Ditech Financial, LLC

I am rejecting this response because:Fundamental question of changing loan officers every few months, asking for the same documents again and again to frustrate the consumer have not been answeredEven now, lot of documents requested have already been submittedI am attaching screenshots where I submitted the requested documentsI am positive the new loan officer Wendy will leave in a month and a new loan officer will ask for the same documents againIt is frustrating, sad and shocking to see this behaviour

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 meI received the check on May 24, Thank you!

RE: Case# [redacted] , M [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by M [redacted] regarding his account with Ditech Financial LLC (Ditech).We understand Mr [redacted] 's concernsPlease be assured that his correspondence has been reviewed with the appropriate department management and the following response is provided.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 the 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.Records indicate that an escrow analysis was completed on February 1, 2016, which indicated that a shortage existed in the escrowIf the shortage payment was remitted to the escrow shortage payments address, as indicated on the Annual Escrow Disclosure Statement issued for your account, the monthly payment for the account would be adjusted to $The address to remit escrow shortage payments is:Ditech Financial, LLC [redacted] Pasadena, CA 91109The above listed escrow payment address is provided on escrow disclosure statements to ensure that escrow payments are correctly credited to the escrow shortageWhen a payment is received with no payment instructions, at the regular payment address, it is systematically applied to the account per the payment hierarchy listed above.The escrow shortage payment of $314.70, received on February 26, 2016, was remitted by electronic bill pay and included no payment instructions, therefore, the funds received were placed in unapplied fundsThe balance in unapplied funds was the combined with the subsequent payment of $814.75, received on February 29, 2016, and applied to the March 1, 2016, contractual payment due of $The remaining funds were applied to the principal balance per the above listed payment hierarchy.Pursuant to the correspondence received, payment reallocations to move the funds intended to cure the escrow shortage have been completedDue to our recent internal system upgrade, payment reallocations have been delayedThe late fees of $193.38, assessed as a result of this matter have been waived, No negative credit reporting has occurredWe apologize for any dissatisfaction the delay may have caused.If 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.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Kristina ***Customer Service Correspondence Supervisorcc: M [redacted] , [redacted] **, BOWIE, MD [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 apologize for any dissatisfaction that this matter has causedOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementOur records indicate that we received a request for loss mitigation assistance from Mr [redacted] on October 04, and on October 05, a loss mitigation application was sent to himOn October 10, 2016, we sent Mr [redacted] a letter advising that we required additional documents to complete our review of his applicationWe spoke with Mr [redacted] on November 04, and advised him that we were still missing the rental agreement and paystubs for [redacted] Mr [redacted] advised that [redacted] is not working; therefore, he was unable to provide paystubs and that he sent a letter advising that there is no rental agreementMr***'s application was then sent to our underwriting department for reviewA letter was sent to Mr [redacted] on November 07, confirming that his application was complete and we are now reviewing his account for modification optionsThis process takes approximately days to completeWe have enclosed a copy of the referenced letter for your reviewIf [redacted] has any further questions, he may contact his account representatives Daniel Gat ###-###-####, 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

We apologize for the inconvenience and dissatisfaction that this matter has caused Mr [redacted] Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementPlease be advised that loans cannot be paid full with payments remitted via our automatic payment program; therefore, the automatic payments are cancelled before the last payment is dueUnfortunately, we did not communicate this information to Mr [redacted] in a timely mannerTherefore, updated information will be submitted to the major credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) to reflect the account status as close current, with the delinquency reported for August removedThe individual credit reporting agencies may take up to 3-business days to update their systems

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 that Mr [redacted] 's payments of $1,were received on March 7, 2016, and April 6, 2016, and were posted to an incorrect account number, because the payments received included no account informationCopies of these payments are enclosed for Mr [redacted] 's reviewOn August 1, 2016, the referenced payments were correctly posted to Mr [redacted] 's account and backdated to the date of receipt to ensure proper credit to the accountLate fees of $131.10, assessed as a result of the misapplied payment, have been waivedMr [redacted] should place his account number on all payments remitted to ensure proper crediting of his accountWe apologize for any inconvenience this matter has caused.Ditech submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) to reflect Mr [redacted] 's account status of current for March and AprilThe individual credit reporting agencies may take up to 3-business days to update their systemsMr [redacted] may keep this letter for verification of the change.Mr [redacted] should be advised that many state and federal laws require disclosures to be conspicuously noted on customer communications, even if the communication is not a collection letterTherefore, the disclosure, "This is an attempt to collect a debt and any information obtained will be used for that purpose" is included on all of our correspondenceHowever, the statement does not reflect the status of the account.If Mr [redacted] has any further questions, he should contact his account representative Karlita Lat ###-###-####, extension ***, or Andre 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.Sincerely, Shea [redacted] Customer Service Correspondence Supervisorcc: [redacted] , [redacted] N CAPE MAY, NJ [redacted] Shea [redacted] Customer Service Correspondence Supervisorcc: [redacted] , [redacted] N CAPE MAY, NJ [redacted]

