s accountLate fees were not assessed and negative information was not reported to the credit reporting agencies as a result of the misapplied paymentWe apologize for any inconvenience this matter has caused.As of today, the account is next due for the August 1, 2016, due date in the amount of $1,A payment history is enclosedPlease note, Ditech offers several options in which customers may make their monthly paymentPayments may be remitted via mail, Western Union, by phone, on-line (availability determined by account status), Money Gram, or via our automatic payment programSome payment options have a service fee, while others are free.Our automatic payment program has no additional fee assessed with the payment each monthWith this program, the monthly payment is automatically debited on the date the customer selectsThe date selected cannot extend past the late charge dateThe debit will occur on the first business day after the date selected if the date selected falls on a weekend or a holiday [redacted] may enroll in this program by registering online at www.ditech.com or by sending in a paper application that may be downloaded from our websiteThe payment address is below for mailed payments:Ditech [redacted] Palatine, IL 60094-

We apologize for any inconvenience or dissatisfaction that this matter has causedOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementWe apologize for any dissatisfaction Mr [redacted] encountered in dealing with our associatesOur policy and practice is to conduct all communications in a courteous and professional manner and to, at all times, treat our customers and third parties with respectPlease be advised that Mr [redacted] 's payment of $for the May 01, due date was applied to his account on June 01, 2017, which caused his account to be reported as delinquent to the credit reporting agencies; however, the payment was backdated to May 31, to ensure proper credit to his accountTherefore, Ditech has submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) to remove the delinquency reported for the May paymentThe individual credit reporting agencies may take up to 3-business days to update their systemsWe apologize for any difficulties Mr [redacted] has encountered when attempting to enroll his account in our automatic payment program (ACH)Please note that while there is a payment due, the account is not eligible for enrollmentThe account must be brought current prior to enrolling in the programAt this time, Mr [redacted] 's account is past due for the June 01, payment and is not eligibleOnce the account is brought current Mr [redacted] may submit an ACH application, which can be obtained from our website or from Customer Service

May 6, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his/her account with Ditech Financial LLC (“Ditech”)We understand Ms [redacted] ’s concernsPlease be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided Records indicate that Ms [redacted] ’s requested reimbursement of $2,was completed on May 3, We apologize for the delay in processing her requestWe 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, Jared [redacted] Customer Service Correspondence Supervisor /asw/28/ cc: [redacted] [redacted] Brooklyn Center MN [redacted]

