Ditech Financial, LLC

We apologize for the inconvenience and dissatisfaction that this matter has caused. Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. Please be advised, due to system issues, Mrs. [redacted]'s mailing address was not updated as requested. The original escrow surplus check was generated on October 18, 2017. Please note checks are generally mailed within 2-3 business days after they have been generated. On November 03, 2017, the original check was cancelled and a new check was issued on November 07, 2017. Unfortunately, the mailing address was still not updated accurately. The reimbursement Mrs. [redacted] requested was processed on December 20, 2017. The amount of $3,363.63 was reimbursed to her bank account via ACH (Automated Clearing House). Mrs. [redacted] will need to contact her bank to verify receipt of the reimbursed funds.

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).We would like to apologize for any inconvenience that may have been caused. Unfortunately, due to a system upgrade the reallocation...

was not completed in a timely manner.Your payment in the amount of $866.16 was received on March 24, 2016 and was applied as extra towards principal. Pursuant to your request, these funds have been reallocated and applied toward the April 1, 2016 due date. A second payment in the amount of $866.16 was received on April 29, 2016 and was applied to the May 1, 2016 due date. A late fee in the amount of $30.79, that was assessed for the misapplied payment, has been waived. As of the date of this correspondence, your account is next due for the June 01, 2016 due date in the amount of $866.16.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] BELOIT, WI 53511 ARSw5eBzkeB

We would like to apologize that Mr. [redacted] was provided incorrect information by our representatives.Pursuant to Mr. [redacted]'s correspondence, a review of the account found that a payment of $295.22 was received on July 17, 2017 and was combined with the credit balance in unapplied funds to apply the next consecutive full monthly payment due of $340.69 to the June 1, 2017 contractual due date. Mr. [redacted] should note that the May 22, 2017 analysis did not change any payment amount due prior to the stated effective date of July 1, 2017.At this time, we have approved Mr. [redacted]'s request to remove the escrow requirement for the account and have adjusted the monthly payment due for July 1, 2017 to $247.07. Please note, the account has an outstanding late fee balance of $224.88, which was confirmed as valid in our previous response and a credit balance of $203.84 in unapplied funds. A payment of $268.11 is required to pay the July payment and satisfy the outstanding late fees. A payment of $43.23 is required to satisfy the July 1, 2017 contractual payment. A closing escrow analysis will be completed and any remaining balance of escrow will be refunded to Mr. [redacted] under a separate cover. Mr. [redacted] should be advised, if any further delinquency in property taxes is found the requirement for escrow will be replaced on the account for the life of the loan.If Mr. [redacted] has any further questions, he may contact his account representatives Paul W. at (800) [redacted], extension [redacted], or Kelli L. 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.

I am rejecting this response because:
See Attached Authorization Form.

April 14, 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] regarding her...

account with Ditech Financial LLC (“Ditech”). We understand [redacted]’s concerns.  Please 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 [redacted] to Ditech effective February 16, 2016.  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. A copy of the transfer of servicing notice dated February 29, 2016 is enclosed which advised the account was being transferred.  This transfer of servicing notice is the required notice pursuant to the Real Estate Settlement Procedures Act (“RESPA”) and is sufficient evidence that we have the servicing rights to the account.  Also enclosed are copies of Assignment of Mortgages.  In addition, a chain of title can be obtained from the County.  For your reference, the account is owned by: Owner of Mortgage Loan: Federal Home Loan Mortgage Corporation Contact Address: [redacted] McLean, VA 22102 Contact Phone Number: 1-800-FREDDIE (###-###-####) In connection with the concerns outlined in your letter and in verification of the debt, we are enclosing a copy of the Mortgage and Note and other loan origination documents.  After reviewing the enclosed documents, if you disputes the validity of the debt, please provide us with further detail in support of the assertion, including any available supporting documentation (e.g., affidavits, cancelled checks, police reports, etc.).  We again apologize for any dissatisfaction this matter may have caused.  If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.  Sincerely, Shea [redacted] Customer Service Correspondence Supervisor /ars/40/ cc:           [redacted]                [redacted]                 Fort Wayne, IN 46835 [redacted]