Initial Business Response / [redacted] (1000, 5, 2016/01/29) */ January 29, [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 an account with Ditech Financial, LLC ("Ditech") We understand Ms***' concernsPlease be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided A copy of the recent payment history is enclosed for Ms [redacted] convenienceIf she believes a payment was made but not applied to the account and would like us to research the missing payment, we will require proof of the payment (or nonpayment)Proof 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, etcPlease send the additional information to the address on this response Our records indicate, the above-mentioned account was set up for automatic payments on October 08, On October 21, 2015, the automatic payment plan was suspended because we were unable to locate the account with the information providedRecords indicate that on December 16, automatic payments were set up on the account via our websiteAt which time the bank information and debit date were modifiedAgain, on December 28, 2015, the automatic payment was suspended, as we were unable to locate the bank with the information that was providedWe apologize for the confusion this matter has causedAccount records indicate that on December 29, the automatic payment program was activated and is currently in place We apologize for any confusion or dissatisfaction this matter has caused For any additional questions or concerns, Ms [redacted] may contact our Customer Service Department at (800) [redacted] , Monday - Friday, 7:a.mto 8:p.mCST, and Saturday 7:a.mto 1:p.mCST Sincerely, Sara [redacted] Customer Service Correspondence Supervisor /db/55/ CC: [redacted] , [redacted] , Aberdeen NC

May 6, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Complaint ID #, [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”) When a payment is not received in full by the due date, attempts are made to contact the customer in order to prevent the account from further delinquency Collection communications are placed solely for the purpose of determining payment intentions when the customer fails to pay as agreed If the customer has agreed to make a payment, collection communications may continue if a payment is not received by the promised date If the delinquency is not resolved, we may exercise our right to seek possession of the collateral The account is reflecting past due; per regulations, the WA Notice of Pre-Foreclosure Options notice, dated April 20, 2016, was generated The notice advised to contact us at ###-###-#### When this phone number is called, it will ask for identifiable information, inform the customer of the account status and ask if the caller wants to speak with a representative If the caller indicates they want to speak with a representative, they are transferred to our Customer Service Department for assistance At no time, does the phone number ask for an extension We apologize if [redacted] experienced difficulties in reaching us to discuss the account status She may contact her account representative Jordanna Rat ###-###-####, extension [redacted] or Charles Sat extension ***In addition, per the terms of the contract, the lender may pay necessary expenses in order to protect its security interest in the property The lender may then seek reimbursement from the customer Unless arrangements are made, failure to pay the expenses may constitute a continuing default under the terms of the contract Records do reflect that we ordered an inspection of the property, which was completed on April 20, As part of the inspection process, the vendor placed a notice, in an envelope, on the door advising [redacted] to contact us We apologize if the phone number left on the note was not accurate Please note, our Customer Service Department phone number below for future referenceWe again apologize for any dissatisfaction this matter may have caused If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/32/ cc: [redacted] ***, [redacted] **., Vancouver, WA

I am rejecting this response because: calendar days does not give enough time to make sure that all credit bureaus have been updated to show NO late payments on my loanI would like business days to check my credit reports

