Ditech Financial, LLC

***corresponding documents attachedRE: Case # [redacted] , Glen ***Dear Angela [redacted] :Thank you for the opportunity to respond to the complaint filed by Glen [redacted] regarding their account with Ditech Financial LLC (Ditech).Our records indicate that the payment of $remitted via check number was received by Ditech on May 02, 2016; however, a complete account number was not listed on the check, nor did the name or address on the check match any of our accounts Since we were unable to locate the account the funds were intended to be applied to, the funds were mailed back to Darlina [redacted] via check to Calle Sombra, Moreno Valley, CA on May 16, Since the funds were returned and not applied to the account we are unable to change the credit reporting for the May 01, due date Ditech is legally required to report accurate information and therefore is prohibited from changing credit reporting as a courtesy or to facilitate restoration of Mr***'s credit rating.Please note that in accordance with Mr***'s claim that the funds were not returned to Darlina ***, we have reissued the check for $ A copy of Darlina ***'s original check payment has been enclosed for Mr***'s reference.If Glen [redacted] has any further questions, he should contact Our Customer Service Department at (800)643-0202, Monday - Friday, 7:a.ato 8:p.mCT, and Saturday 7;a.mto 1:p.mCT.Sincerely,Shea [redacted] Customer Service Correspondence Supervisorcc: GLEN ***, [redacted] ***RRA0rio0dsl

I am rejecting this response because: I am requesting that the complaint be reevaluated and that Di-Tech be forced to answer why they responded to the Revdex.com the way they did Di-tech responded with the letter to the Revdex.com stating “at this time, Ditech has made no reporting to any of the credit agencies(EXPERIAN ” This is a statement and I have evidence to support my claim As I predicted when we talked, based on my past discussions with DiTech and what I consider to be shady business practices, upon my call to Di-Tech, they claimed that “although they had not file any complaint at that time(time of the Revdex.com response letter), after further review, they’ve decided to report the late payment to the credit agency.” I have attached a screenshot from my FreeCreditReport.com reflecting the credit cycle of my credit report; adjusting in December from their initial report, increasing from their removal of it, and then decreasing again after it they had sent the letter I have requested a December and January report from Experian showing their report in December, their removal of the reporting in January and then the February report (attached) showing them again putting the report back onto my credit report I have also attached a copy of the February report showing Di-Tech reporting of a late payment It appears they purposefully removed the reporting to make a “non-reporting” statement in January to the Revdex.com Then, after this complaint was closed, again report an inaccurate late payment to my account Please let me know what further is needed from me to support this complaint Thank you!

Hello,I have just spoken with Ditech and they will be sending my reimbursements for sending the check along with the $1,check as wellIn regards to the request for additional amount from the cost of the replacement of my roof I will submit a offical complaint against the insurance company directly

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 causedPlease be advised, account records indicate that check number [redacted] in the amount of $1,was processed on July 7, and cashed on July 18, 2016.If [redacted] has any further questions, they should contact our Customer Service Department at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Jared [redacted] DitechCustomer Servicecc: [redacted] ***, [redacted] GREER, SC [redacted]

Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)Private Mortgage Insurance, or PMI, is a type of insurance required with some mortgage contracts to protect the lender in the event a borrower would default on their loanPMI benefits customers with lower down payment requirements and protects lenders from potential default lossesDitech notifies the PMI Company of a default when the account becomes days delinquentAs customers repay their home loan, they build equity (home worth amount - amount owed = equity)The contract can specify a time-period that the PMI is required and after this time the customer would be allowed to request the PMI be removed from their account if certain requirements are metThe address for the submission of escrow requests and authorizations to is provided below for Ms [redacted] 's convenienceRequests may be faxed or mailed to: Ditech Financial LLC L800- Escrow Dept [redacted] StPaul, MN Fax: ###-###-#### Records indicate that Ms [redacted] 's loan originated on May 29, 2015, in the amount of $385,By taking the current principal balance of the loan, which is $378,115.15, and dividing it by the original principal balance of $385,900.00, the approximant loan to value ratio of the loan is ($378,/ $385,= .979) 98%Per the PMI disclosure signed by MsChaves on May 29, 2015, the borrower has the right to request the cancellation of PMI when the loan to value ratio is less than 80% or the date the loan is scheduled to reach 80%, which is October 1, Please note, the actual loan to value ratio will depend on the results of an appraisalCopies of Ms [redacted] 's initial PMI disclosure and an informational pamphlet from the Department of Finance is enclosed for Ms [redacted] 's reviewA request to complete an appraisal and the required authorization to assess the cost of that appraisal to the account has been receivedOur Escrow Department will contact Ms [redacted] in order to schedule the appraisal and the results of the review will be sent in writing by our Escrow Department when the review has been completed.If [redacted] has any further questions, she may contact her account representative Hiwot Gat ###-###-####, extension ***, or Emmanuel 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,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] , [redacted] THORNTON, CO [redacted]