April 25, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (“Ditech”)We understand [redacted] ’s concerns Please be assured that his correspondence has been reviewed with the appropriate department management and the following response is provided Account records indicate funds in the amount of $767.21, for the escrow overage, were placed back in the escrow account, as the check was never cashed Unfortunately, once this is completed we are unable to reissue the check However, a new escrow analysis can be completed and any overage will be addressed at that time On February 3, 2016, an escrow analysis was completed and an escrow surplus of $was mailed to the address on file For your convenience, a copy of the escrow analysis is includedWe again apologize for any dissatisfaction this matter may have caused If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Shea [redacted] Customer Service Correspondence Supervisor /ars/54/ cc: [redacted] [redacted] Houston, TX [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/07/15) */ July 15, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] Dear [redacted] , Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Green Tree Servicing LLC ("Green Tree") The servicing of Mr [redacted] 's account was transferred from Everhome Mortgage ("Everhome") to Green Tree effective May 16, 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 Pursuant to his contract, the servicer may pay necessary expenses, including fees and/or interest in order to protect their security interest in the collateral and then seek reimbursement from himRecords reflect Everhome conducted inspections as a result of the account delinquency and assessed the fees for the inspections to the account as corporate advances The inspections consist of an informal inspection conducted from the exterior of the property and are performed in order to ensure that the property is not vacant, and the property is being maintained in accordance with city codesThe inspections are done when the loan becomes delinquent, and the cost of the inspection is charged to the account in accordance with his signed loan agreement and can vary in amount Enclosed is a breakdown of the assessed inspection fees totaling $The amount remaining due, which is reflecting on Mr [redacted] 's billing statements, is $ We apologize for any dissatisfaction this matter may have causedIf Mr [redacted] has additional account questions, he can contact Green Tree at (800) [redacted] , Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/ cc: [redacted] , [redacted] , Allentown, PA Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) Don't know where to begin with this! My mortgage company is stating the reason there is a $fee on my account is from a an inspection my previous mortgage company did (Everhome Mortgage)I still feel there is an error and I have called a number of times and no one is correcting thisFirst of all, whenever I contacta Greentree they have no clue as to why there is a $fee every month on my acctThen they all give me a different reason for that chargeSecond, in May I paid my full balance plus the extra fee and it's still showing on my statementThird, and this doesn't make sense but I just got a check for $from my previous Mortgage company for an inspection I over paidI have no Idea what to do about thisOn Monday 7/I spoke with a supervisor to see if we can get this resolved and she said she will research this and call me back so far I yet haven't heard from herI also called my previous Mortgage company and they have no record regarding my account anymore...but I did get a check for $from them on 7/ Final Business Response / [redacted] (4000, 9, 2015/07/31) */ July 31, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] Dear [redacted] , Thank you for the opportunity to respond to the complaint rebuttal filed by [redacted] regarding his account with Green Tree Servicing LLC ("Green Tree") The $was the net amount remaining due for several property inspections that were conducted by Everhome Mortgage ("Everhome") from February through April Records reflect Mr [redacted] did pay the $fee in full with the payment received on May 10, Unfortunately, the $was applied to the escrow account instead of toward the corporate advance balancePlease be advised, the $was reversed from the escrow account and applied to the corporate advance balance on July 22, The advance balance is now paid in full The account was transferred to us with the outstanding corporate advance balance for the inspection feesIf Mr [redacted] recently received a check from Everhome indicating it was sent to him because he overpaid the inspection fees, he can provide us with a copy of the check and correspondence he received for additional review We apologize for any dissatisfaction this matter may have causedIf Mr [redacted] has additional account questions, he can contact Green Tree at (800) [redacted] , Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/ cc: [redacted] , [redacted] , Allentown, PA

Initial Business Response / [redacted] (1000, 5, 2015/05/21) */ Thank you for the opportunity to respond to the complaint filed by [redacted] 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 Green Tree received a payoff check in the amount of $84,on April 3, Pursuant to our review, the payoff quotation on the day the payoff was received included the current principal balance of $77,545.94, deferred interest of $5,736.32, an advance of $50.00, plus the earned interest per day from March 9, (date last payment was received) to April 3, (date of the payoff) in the amount of $Therefore, the payoff overage was $which was mailed to Ms [redacted] on May 1, Please be advised that four deferments were processed in order to assist in bringing the account currentWhile the payoff quotes included amounts due for all deferment balances, the quotes did not itemize all of the deferred balances separatelyThe following is a list of deferred interest balances that were required to be paid to close the account 2/17/04: A three month extension was processedThe deferred interest was $1, 11/16/05: A two month extension was processedThe deferred interest was $1, 2/26/08: A two month extension was processedThe deferred interest was $1, 1/31/13: A three month extension was processedThe deferred interest was $1, If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) [redacted] , Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) The pay off quotes were not the same and $1,was not mentioned in any of the payoff quotes whether itemized or notI had called numerous times and no one could explain the pay off and not once did the deferred interest you refer to on 1/31/come upI don't understand as we had a loan modification at that time I am attaching the pay off that was sent to my bank and you will see what I am talking about Final Business Response / [redacted] (4000, 9, 2015/06/11) */ Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding her account with Green Tree Servicing LLC ("Green Tree") We apologize Ms [redacted] was unable to obtain an explanation of the payoff quote when she contacted usHowever, the deferred interest of $1,was included in the total payoff amount of $84,dated March 17, 2015, but it was not included in the "Deferred Interest" line The total payoff amount on the payoff quote dated March 17, was $84,If you subtract the below amounts that were included in the payoff, it leaves difference of $1, Principal Balance: $77, Interest: $ Corporate Advances: $ Deferred Interest: $3, Total: $82, If you add the additional deferred interest of $1,to $82,416.07, it equals to total payoff amount of $84, Enclosed is a copy of the Rate/Payment Modification Agreement Ms [redacted] signed January 28, 2013, and applied to her account on February 17, The interest that was not being collected during the modification period was deferred to the maturity date of the account, or until the account was paid in full If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) [redacted] , Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT

RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding an account with Ditech Financial LLC (Ditech)Unfortunately, we are unable to respond to Ms [redacted] 's concerns, at this timeThe loan documents indicate that Ms [redacted] signed the Mortgage which secures the above referenced loan and grants Ditech a Security Interest in the propertyHowever, her name is not on the loan agreement which is the document that obligates an individual to the debtAccordingly, in order to release any specific account information to Ms [redacted] , we required signed authorization from our customer advising what information we are able to release and to whomIf Ms [redacted] has any further questions, our Customer Service Department is available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] , [redacted] ATTLEBORO, MA [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 any dissatisfaction that this matter has caused Ms***Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementWhen an account is closed, we begin gathering the documents held as security on the account from our custodianA custodian is a facility outside of Ditech that guarantees the documents are securely held for our customer as well as usWe spoke with Ms [redacted] on several occasions and advised her that it may take up to days for the documents to be releasedHowever, per her request, we expedited the lien release for her accountPlease note that we still had to wait for the documents to be received from our custodian before they could be sent to Ms***Our records indicate that the Lien Release was sent to Ms [redacted] on October 24, The Certificate of Title to Motor Vehicle was sent to Ms [redacted] on October 28, Copies of these documents have been enclosed for your referenceAs stated in the enclosed letter, Ms [redacted] will need to take the documents to her local Department of Motor Vehicles to have the lien removedWe apologize for any confusion this matter may have causedIf [redacted] has any further questions, she may contact our Customer Service Department at###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech).Ditech is unable to contact or return calls to [redacted] due to the account status in relation to the bankruptcy that was filed.Enclosed for review is a copy of the denial letter that was generated on January 28, This denial letter states what income was used to calculate if they were eligible for a loan modification.Unfortunately, we are unable to provide the entire loss mitigation file as Ditech considers this proprietary, confidential, burdensome or not germane to the servicing of the accountTherefore, the remaining information has not been provided.If [redacted] has any further questions or needs additional information, please contact our Bankruptcy Department toll-free at ###-###-####, Monday - Friday a.mto p.m., Mountain Time.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] , [redacted] , CHARLOTTESVILLE, VA 22901ARSsYKLjIYJ

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)Please be advised that the principal balance indicated on the payment history on our website was incorrectThis is a known system error with all of our online accountsPlease be assured that we are currently working to the correct this issueHowever, the account payment history that was provided with our previous response dated January 26, is a correct accounting of the account activity and principal balanceAlthough the principal balance indicated on our website was incorrect, we can advise that the difference of $1,was the total amount of funds that were applied to principal from June to November 2016, which were reversed from the account due to the reallocationThe payment history included with our previous response shows activity that occurred on the account line by lineTherefore, after each reversal of the payments indicated above, the history shows the principal balance increasingThe correct principal balance indicated on this history was $86,on November 26, 2016, before the payment reallocationAfter the above payments were reversed, the principal balance was $88,on December 6, (a difference of $1,663.33)However after the June through November payments, plus the December 1, payment were applied back to the account, the principal balance was $86,We sincerely apologize for any confusion or dissatisfaction this matter has causedIf Mr [redacted] has any further questions, he may contact his account representatives Walter Aat ###-###-####, extension ***, or Zena Dat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).Account records indicate [redacted] 's payment of $1,received on April 8, 2016, was inadvertently posted to an incorrect account numberOn May 26, 2016, the referenced payment correctly posted to the accountThe transaction was backdated to April 8, to ensure proper creditThe two late fees totaling $111.08, assessed as a result of the misapplied payment, has been waived.In addition, we submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) to reflect the account status of currentThe individual credit reporting agencies may take up to 3-business days to update their systemsPlease keep this letter for verification of the change.If [redacted] has any further questions, he should contact his account representative Leandrea Aat (800) 643-0202, extension 85605, or Lamne Jat extension Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) 643-0202, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Tell us why here

I am rejecting this response because: Ditech chooses to apologize because they were caughtDitech needs to move my loan to a bank that does not lie and steal from customersYes you are liars and thievesRevdex.com you can close this complain because I'm sure Ditech pays you plenty to keep from having an F rating

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meDitech deposited the extra payment into my bank accountThey did not accept the fact of the overdraft payment was not their faultI'm not going to do automatic draft from them again, I'll make single payment's from now onThanks for you're assistance