Ditech Financial, LLC

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)Records indicate that Ditech issued an escrow surplus check, in the amount of $476.28, to Ms [redacted] on June 4, In June 2016, we were advised that she had not received this check and a request was submitted to reissue the checkA check was reissued to Ms [redacted] on August 5, On September 7, 2016, Ms [redacted] spoke with a Ditech Supervisor and confirmed that the address we have on file, which the escrow surplus checks were mailed to in June and August 2016, was the correct address, but she still had not received the reissued checkSince Ms [redacted] is not receiving the checks that are mailed, a Ditech Supervisor attempted to contact her via a telephone call on September 19, 2016, in an attempt to obtain her bank account information so we can deposit the funds directly into her bank accountWe were unable to reach Ms [redacted] at that time; however, a message was left for her to callback and provide this informationAs of the date of this correspondence, we have not received a return telephone call from Ms***In order to reissue the escrow surplus funds again, Ms [redacted] will need to contact Susan Hin our Customer Service Department and provide her bank account information so the funds can be deposited into her bank accountSusan can be reached at ###-###-####, extension ***If Ms [redacted] has any further questions, she may contact her account representatives Dedrick Sat ###-###-####, extension ***, or Mario Cat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely,

[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”) We understand Ms [redacted] ’s concernsPlease be assured that hers correspondence has been reviewed with the appropriate department management and the following response is provided Ms [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 account Please be assured, Ditech makes every effort to credit payments as requestedRecords indicate that when Ms [redacted] ’s payment of $1,was received on June 4, 2016, it was systematically applied to the next monthly payment due, with an additional $to principalPursuant to her request made with Customer Service on June 6, 2016, the referenced payment was reallocated from the July payment, and additional principal and applied to the account as a principal only payment on June 13, Please be aware that due to our recent internal system upgrade, requests for reallocation been delayedThe reallocation was backdated to the date of receipt, June 4, 2016, to ensure proper crediting of the account Ms [redacted] should also be advised that her 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 monthsJust like simple interest, interest is charged every day that the customer is using the investor of the loan’s money, however, with actuarial interest, no matter when we 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 payment, however if 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 paymentSince Ms [redacted] ’s principal payment was applied to the account prior to the next monthly payment application, no adjustments are required to ensure that the next monthly payment will be applied with the correct amount of interest charged on the new principal balance 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 ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /asw/47/ cc: [redacted] [redacted] GastoniaNC

I am rejecting this response because: Everything is not being told, that was stated during my first conversation I had with the first and second representative initiating the forbearance The first initial conversation with Dietrich representative is correct because I told them that I was not able to pay back the forbearance amount after the three months all at once I had a financial hardship of making my home livable again due to the mildew and mold, so I reach out again to Dietech concerning a loan forbearance explain the situation to the second representative They stated that they can add the months to the end of the year loan and I excepted the terms of the forbearance and it was granted by Dietech I am not disagreeing on paying back the forbearance I am disagreeing on the terms of paying it back The only way that Revdex.com can understand my point of view is to obtain the recordings from Dietech and listen to them from when I initiated the forbearance

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).Mr [redacted] , should be advised that, in order to protect our customer's privacy, all employees are required follow the company security policiesWe are unable to provide account information without the customer's signed authorizationRecords indicate that a signed written authorization to provide information to Mr [redacted] 's bank was not included in the subordination package that was receivedAn 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 Jat ###-###-####, extension ***, or Nyiemah Pat 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] ***, DAPHNE, AL [redacted]

I am rejecting this response because: Since this is the first I am hearing that the PMI will discontinue as of Sept1, 2016, I am requesting Ditech send me that information in writing stating the PMI payment will be discontinued as of Sept1, I will consider the complaint 'closed' when I receive this letter and will not pursue an appraisal at this timeAlso, please tell them '***' is usually a 'female' nameIt is annoying to be lied to and also have your very easily interpreted name, referred to as a male(Mr [redacted] ) It is not respectful or professional to treat your customers in this wayRevdex.com:Thank you very much, Revdex.comIt is disheartening when a business you pay regularly, and so much money too, does not treat you fairly until they are reportedI hope you are able to monitor Ditech's practices in the marketplace and hold them responsible should they continue to provide their customers with information, knowing they are delaying their requestIt looks like many others have complained about this company's deceptive practicesPlease continue to keep an eye on themMany thanks again [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 different types of loan modification appsI 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 yearsNot looking to move out just yetNeed or mortgage company to work with us, not ignore us They are the worst by far This is the 4th back in the past yearsNever 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 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