Initial Business Response /* (1000, 5, 2016/01/27) */
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 concerns. Please be assured her correspondence has been reviewed with the...

appropriate department management and the following response is provided.
We have submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) to reflect her account status current in November 2015. The individual credit reporting agencies may take up to 3-5 business days for this information to be updated by the Credit Bureaus. Please keep this letter for verification of the change.
We again apologize for any dissatisfaction this matter may have caused. If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) [redacted], Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.
Sincerely,
Kristina [redacted]
Customer Service Correspondence Supervisor
/asw/49/
Initial Consumer Rebuttal /* (3000, 7, 2016/01/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Additionally, I requested that they credit and remove all late charges applied to my account.
Final Business Response /* (1000, 12, 2016/02/08) */
[redacted]Document Attached[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 concerns. Please be assured her correspondence has been reviewed with the appropriate department management and the following response is provided.
Please be advised that the late fee, in the amount of $25.33, that was assessed to the account on November 16, 2015, was waived on December 9, 2015. Records indicate that late fees were assessed to Ms. [redacted]'s account as follows:
Payment Received Due Date Fee Date Fee Amount
By Prior Servicer 4/1/2013 4/16/2013 $25.33
Waived 4/17/2013 -$25.33
By Prior Servicer 9/1/2013 9/16/2013 $25.33
Waived 9/27/2013 -$25.33
By Prior Servicer 12/1/2013 12/16/2013 $25.33
Paid 1/14/2014 -$25.33
2/16/2014 2/1/2014 2/17/2014 $25.33
Waived 2/18/2014 -$25.33
12/9/2015 11/1/2015 11/16/2015 $25.33
Waived 12/9/2015 -$25.33
Balance Due $0.00
There are no remaining late fees to be waived.
Please note, pursuant to the last request received, we submitted updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) to reflect Ms. [redacted]'s account as current during the disputed period. No additional adjustments are required.
We again apologize for any dissatisfaction this matter may have caused. If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) [redacted], Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.
Sincerely,
Kristina [redacted]
Customer Service Correspondence Supervisor
/asw/34/
cc: [redacted]
[redacted]
Flagstaff AZ 86004

RE: Case# ,[redacted] M. [redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by M. [redacted] regarding their account with Ditech Financial LLC (Ditech).Mr. [redacted] should be advised that during the process of completing the reallocations referenced in our prior response, payments were reversed from the account and then reapplied, in a process that took multiple days to complete. Per our prior response, all payment reallocations have been completed and a review of the reallocations confirms that the reallocations are correct. A total of $54.66, was applied to principal on June 23, 2016. This amount represents the additional funds remitted with the February 26, 2016, and April 27, 2016, payments. A copy of the account payment history is enclosed for his review.The reallocation process caused systematic generation of delinquent notices. We apologize for these notices, but we were unable to stop systematically generated notices. The late fees assessed to the account as result of this issue were waived on June 23, 2016. The account was not reported as delinquent. If Mr. [redacted] has further concerns about the current status of his account, he may contact his account representatives indicated below. If Mr. [redacted] has any further questions, they should contact their 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. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.Sincerely,Kristina [redacted]Customer Service Correspondence Supervisorcc: M [redacted], [redacted], BOWIE, MD 20721 [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 dissatisfaction Ms. [redacted] has encountered. Records indicate we were advised on April 4, 2016, that Ms. [redacted]...

had a new insurance policy with Allied Property and Casualty Insurance. At that time, we contacted our Insurance Tracking Department and they advised that they had received the proof of insurance and a priority payment was in the process of being mailed. At that time, they also removed the previous insurance policy with Traveler’s Insurance from the escrow account. On April 6, 2016, a disbursement of $798.96 was made to Allied Property and Casualty Insurance from Ms. [redacted]’s escrow account. The next disbursement to Allied Property and Casualty Insurance is scheduled for March 1, 2017. If Ms. [redacted] also paid the property insurance, she will need to contact Allied Property and Casualty Insurance for any refunds that may be due. When Ms. [redacted] receives the refund, she may send the funds to Ditech with a request to have them applied back to her escrow account.If Ms. [redacted] has any further questions, she should contact her account representative Stephen K. at ###-###-####, extension [redacted], or Daniel 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., and Saturday 7:00 a.m. to 1:00 p.m. CT.  Sincerely,Jared [redacted]Customer Service Correspondence Supervisor

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech). After careful review of the account, we have verified that a reimbursement was processed on November 25, 2016. The amount of $140.00 was reimbursed to Mr....