April 14, [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 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, 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 accountA copy of the transfer of servicing notice dated February 29, 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 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, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Shea [redacted] Customer Service Correspondence Supervisor /ars/40/ cc: [redacted] [redacted] Fort Wayne, IN [redacted]

I am rejecting this response because: Delinquent Account Lender 4/13/ DITECH FINANCIAL LLC [redacted] RAPID CITY, SD nullnull A lender reported that you did not pay them on time, and the account is now 30, 60, or (or more) days late Reporting Detail Account Number [redacted] THIS IS FROM MY CAPITAL ONE FICA SCORE WHICH IS POINTS LOWER BECAUSE OF THIS

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 processRecords indicate that we mailed Mr [redacted] a check in the amount of $10,on July 28, An inspection was ordered and scheduled for August 3, Mr***'s documents were reviewed on August 4, 2016, and the inspection documents were received on August 7, On August 7, 2016, the final disbursement checks were orderedOn August 9, 2016, the final disbursement checks were mailed to Mr [redacted] in the amount of $4,127.84, $4,224.86, and $8,and the claim was completed.If Mr [redacted] has any further questions, he should contact his account representative Erica Hat (800) [redacted] , extension ***, or Andrew Aat extension ***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.mCT, and Saturday 7:a.mto 1:p.mCT