Thank you for the opportunity to respond to the complaint filed by [redacted] received on June 21, 2016, regarding her account with Ditech Financial LLC ("Ditech").Please be advised, we are unable to provide account information to the buyer's attorney without a signed letter of authorization from [redacted] ***The authorization must show that we are authorized to release information specifically to the buyer's attorneyIt should also include what information we are allowed to disclose [redacted] can provide the signed authorization to the Ditech address or fax number listed on this response.The servicing of your account was transferred from CitiMortgage Inc("CitiMortgage") to Ditech on September 1, The transfer of servicing does not affect the account terms and conditions, other than those related to the servicing of the account.Please be advised, Ditech can not release a lien on behalf of another entity and our lien will not be released until the loan is considered paid in fullEnclosed is a copy of the Assignment of Deed of Trust from Lehman Brothers Bank, FSB, to CitiMortgageAlso enclosed is a copy of the recorded Mortgage.If [redacted] has any further questions, she should contact her account representative Hazel Gat ###-###-####, extension ***, or Rita 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 [redacted] regarding her account with Ditech Financial LLC (“Ditech”) Please be advised that billing statements generated while an account is going through a loan modification may reflect information, such as interest paid, that will later be removedThe November 21, billing statement reflected year-to-date interest paid of $11,325.21; however, this amount included interest that was applied to the account as a result of the loan modification completed in August of Any interest that was not paid by the borrower will not be reported to the Internal Revenue ServicePlease be assured that the interest paid reflected on Ms [redacted] ’s Form is correctIf Ms [redacted] has any further questions, she should contact her account representative Laderica Mat ###-###-####, extension ***, or Lamne Jat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT Sincerely, Jared [redacted] Customer Service Correspondence Supervisor

May 13, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 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 accountIf Mr [redacted] has any further questions, he should contact his account representative Lawanda Jat ###-###-####, extension ***, or Rashad Nat 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.m., and Saturday 7:a.mto 1:p.mCT Sincerely, Vanessa [redacted] Customer Service Correspondence Supervisor /lqh/39/ cc: [redacted] , [redacted] , Trenton, NJ [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 [redacted] regarding 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 The servicing of the account was transferred from Residential Credit Solutions, Incto Ditech on March 1, The transfer of servicing does not affect the account terms and conditions, other than those related to the servicing of the accountPlease be advised that while the transfer of servicing was effective on March 1, 2016, the account has not been fully boarded and verified with Residential Credit Solutions, Incuntil mid-MarchWe regret any inconvenience this may have caused Records indicate that on February 16, 2016, an annual escrow analysis was completed by Residential Credit Solutions, IncA review of the Annual Escrow Account Disclosure Statement, issued by Residential Credit Solutions, Incindicates that a shortage of $224.40, was found and the monthly payment, effective April 1, 2016, had been adjusted to $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 itemsAt the time of the analysis, any surplus and or shortage/deficiency is 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 per 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 balanceThe new monthly payment was calculated using the following anticipated disbursements: Scheduled Disbursements: Amount Insurance $1,County Tax $School Tax $Special Tax $Total Scheduled Disbursements $3,Divided by Months = Monthly Escrow Payment $On April 6, 2016, Ms [redacted] contacted our Customer Service concerning the escrow payment adjustment, at which time she was advised that the shortage payment had not yet been forwarded from the prior servicer, Residential Credit Solutions, Incand credited to her accountOn April 13, 2016, Ms [redacted] contact our Customer Service at which time she was advised that the escrow shortage payment had been confirmed as paid but had not yet been credited to the accountOn April 18, 2016, Ms [redacted] contact our Customer Service concerning the shortage payment at which time the payment was located, applied to an incorrect account number and was requested to be reallocated to Ms [redacted] ’s accountThe shortage payment was reallocated to the correct account on April 22, The monthly payment has now been adjusted, effective with the April 1, payment due date, to remove the additional payment amount required to repay the escrow shortageThis has adjusted the monthly payment from $to $A copy of the analysis completed by Residential Credit Solutions, Incis enclosed for Ms [redacted] ’s reviewPlease note, Ms [redacted] ’s account requires full paymentsHer last payment of $900.44, was received on April 21, 2016, but has been placed in suspense because it is insufficient to pay the full payment dueAn additional payment of $is required to be received in order to apply the payment remitted to the next contractual payment dueWe again apologize for any dissatisfaction this matter may have causedIf you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Kristina [redacted] Customer Service Correspondence Supervisor /asw/54/ cc: [redacted] [redacted] Houston, TX [redacted]