[redacted]'s TruWest CU bank account via ACH (Automated Clearing House). Mr. [redacted] will need to contact his bank to verify receipt of the reimbursed funds. If they have not been received, he will need to contact customer service at the number listed below so that further research may be completed. Please be advised that the overdraft fees charged to Mr. [redacted]'s account in the amount of $100.00 have been waived. Unfortunately, we are unable to comply with Mr. [redacted]'s request to reimburse funds for his hardship. Ditech is only able to reimburse Mr. [redacted] for the actual fees incurred due to the error. We apologize for any inconvenience this may have caused. If Mr. [redacted] has any further questions, he may contact his account representatives Terri S. at (800) [redacted], extension [redacted], or Bobby M. 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.

Please see the response to the Mr. [redacted]'s inquiry attached.

RE: Case#11510443, [redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).Records indicate that Mr. [redacted] spoke with Customer Service on February 18, 2016, concerning our...

bi-weekly ACH (automatic clearing house) payment plan. There are no records indicating that ACH payments were set up though our system. On March 14, 2016, Ditech received a partial payment of $700.00, which was systematically applied to Mr. [redacted]' principal balance, as there was not a monthly payment due. A subsequent payment of $700.00, received on March 30, 2016, was placed in UAF as the amount received was insufficient to apply a full payment to the account.Mr. [redacted]' 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.On April 5, 2016, Mr. [redacted] contacted Customer Service and a reallocation was requested to move the payments noted above from principal and UAF and apply them to the April 1, 2016, contractual payment. The reallocation was completed on April 7, 2016. Subsequent payments were also applied to principal on April 14, 2016, and April 29, 2016. Mr. [redacted] contacted Customer Service on May 4, 2016, and a reallocation request was entered for these payments.Due to a recent internal system upgrade, which did not effect Mr. [redacted]' account, all payment reallocation requests have been delayed. The reallocation was completed on May 27, 2016. Pursuant to the correspondence received, the late fee of $65.62, assessed as a result of the delayed reallocation, was waived on June 23, 2016, and the previously collected fee amount was applied to the account's principal balance. No negative credit reporting occurred as a result of this issue. We apologize for any dissatisfaction this matter may have caused.If Mr. [redacted] has any further questions, they should contact their account representative Cathy M. at ###-###-####, extension [redacted], or Catherine 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,Kristina [redacted]Customer Service Correspondence Supervisorcc: [redacted] TEMPE, AZ 85282[redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).We would like to apologize for any dissatisfaction Mr. [redacted] encountered during the claims process. Records indicate that we mailed Mr. [redacted] a check in the...

amount of $10,000.00 on July 28, 2016. An inspection was ordered and scheduled for August 3, 2016. Mr. [redacted]'s documents were reviewed on August 4, 2016, and the inspection documents were received on August 7, 2016. On August 7, 2016, the final disbursement checks were ordered. On August 9, 2016, the final disbursement checks were mailed to Mr. [redacted] in the amount of $4,127.84, $4,224.86, and $8,927.03 and the claim was completed.If Mr. [redacted] has any further questions, he should contact his account representative Erica H. 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.

I am rejecting this response because:As you can see Feb, March and 2 payments in April one for 16.50 and one for 49.50 were taken.