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding his account with Ditech Financial LLC (“Ditech”).In order to fully respond to Mr***'s request to provide the events that led to his unpaid principal balance to be increased at the time of the modification and the current status, we have provided a chronology of events below:On December 20, 2007, a Promissory Note was executed by [redacted] A [redacted] securing a loan amount of $417,The execution of this loan reflected a maturity date of January 1, 2038, which meant Mr [redacted] was to repay the full debt by this dateA review of Mr***'s loan confirms that his loan was also originated as a non-impounded account, which meant that he was responsible to maintain and keep the property taxes and/or the hazard insurance up to date.On May 22, 2009, the previous servicer GMAC Mortgage, LLC (GMAC), disbursed $17,for delinquent property taxesThis disbursement of funds created a negative escrow balance of $17,Additionally, Mr [redacted] failed to continue to tender the contractual mortgage payments after March causing the loan to become delinquentOn December 17, 2009, GMAC offered Mr [redacted] a Payment Reduction Plan Agreement as follows: 1st payment: $1,due on 01/01/2nd payment: $1,due on 02/01/3rd payment: $1,due on 03/01/4th payment: $1,due on 04/01/5th payment: $1,due on 05/01/6th payment: $1,due on 06/01/Based on the Payment Reduction Plan Agreement, each payment was due on or before the due dateA review of GMAC’s payment history shows that the following payments were received: $1,773.62- received on 12/31/$1,773.62- received on 04/06/$1,773.62- received on 06/04/Therefore, it appears that Mr [redacted] did not complete the Payment Reduction Plan AgreementThe following escrow disbursements were also made on behalf Mr***, further increasing the negative escrow balance owed:September 2, 2010: an escrow disbursement was processed in the amount of $15,390.20.November 12, 2010, an escrow disbursement was processed in the amount of $11,630.49December 23, 2010, an escrow disbursement was processed in the amount of $We have provided Real Estate Property Tax information breakdown from the County of Palm Beach where the subject property is locatedMr [redacted] may contact the Palm Beach County Tax Collector to validate the payments made by GMAC from May through December Our records confirm that Mr***'s loan was serviced released to Ditech, formerly known as Green Tree, effective February 1, Upon the servicing transfer of Mr***'s loan, the account was contractually due for the July 1, payment and had a negative escrow balance of -$43,The account continued to be a non-escrowed account, in which Mr [redacted] was still responsible to maintain his property taxes and insurance up to dateAdditionally, GMAC did not inform us that a modification offer had been extended to Mr [redacted] prior to the transfer of his accountOn April 20, 2013, Mr [redacted] was considered for modification after the receipt of a complete Borrower Response PackageAt the time of the modification evaluation, Mr***'s gross monthly income was validated as $10,On April 23, 2013, a Trial Period Plan was offered to Mr [redacted] that required three (3) trial payments: 1st payment: $4,by 06/01/2nd payment: $4,by 07/01/3rd payment: $4,by 08/01/Please note that the investor of Mr***'s loan, Fannie Mae (FNMA), deemed the trial payment of $4,as affordableIn addition, FNMA required that all of Mr***’s monthly payments include a monthly escrow paymentIf the mortgage loan being considered for a modification is a non-escrowed mortgage loan, the servicer must establish an escrow deposit account prior to the beginning of the trial periodThe servicer must ensure that the trial payments include escrow amounts and must place the escrow funds into a separate account identified for escrow depositsAt the time of the trial period offer, an escrow account was activatedSince Mr***'s loan was still considered a non-escrow account, our third party property tax vendor conducted a real estate search and identified that the following property taxes were still owed: property taxes of $10,property taxes of $11,On June 24, 2013, the above listed property taxes were disbursed from Mr***'s escrow accountBased on the Real Estate Property Tax information breakdown from the County of Palm Beach, Mr***'s property taxes were paid in full at that timeOn August 26, 2013, a permanent Loan Modification Agreement (Agreement) was mailed for Mr***'s executionThe Agreement reflected the following terms: New Unpaid Principal Balance: $554,Fixed Interest Rate: 6.1250% Principal & Interest Payment: $3,Monthly Escrow Payment: $1,Total Mortgage Payment: $4,Effective Date: 08/01/Maturity Term: 08/01/2053The capitalization of the loan was based on the below breakdown: Beginning Unpaid Principal Balance: $408,Capitalized Interest: + $93,Escrow Advance: + $43,Corporate Advances: + $9,Modified Unpaid Principal Balance $554,Please keep in mind that Mr***'s loan was contractually due for the November 1, through the August 1, payments at the time of the finalization of the modificationIn our April 5, correspondence, a payment history was enclosed that outlined the application of funds towards the delinquency owed when the modification terms were applied on September 19, After further review, it has been determined that the escrow disbursements processed by GMAC totaling $43,were included in the modificationHowever, a subsequent negative escrow balance, in the amount of -$25,was not included in the capitalization of the modificationThis negative escrow balance was a result of the property taxes and insurance disbursement proceeds from May 29, through August 8, In the event that these monies had been included at the finalization of the modification, Mr [redacted] would have seen a total Escrow Advance of $69,449.30, which would have resulted in a higher Modified Unpaid Principal balance of $580,Additionally, Mr [redacted] would have been required to pay interest at 6.125% on the additional $-25,over a month termAs explained in our correspondence letter dated April 5, 2016, Ditech has spread the current escrow shortage/ deficiency over a month periodThis escrow shortage spread does not require Mr [redacted] to pay interest on the escrow deficiency on the Modified Unpaid Principal balanceA review of Mr***'s loan confirms that he was considered for a modification on March 11, During the modification evaluation, it was determined that the gross monthly income was validated as $2,As previously mentioned, FNMA requires that all of the customer's monthly payments include a monthly escrow amount when considered for modificationMr***'s escrow account is established to pay the following escrow items: Tax Collector/ Agency Installment Estimated Disbursement Amount Parcel / Policy NoUniversal P&C Insurance Hazard Insurance Annually $6,Wright National Flood Insurance Annually $Palm Beach County Tax Collector Annually $11, Total $18,243.06Based on the annual estimated disbursement amount, Mr***'s base monthly escrow collection would be $1,along with a cushion of two months of the base escrow amount this would require an escrow payment of $1,Ditech would be unable to extend an affordable modified payment with Mr***'s gross monthly income of $2,Additionally, Mr [redacted] was mailed a decline letter on March 11, 2016, that provided him the modification reasons along with a Notice of Property Value reflecting a value of $978,At this time, Mr***'s loan is contractually due for the August 1, payment and all subsequent payments, with an unpaid principal balance of $546,If Mr [redacted] can no longer afford the subject property, he may consider a Deed-in-Lieu of ForeclosureA DeLieu of Foreclosure is a deed instrument in which a mortgagor (i.ethe borrower) conveys all interest in a real property to the mortgagee (i.ethe lender) to satisfy a loan that is in default and avoid foreclosure proceedingsIf Mr [redacted] has any further questions, he should contact his account representative [redacted] Aat (800) 643-0202, extension 62586, or [redacted] Pat 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.m., and Saturday 7:a.mto 1:p.mCT