A review of Mr [redacted] 's account confirms that a payment of $was received on July 19, 2017, after our previous response was made, which brought the account due for the July 1, paymentAdditionally, a response to a complaint filed with the Consumer Financial Protection Bureau ("CFPB"), concerning a similar complaint received from Ms [redacted] , was made on July 25, A copy of this response and a current payment history is enclosed for Mr [redacted] 's reviewAs of the date of this letter, the account is due for the July 1, payment of $If Mr [redacted] has any further questions, he may contact his account representatives Dwuaka Tat ###-###-####, extension ***, or Kelli Lat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

I must reject this response until the vague re-allocation is presented in writing At the same time Ditech presented this resolution, I received a new billing requiring payment of $ If escrow balance is now at zero as they stated, then the only new payment required for January is $ That auto pay is scheduled to be received by Ditech on 1/15/2017, not the $ Typical Ditech lack of response continues I have attempted to contact Nicole ext [redacted] twice; Nicole was the supervisor who agreed verbally to the proper resolution on December 14th - unfortunately no response I then left two voice mail messages for Bobby M, ext [redacted] with no response.Once again, this is simple math Since Ditech has agreed the proper escrow funds have now been reallocated, the only other issue is that the proper auto payment of $is the only balance due As soon as I receive the written statement (as they have already indicated) the the escrow balance is zero and only the monthly mortgage balance of $that is out standing, I will agree to sign off on this resolution When I receive a billing of a much larger payment than agreed upon, I tend to doubt their veracityFull and complete disclosure is all I ask, very simple, spell it out completely

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).An Automated Universal Data form (AUD) was sent on May 25, 2016, to the four major credit reporting agencies (Equifax, Experian, Innovis and TransUnion), to delete the account from Ms [redacted] ' credit history as the foreclosure sale was completed November 5, 2013, before the account was transferred to DitechOnce the information is received, it may take to business days for the credit reportingagencies to update their records.If Ms [redacted] has any further questions, she should contact her account representative Jummey Bat ###-###-####, extension ***, or Catherine 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

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).Pursuant to Ms [redacted] 's correspondence, a review of the account has determined that Ms [redacted] 's bank account was flagged by our payment processing vender, Paymentus' processing bank Chase Bank on July 30, 2016, when a payment was initiated using a saving account rather than Ms [redacted] 's checking accountAs this payment was originated by Ms [redacted] through our website or pay by phone servicer, the payment refusal issue was not caused by Ditech.Unfortunately, in order to have Chase bank remove the flag so that Ms [redacted] may make payments through our website or pay by phone systems again, we need a letter from her financial institution on their official letterhead, indicating that the bank account is valid and in good standingThe letter needs to contain both the full routing and account number and must be signed by an employee at the bankOnce the information is received we may have the flag removedThe letter may be emailed or fax it to Attn: Phyllichia case # [redacted] Email: [email protected] / Fax #:###-###-####.As a courtesy, the late fee of $assessed to the account on November 16, 2016, has been waivedWe apologize for any inconvenience this matter may have caused.If Ms [redacted] has any further questions, she may contact her account representative, Sandy 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.Sincerely,Shea [redacted] Customer Service Correspondence Supervisorcc: [redacted] , [redacted] ***, FORDS, NJ [redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)Changes to the Automatic Payment Program (ACH) must be received five business days prior to the date of the next debitWe received Mr [redacted] 's request to cancel the ACH on November 30, 2016, and it was cancelled; however, this was not sufficient time to make the change for his December 1, payment, as the payment information for this payment was already in transit to his bankTherefore, the payment was processed as agreedThe reimbursement Mr [redacted] requested was processed on December 05, The amount of $1,was reimbursed to his bank account via ACHMr [redacted] should contact his bank to verify receipt of the reimbursed fundsIf Mr [redacted] has any further questions, he may contact his account representatives Logan Fat ###-###-####, extension ***, or Bobby 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 20, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] JrDear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] Jrregarding his account with Ditech Financial LLC (“Ditech”)We understand Mr [redacted] ’s concernsHis correspondence has been reviewed with the appropriate department management and the following response is provided Please be assured, Ditech makes every effort to credit payments as requestedPayments mailed to the remittance address on the monthly account statement are processed by a federally regulated processing center hired by us to apply payments to accountsThey are required to process all payments within hours of receiving the check and use an automated process to read the payments received and the corresponding account numbers to which the payment is to be appliedWhen payments are remitted for multiple accounts in the same envelope or using a single form of payment, the automated system applies the payment received to the first account listedOur processing center attempts to monitor and correctly apply multiple account payments but often they are not aware or are unable to identify the issue prior to the automatic application the paymentsRecords indicate that payments totaling $1,were received on January 2, 2016, and were applied to Mr [redacted] ’s account ending in ***, for the January payment plus the additional to principal in the amount of $In the previous email correspondence received concerning the payment application to both Mr [redacted] ‘s accounts, Mr [redacted] ’s distress was evident but his wishes were not fully understoodExplanations for the missing billing statement and for the payment application were provided in response to Mr [redacted] ’s email correspondenceUnfortunately, because we did not understand Mr [redacted] ’s intention was to request the reallocation of the funds, no reallocation was made at that timeThere has been no other form of contact with Mr [redacted] and we apologize for any dissatisfaction our previous response may have causedPursuant to your correspondence, we have reallocated the funds previously applied to principal on Mr [redacted] ’s account ending in [redacted] to the account ending in ***Any late charges assessed to the account, due to the misapplied payment have been waivedCopies of the accounts payment histories are enclosed for Mr [redacted] ’s convenienceWe apologize for the delay in completing our reallocations and any inconvenience this matter may have causedMr [redacted] may contact the Single Point of Contact, for the account ending in ***: Valarie Sat ###-###-####, extension ***, and for the account ending in ***, Jeffrey Sat extension ***, for further information or concerns about his accountsHe may also see up to date account information on our website, at www.ditech.comWe again apologize for any dissatisfaction this matter may have causedIf you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Kristina [redacted] Customer Service Correspondence Supervisor /asw/44/ cc: [redacted] Elkhart , IN