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)Records indicate that an email dated December 15, 2016, was received and entered into Ms***'s account for response on December 19, Although we strive to respond to all inquires as quickly as possible, due to the current volume of inquires, responses may take up to approximately days to be processedA responses to Ms [redacted] 's additional correspondence submitted to Ditech on December 15, 2016, December 22, 2016, and January 2, 2017, had not yet been responded to when this complaint was receivedA review of Ms***'s account has determined that a payoff quote was issued for Ms***'s account on November 17, 2016, pursuant to a request made by First American Title Company on November 16, Included with this payoff quote is a notice which states " If you currently have your monthly payment set up on automatic withdrawal, or have any pending payments set up, we advise you to contact Customer Service at the below phone number to cancel your activation/payments prior to payoff." A payment of $191,was received on December 14, 2016, and was applied to the account as a payoffA review of the account confirms that a request to cancel Ms***'s automatic payment plan was not received and a payment of $1,612.06, was transmitted for processing to days prior to its receipt on December 15, Funds received after an account has been closed are automatically returned approximately days after receiptPursuant to Ms***'s request, the refund of the additional payment referenced above was expedited and returned directly to her bank account on January 6, If [redacted] has any further questions, she may contact our Customer Service Department at (800) [redacted] 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] ***, OAKLAND, CA ***.***@gmail.com [redacted]

We apologize for any dissatisfaction [redacted] encounteredOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement.Our review of the concern determined the school taxes were delinquent in the amount of $3, This amount included the base tax payment of $3,and penalties and interest of $A payment of $3,was disbursed from the escrow account on July 14, 2016, for taxes [redacted] is not responsible for paying the penalties and interest.If [redacted] has any further questions, she should contact her account representative Sommer Lat ###-###-####, extension ***, or Anita 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

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)Pursuant to Mr [redacted] 's correspondence, a review of his account determined the following: On January 30, 2015, payments for delinquent property taxes, in the amount of $2,148.60, were disbursedOn March 10, 2015, a property tax refund, in the amount of $2,was receivedSubsequently, payments for property taxes were also disbursed on March 27, 2015, October 6, 2015, March 26, 2016, and October 20, These disbursements resulted in a negative escrow balance of $4,in November 21, Unfortunately, an escrow analysis was never completed for the account to increase Mr [redacted] 's monthly payment for the addition of escrow until June 30, The analysis completed increased the monthly payment from $to $1,monthlyRecords indicate that Mr [redacted] contact our Customer Service on October 30, 2015, who confirmed that the property taxes were now escrowedNo further contact occurred with Mr [redacted] until September During a subsequent contact with Mr [redacted] it was determined, that additional payment amounts had been remitted using Mr [redacted] 's electronic bank bill pay service, since May 1, 2015, which were intended as payment for property taxes Ditech had disbursedThe electronic payments did not include payment application instructions, and the account had not been appropriately coded to indicate an escrow payment was needed, which would have triggered an initial escrow analysis to be completed, which caused the funds received to be systematically applied to the account's principal balanceIn response to Mr [redacted] 's concerns, we have completed payment reallocations to correct the funds applied outside of Mr [redacted] 's intentionMr [redacted] has remitted sufficient funds to zero the balance of the escrow account and as a courtesy, Ditech has agreed to cancel the escrow account and the late fees assessed to the account have been waivedThe negative credit reporting that occurred as a result of the incorrectly applied payments has been corrected with the credit reporting agenciesWe apologize for any inconvenience this matter may have causedIf Mr [redacted] has any further questions, he may contact their account representatives Courtney Jat ###-###-####, 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.mCTSincerely,Jared [redacted] Customer Service Correspondence Supervisor cc: [redacted] , [redacted] *, PUYALLUP, WA [redacted]

Check needs to be reissued in my nameI approve and certify this complaint

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 $were reallocated from escrow and were applied to the late fee balanceAs of the date of this correspondence, your account is due for the June 01, due date in the amount of $2,The late fee balance is $0.00.If [redacted] has any further questions, they should contact their account representative Kyonna Jat ###-###-####, extension ***, or Anita Sat extension ***Our Customer Service Department isalso 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] DitechCustomer Servicecc: [redacted] , [redacted] **, ABINGTON, MA [redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)After careful review of the account, we have verified that a reimbursement in the amount of $1,was processed on January 09, The reimbursement was processed as a check and was sent to the mailing address listed on the accountAdditionally, a payment in the amount of $1,was received on January 25, 2017; however, a reimbursement was requested for this payment as wellOn January 26, 2017, the reimbursement was processed and a check in the amount of $1,was sent to the mailing address listed on the accountPlease be advised that the reimbursement checks are issued in the names of both borrower listed on the accountReimbursement checks can be reissued in the name of one borrower; however, the request must be submitted along with the original checks, a copy of the completed divorce decree and a copy of the Quit Claim DeedMs [redacted] may submit her request to the mailing address or fax number listed aboveIf Ms [redacted] has any further questions, she may contact her account representatives Alisha M at ###-###-####, extension ***, or Jerry Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