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 causedUnfortunately, due to a system upgrade the reallocation was not completed in a timely manner.Your payment in the amount of $was received on March 24, and was applied as extra towards principalPursuant to your request, these funds have been reallocated and applied toward the April 1, due dateA second payment in the amount of $was received on April 29, and was applied to the May 1, due dateA late fee in the amount of $30.79, that was assessed for the misapplied payment, has been waivedAs of the date of this correspondence, your account is next due for the June 01, due date in the amount of $866.16.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.mCT Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] ***, [redacted] BELOIT, WI ARSw5eBzkeB

Please see the response to the customer's complaint attached

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 that the service Mr [redacted] received was not to his satisfaction Records indicate that a request for an Actuarial Payment History was completed on September 28, 2016, a request for an Actuarial Amortization Schedule was completed on October 12, 2016, and a request for an Actuarial Payment History was completed on October 25, Pursuant to Mr [redacted] 's correspondence, we have researched an "acutuarial statement" and have been unable to find a definition that corresponds with Mr [redacted] 's request; therefore, we are unable to provide an "acutuarial statement" or an actuarial statementMr [redacted] 's account originated on October 23, 2014, as a fixed interest rate, first lien loan, in the amount of $126,The interest rate for his loan is 3.756%The regular monthly principal and interest payment is $The account is escrowed for the payment of hazard insurance, flood insurance and property taxesThe loan 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 loan investor'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 paymentThis form of interest results in a gradual reduction, over the schedule repayment period, in the amount of the principal and interest payment that is applied to interest and a corresponding gradual increase in the portion of the regular payment which is applied to the loan's principal balanceThe increases/decreases may be calculated and provided to the customer in an Amortization ScheduleIt should be noted that an amortization schedule is based on anticipated payments, and payments previously remitted may or may not be included on the amortization schedule, and any transactions outside of the regular scheduled monthly payment will result in a change in the amortization scheduleAdditional principal only payments applied to the loan balance will result in a shorter amortization schedule and skipped payments will result in what appears to be a "balloon" payment due at the maturity date of the loanThe maturity date of a loan is the date that all originally scheduled payments were to be received byThis date may be effected by deferrals or modification of the original loan termsAn amortization schedule for Mr [redacted] 's account is enclosed for his conveniencePlease note, as a result of our recent internal system upgrade, we are providing a pre-system upgrade amortization, which will not include any payments received after March 31, and an amortization for the account using the upgraded servicing system, which will begin on November 1, As these documents represent information listed in two different servicing systems they are unable to be combined into one documentWe apologize for any inconvenience this may cause.A payment history and a spread sheet of transactions occurring within the last months are also enclosed for Mr [redacted] 's accountThe account payment history will also be provided in two separate documents because of the referenced system upgradeIn response to Mr [redacted] 's concerns about the information indicated on his billing statements, we provide the following response: Mr [redacted] 's account requires that only a full payment be credited to the next monthly payment due datePayments that are received in amounts less than the full payment due are placed in the unapplied funds ("UAF")When sufficient funds are available that allow the full payment to be credited to the account the funds are removed from UAF and applied to the next consecutive 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 accountOur research has determined that Mr [redacted] has been remitting payments in amounts less than the full payment duePartial payments combined with the our internal servicing upgrade, resulted in some partial payments having been systematically applied to the principal balance of the account using the above listed payment hierarchyOn October 17, 2016, corrections to the payments previously received were completed, the account brought current, and next due for November 1, contractual paymentThe late fee totaling $29.31, assessed to the account was waived at that timeUnfortunately, we do not have the ability to re-create monthly billing statements and are unable to comply with Mr, [redacted] 's request for updated monthly billing statements for previous monthsMr [redacted] should be assured that negative credit reporting did not occur as a result of this matterIn response to Mr [redacted] 's concerns about the letter he received with the notation of "This letter is from a Debt Collector...", we provided the following response: Our records indicate that during the reallocation process referenced above payments were required to be reversed and reapplied to the account in a multi-day processThis resulted in systematically generated notices, which are legally required to be sent for delinquent accounts, being issued for Mr [redacted] 's accountUnfortunately, because they are systematically generated there is not an option to prevent these letters from occurring as a result of a reallocation being completed for an accountWe apologize for any dissatisfaction this may have causedMr [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 accountPursuant to Mr [redacted] 's request, a request to perform a "call back" has been enteredIf Mr [redacted] has any further questions, he may contact their account representatives Jalana Nat ###-###-####, 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.mCTSincerely, Shea [redacted] Customer Service Correspondence Supervisorcc: [redacted] , [redacted] ***, LEXINGTON, KY [redacted]