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 me.I must add that these people are nothing but professional liars and scammers In the months it took me to get this check which should have taken week to receive I needed to make over phone calls I was lied to many times and heard differing stories from every rep I spoke to This place is a mockery and should be shut down by the Government for their tactics It is sad that people are forced to deal with this company without choice as loans are sold and transferred to them without the borrowers consent I refinanced my loan just not to deal with these people Their reputation was so bad they were forced to change their name New name same garbage[redacted] **

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (“Ditech”) We sincerely apologize for any dissatisfaction Ms [redacted] has encountered with Ditech and her insurance escrow disbursementOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementAn overnight disbursement of $1,was made to Arrowhead General Insurance on May 5, Ms [redacted] may contact Arrowhead General Insurance for any refunds that may be duePursuant to Ms [redacted] ’s request, the escrow account has been cancelledAny escrow balance will be refunded to Ms [redacted] within business daysAs of the date of this response, the next amount due on Ms [redacted] ’s account is for the June 1, monthly home paymentIf Ms [redacted] has any further questions, she should contact her account representative William Dat ###-###-####, extension ***, or Brett Wat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT [redacted]

I am rejecting this response because:Dear Sir/Maam,The information provided by Ditech is incomplete, dishonest, and misleadingDitech states “that the payment due on August 1st, was received on August 23rd, 2017” – however, that information is incomplete, dishonest, and misleading.I have been a good customer for years, I have always paid my bills in full and on time, and I have even paid additional funds above and beyond the amount billed every month [see attachment].I paid Ditech $1,on August 1st, – this was the same amount I had been billed previously, and the payment was made on time [see attachment] The payment was not late.On August 17th, 2017, I received a call from Ditech, and I was informed that my payment amount had changed I did not receive any notice that the payment amount had changed prior to that date.I asked the representative for the new payment amount, to ensure it would be correct for my future payments, which I promptly adjusted.Considering (1) my excellent payment history, (2) my on time payment on August 1st, 2017, and (3) the fact that I was not advised of the new payment amount; I asked the represent to remove the “late fee” The representative declined, so I promptly paid both the shortage and “late fee” on August 23rd, 2017, while contesting what I believe to be unethical and unreasonable customer service.Additionally, I believe charging a “late fee” of $for a shortage of $31, for an otherwise on time payment is completely unreasonable That's over 150% of the shortage.I never received notification that my payment amount had changed, and I believed that I paid in full and on time When the new amount was brought to my attention, I promptly paid the shortage and fee, while attempting to resolve the issue with Ditech I believe the “late fee” should be removed and credited to my accountThank you, [redacted] ***

RE: Case# [redacted] , [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech).Unfortunately, due to the status of your account we are unable to respond to your requestHowever, you may contact [redacted] [redacted] for further informationThere contact information is listed below[redacted] Counsellors at Law [redacted] Roseland, NJ 07068Phone: ###-###-####Fax: ###-###-####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.mCTSincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] , [redacted] ***, CHERRY HILL, NJ [redacted]