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 her account with Ditech Financial LLC (“Ditech”)We understand [redacted] ‘s concernsPlease be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided Pursuant to [redacted] ’s request, we have reivewed the credit reporting for her accountThe account had previously been reported as foreclosure intitated for the account, but not as a repossessed propertyWe have submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) to reflect the account status of closed, was + days past dueThe individual credit reporting agencies may take up to 3-business days for this information to be updated by the Credit BureausPlease keep this letter for verification of the changeWe again apologize for any dissatisfaction this matter may have causedIf you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) 643-0202, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, [redacted] Customer Service Correspondence Supervisor /asw/36/ cc: [redacted] [redacted] Tell us why here

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).As advised in our previous correspondence, we did not receive the Master Policy needed to update the accountThe information that was received from the prior servicer included expired policy informationOn March 14, 2016, a fax was sent to Global Indemnity Insurance Agency Incat 732-632-requesting the updated Master PolicyWe have also attempted to locate the current Master Policy information in the Condo Database; however, a current policy was not foundOn June 20, 2016, an additional fax was sent to Global Indemnity Insurance Agency Incat 732-632-requesting the updated Master PolicyAs of today's date, an updated Master Policy has not been received.The sale and transfer of servicing rights between financial institutions is a common occurrence in today's lending industryPlease note we are unable to facilitate MrNash's request as we cannot transfer an account upon a customer's request

I am rejecting this response because: I do not want another appraisal done by someone from Ditech, while you are saying that they are not bias, based on the last inspection that is clearly the caseTo any person it is clear that when the appraisal comes in at just over 80% of the LTV ratio that something funny was going on Not to mention when I pressed Ditech about this and said that appraisal was bad it took them months to finally change their story and say now my loan needs to be at 75% LTV (Obviously because I paid down enough to be under 80% and once I was the rules changed suddenly) The last appraiser Ditech sent should not even be licensed to appraise a home when she cannot do basic math and add up adjusted comparable totals , and divide by 3, to come to a more sensible value, one that is actually justified by the numbers Furthermore it is pathetic that NO ONE at Ditech can do any simple basic research and look at the information I provided and what their own appraiser provided to see how wildly far off the value was.At this time I am adjusting my complaint and requesting that Ditech reimburse me for the months of PMI ($x = $454) from November through March that I paid, and for the reimbursement of my closing costs that I have to pay to my new lender to refinance my loan ($3,012)As I said previously in my dispute a new lender has approved a refinance on my mortgage WITHOUT an appraisal They easily accepted $225,as the value of my home and were confused why Ditech would be so hard headed and stupid to deny that Ditech has caused hours of mental anguish and frustration forcing me to wait days for callbacks or reviews by the "escrow" team that never happened I never received any callbacks from management and after being told several times someone in the escrow department would call me, then requesting a manager in the escrow department to call meI was notified after months of requests that no one at the escrow department ever picks up the phone or has to explain their actions of what they are doing Throughout the entire time I was with Ditech I consistently made all my payments in full and on timeDitech got everything that they asked of me and In jumped through every hoop they placed in front of me along the way (including having to fax in documents because in they don't have a process for receiving emails or scanned documents)I have a thorough knowledge of mortgages and the lending process and I am in amazement over how far this has dragged on If Ditech would have just resolved this matter from the beginning we would not be where we are today Ditech is SOLELY to blame for all the issues associated with this process and my frustration If Ditech does not agree to my reimbursement I will continue to file any and all complaints possible because this is a very deceptive and manipulative business practice that Ditech is involved in and they should not be putting anyone else through this type of stress EVER

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 $was received on July 17, and was combined with the credit balance in unapplied funds to apply the next consecutive full monthly payment due of $to the June 1, contractual due dateMr [redacted] should note that the May 22, 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, to $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 $in unapplied fundsA payment of $is required to pay the July payment and satisfy the outstanding late feesA payment of $is required to satisfy the July 1, contractual paymentA closing escrow analysis will be completed and any remaining balance of escrow will be refunded to Mr [redacted] under a separate coverMr [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 Wat (800) [redacted] , 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

Please see the resolution to the customer's complaint attached