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.Thank you very much for your assistance as talking directly with Ditech was not successful I will be following up with the credit reporting companies to verify that this inaccurate information has been removed from our filesSincerely, [redacted]

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)As advised, our records do not indicate that the account was reaffirmedIf Ms [redacted] would like an opportunity to reaffirm her loan, she would need to contact her bankruptcy attorneyFurther, our previous response should have advised, since Ms [redacted] discharged her obligation to the loan, Ditech submitted an Automated Universal Data form (AUD) on July 21, 2016, to the four major credit reporting agencies (Equifax, Experian, Innovis and Transunion), to delete Ditech's tradeline from her credit reportEnclosed is a copy of the letter sent to Ms [redacted] dated August 14, 2015, advising she was approved for trial period paymentsRecords indicate the we received each trial payment in the month it was dueHowever, during a trial period plan, funds received are credited toward the trial schedule, but held from posting until the time that a full contractual payment is receivedOnce the full contractual payment is received, the funds are then posted to the oldest payment dueAny remaining funds are then held towards the next full contractual payment or until the trial has completedOnce the trial plan has completed, additional funds received, will hold from applying until the final loan modification is performedThese payments will be applied as post-mod paymentsThis is explained under the "Additional Trial Period Plan Information and Legal Notices" in the enclosed letterSince the payment of $1,received in September was not enough to complete a full contractual payment, it was placed in suspense until the next trial period payment was received in October Therefore, the September payment was not applied until October 5, The November trial payment was combined with the remaining October funds and the October payment was applied to the account on November 4, The November payment was applied to the account on December 4, If Ms [redacted] has any further questions, she may contact her account representatives Darlene Wat ###-###-####, 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.mCT

After several phone callsDitech was still unable to tell us why the bank draft had been cancelled and unclear on the balance of our loan They kept us confused and anxious about the status of our mortgage which was paid in full at this time This should never have been reported to the credit bureaus and Ditech should act quickly to remove that from my credit history They told me they would not remove it

We will need a signed written consent

Initial Business Response / [redacted] (1000, 8, 2016/02/03) */ February 3, [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") The above referenced account is currently in a foreclosure statusTherefore, a payoff quote may be delayed as a result of needing to obtain legal fees/costs from the foreclosure attorneyRecords reflect a payoff quote was mailed to [redacted] on December 28, 2015, copy enclosedIn addition, our foreclosure attorney also mailed a payoff quote to her on January 13, 2016, copy enclosedAs indicated in the payoff quote from our attorney, [redacted] should contact their office to obtain the exact amount due prior to sending any fundsPlease be advised, a reinstatement quote has been requested and will be mailed to [redacted] under separate cover 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 Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/27/ cc: [redacted] , [redacted] , Westbrook, ME Initial Consumer Rebuttal / [redacted] (3000, 10, 2016/02/11) */ ***response has been scanned in and is available using the online complaint system Final Business Response / [redacted] (4000, 20, 2016/03/03) */ ***Document Attached [redacted] March 2, [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 her account with Ditech Financial LLC ("Ditech") We apologize if [redacted] did not receive the payoff quotes dated December 28, and January 13, Records reflect the account was transferred to us with a difference mailing address than billing addressThe billing address on file was [redacted] , Westbrook, ME The payoff quote dated December 28, 2015, was mailed to the billing address, which was [redacted] , Frederick, MD The payoff quote was sent to the property address and mailing address on fileWe were not aware the property address was no longer valid and/or the property was vacantPlease be advised, our records have been updated to reflect the mailing and billing address as: [redacted] Westbrook, ME Please be advised, the payoff funds in the amount of $6,were posted to the account on February 4, 2016, and the account was closed 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 (800) [redacted] , Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/27/ cc: [redacted] , [redacted] , Westbrook, ME