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).Pursuant to your request, funds in the amount of $191.08 were reallocated from escrow and were applied to...

the late fee balance. As of the date of this correspondence, your account is due for the June 01, 2016 due date in the amount of $2,186.96. The late fee balance is $0.00.If [redacted] has any further questions, they should contact their account representative Kyonna J. at ###-###-####, extension [redacted], or Anita S. at extension [redacted]. Our Customer Service Department isalso 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], [redacted], ABINGTON, MA 02351 [redacted]

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 would like to apologize for any inconvenience that may have been caused. Please be advised, account...

records indicate that check number [redacted] in the amount of $1,042.38 was processed on July 7, 2016 and cashed on July 18, 2016.If [redacted] has any further questions, they should contact our Customer Service Department 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,Jared [redacted] DitechCustomer Servicecc: [redacted], [redacted] GREER, SC 29651 [redacted]

I am rejecting this response because:
I faxed papers to Ditech to request a "Deed in Lieu of Foreclosure" on 12 May 2016 and again on 22 May 2016. End of June 2016 I received a letter asking for the same information. I called for a week straight the first of July with no response. Even spoke with a male representative, asked him to hand write a message for my account representative, who stated he did not know who she was. I have called and left several messages for Camry [redacted], and on 23 July 2016 I called and left a message with Ms [redacted]' supervisor. Neither have called be back. I received another packet giving me 30 days to respond, on 22 July 2016. How can I respond when know one will talk to me. When I call and enter my account number, last 4 SSN or phone number I automatically get Ms [redacted]' voice mail. While I understand the Revdex.com can not dissolved a debt, you should be able to assist in getting this issue resolved. I have submitted the requested information more than once and have NEVER been getting any response or consideration for my request.For Ditech to accept my Deed in Lieu of Foreclosure and close this debt favorably. Also for management to retrain their customer representatives to be more customer friendly

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 would like to say that this company needs to improve with training the customer service representatives that work for them - we did not get clear answers from them and this resulted in a lot of confusion.  Also, the written correspondence was not clear.  The only clear communication we received was after we got the Revdex.com involved.  We are very unhappy with the confusion created by all this and while we accept the resolution of this matter there are still pending issues with this company that we will try to resolve with them directly and hopefully we will be able to.

RE: Case#[redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding an account with Ditech Financial LLC (Ditech). Pursuant to [redacted]'s request, a review of the referenced account has determined that Ditech is...

the servicer of the 1st lien loan for the property located at the referenced address. The information on file previously provided by Ms. [redacted] does not authorize her to receive information concerning this account. Our review of the account has also determined that the 1st lien mortgage was not in default and no foreclosure of the property has been completed by Ditech. Ms. [redacted] should be advised that it appears that the 2nd lien holder has not followed the legal foreclosure procedures for a 2nd lien holder to foreclose on a property. Therefore, as previously communicated to Ms. [redacted], we are unable to provide any information concerning this account to her or any agent acting on her behalf. If [redacted] has any further questions, she may contact our Customer Service Department 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 Supervisor cc: [redacted] Fremont, CA 94536 [redacted]

I am rejecting this response because:I forward all requested documentation about stated property taxes being paid for the year of 2015 and showing the it's just a block of land with no house on it. This is the type of run around that I am complaining about when you call a ditech representative your call go to their voice mail or someone else answers their line. Now, they are stating that there isn't any address on the tax form that I sent them.

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). We apologize for any confusion that this matter has caused. Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. As stated in our previous response, Mr. [redacted]'s account is assessed 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. When paying the account in full, they will be assessed interest on a daily basis from the last monthly payment received until the day the payoff is received. However, when Mr. [redacted]'s payoff was received, the account was past due for the September 01, 2016 payment of $793.57. Therefore, the full 30 days worth of interest for August 2016 was owed, which was $494.23. The per diem interest amount was for the first 7 days of September, which was $113.75. We stand by our previous response that Mr. [redacted] has already been refunded all amounts due to him. The amount of $379.58 reflected on the payment history as "partial settlement" is a write off of the remaining interest that would have been owed for the month of September if Mr. [redacted] had not paid the account in full in September. We have previously provided a payment history to Mr. [redacted] for his account and have determined that all payments were applied in accordance with the terms of the loan agreement. If [redacted] has any further questions, he may contact his account representatives Kimberlee L. 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.