I am rejecting this response because: Ditech's response shows numbers which do not match the Payment History available through my account on the Ditech website I've made a PDF of the Payment History and attached it to this correspondence.The attached PDF'd Payment History shows that between 11/26/and 12/06/the Principal Balance on my account increased from $85,to $86, This is an increase to my Principal Balance of $1,for the "reallocation." This is where I first noticed Ditech had made changes to my account (without any prior correspondence regarding their errors) on 12/31/16.Furthermore, Ditech's response included account activity which shows my principal balance to go as high as $88,on 12/06/16, but that is not reflected in any of my online statements, nor is it reflected in the attached Payment History Please explain the $1,increase to my Principal Balance as reflected on the Payment History for my account (attached)

a Modification Agreement was offered previously; however, at this time, the agreement has been terminated by the investor of the loanA review of the account has concluded that after submitting a complete borrower response package for an assumption of the subject propertya trial period plan was approved on March 10, When this trial plan was complete a final Modification Agreement was offered on August 12, for which it was necessary to schedule an assumption closing meeting in which the documents would be signed and notarized in the presence of a certified attorneyDitech scheduled meetings for both September 1, and September 2, 2016; however, Mr [redacted] did not attend these meetings and as such the documents were not signed A second set of documents was generated on May 1, and a new assumption closing meeting was scheduled for May 6, 2017, which again Mr [redacted] did not attendIt was at this time that Ditech found proof that Mr [redacted] was not residing at the subject property, instead Mr [redacted] had been residing within his primary property in the state of CaliforniaAccording to investor guidelines, occupancy is a requirement of the assumption process, as such it was learned that a critical investor requirement was not being met Once Ditech had learned about this issue an effort was made to reach out to Fannie Mae and request an exception to this guidelineHowever, Fannie Mae refused to honor the exception based on the potential risk associated with not following the guidelineAs such, Ditech has since been forced to deny the modification agreement per investor request and guidelinesAs long as the subject property is not considered Mr [redacted] 's primary residence no further loss mitigation assumption actions may be undertakenAdditionally, we are unable to comply with Mr [redacted] 's request that Ditech payoff a homeowners association lien

I am rejecting this response because I was never given the opportunity to reaffirm my loan on any account nor have I had any knowledge of the clauses of having my loan present on my credit reportBut for when green tree purchased my loan from Bank of America my loan it was transfer as a modification and in bankruptcy from thereonDuring this time , I had previously submitted an application for a modification with green treeThis new modloan was visible on my credit report and in bankruptcy during this transaction So, therefore, I find their statement ironic as my file promotes the opposite Lastly, Ditech has not addressed my second part of my concernIn the last sentence, as my payment history reflects late paymentsI am still without word to the adjustment on my fileEven through this loan will not show forth on my credit report due to the calamities The errors still do exist and are displayed as a blemish on my file with a DitechAs I have recently attempted to refinance with Ditech’s Refinance DepartmentI have spoken with Representative Eric who has unfortunately, upon review of my account payment history, disclosed I have been late in September, October and November of These posting are inaccurateBut more importantly, if the alleged late payments for the months in question were not met, I would not have ever been approved for my current modification in January of Simply, all four payments were made on timeI have submitted copies of my payment history which is visible and documented by Ditech website to address this issue on July 12, As this will establish my consistency and, my timely made payment to Ditech I would still need this area of my compliant investigated, in that I may obtain a better rate to move forward with Ditech's Refinance DivisionThank you in advance for addressing my concern Respectfully, [redacted] / [redacted] Style Definitions */