Ditech Financial, LLC

The Revdex.com has my consent

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)As previously stated in our response dated February 21, 2017, we understand that Mrand Mrs [redacted] were provided incorrect information concerning the $1,Home Affordable Modification Program (HAMP) incentive payment and we apologize for the inaccurate information providedHowever, we are unable to reallocate those fundsAdditionally, we removed the negative credit reporting that was caused due to the misinformation providedHowever, the payments are still owed and Mrand Mrs [redacted] will need to make those paymentsThere may be options available to assist Mrand Mrs [redacted] in bringing the account current, such as a deferral or short term repayment planThey may contact their Account Representative at the phone number listed below to discuss their optionsPlease be advised, Mrand Mrs***'s account will still be eligible for the yearly HAMP incentive credit, as long as their account does not become or more days delinquentAs of the date of this correspondence, the account is days past dueThe due date for this account is the 1st day of each monthIf a payment is not received in full by the 1st day of the month, the account will be past dueIf a payment is not received in full by the end of days after the due date, a late fee may be assessedThe grace period refers solely to the date in which late fees may be assessed and has no bearing on when the account is considered past due or when collection activity may beginAny payment that is not received prior to the billing statement being generated will not be reflected on the statementCustomers may view up-to-date account information on our website: www.ditech.comOur records indicate that a billing statement was sent on January 20, 2017, which indicated an amount due of $1,Please understand that the amount due included the past due amount for the December and January monthly payments and the amount that would be due February 01, We apologize for any confusion this may have causedAs of the date of this correspondence, the account is past due for $1,for the payments due January 01, and February 01, If [redacted] has any further questions, she may contact her account representatives Rosa Rat (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

Pursuant to Mr [redacted] 's correspondence, research into the referenced payment was completed, it was determined that the payment reversed from the account on February 1, 2017, was the payment of $originally made on December 31, The date that the reversed payment was received was listed on the returned payment notice sent to Mr [redacted] on February 2, A copy of this notice is enclosed for Mr [redacted] 's review.Our review found that a stop payment request, for the December 31, payment, was received from Mr [redacted] 's bank on January 6, Although the stop payment request was received on January 6, 2017, it was not immediately processedOn February 1, 2017, the stop payment was processed and the amount of $was reimbursed to Mr [redacted] 's bankThe amount of the reimbursement was taken from the last payment remitted for the account, which was received on January 31, and had been applied to the account for the February 1, paymentAfter the reversal of the $340.69, the remaining balance of the funds remitted on January 31, 2017, in the amount of $187.83, were placed in unapplied funds (UAF), until additional funds were available that would allow us to credit a full payment to the accountAn additional payment of $was received on February 11, 2017, combined with the UAF balance of $187.83, and was credited to the February 1, payment of $340.69, with the additional funds of $being credited to the negative escrow balance.Mr [redacted] should be advised that the reversal of the December 31, payment did not cause the current account delinquencyOur records indicate that no payments were remitted for the account in March; therefore, when the funds were remitted as payment in April, they were first applied to the March paymentAs of the date of this letter, the account is due for the May 1, payment of $340.69, has $in unapplied funds, and an outstanding late fee balance of $

May 16, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] [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 be advised that on April 1, 2016, Ditech completed a system upgradePayments received the first week in April were delayed in posting to their respective accounts due to this upgradeWe apologize for the length of time it has taken to correct the payment posting delaysPlease be assured that all payments have been appropriately credited to Mr [redacted] ’s account and no negative credit reporting has occurredPayments have been posted to the account as follows: Amount Date Posted to Running Suspense $4/4/Suspense from old system $$1,4/11/$1,to March 1, payment $ 4/11/$to suspense $1,4/11/$1,to April 1, payment $ 4/11/$to late charge, $to suspense 4/11/$from suspense balance to principal $1,4/12/Suspense $1,-$1,4/19/Reversed from suspense $$2,4/29/$1,to May 1, payment $ 4/29/$to principal $1,5/6/$1,to June 1, payment $ 5/6/$to principal As of the date of this letter, Mr [redacted] ’s account is current and next due for the July 1, 2016, contractual paymentWe again apologize for any dissatisfaction this matter may have causedIf you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Kristina [redacted] Customer Service Correspondence Supervisor /asw/45/ [redacted]

Please be advised, the account uses an actuarial interest methodActuarial Interest is earned and paid in arrears; therefore, the interest owed will be for days regardless of when the monthly payment is receivedIf you make your payment prior to the due date, you will pay days of interest for the prior month's accrualLikewise, if you make your payment after the due date, you will also pay days of interest for the prior month's accrualWhen paying the account in full, you will be assessed interest on a daily basis from the last monthly payment received until the day the payoff is receivedEnclosed for [redacted] review is an Amortization SchedulePlease note, the amortization schedule is an estimate of upcoming payments and an assumption of when the payment will be made.Records reflect a modification was granted in August 2010, which reduced the interest rate to 2.00% for the first yearsEffective September 1, 2015, the interest rate increased to 3.00%, which is the rate currently reflected on the accountEnclosed is a copy of the Loan Modification Agreement to validate the payment schedulePlease note, the interest rate will change effective September 1, 2016, to 4.00%.In addition, the account does utilize an escrow account to pay the taxes and insuranceTherefore, a portion of the monthly payment is posted to the escrow accountDitech is not stealing money from the regular monthly payment and applying the funds to the escrow accountThe escrow payment is calculated based on the Annual Escrow Analysis Statement (analysis)At the time an analysis is completed, if there are additional funds in the escrow account, the funds are returned to the customer if the surplus is greaterthan $As indicated in our prior response dated, July 21, 2016, we are in the process of completingan escrow analysis to ensure the escrow payment is accurateThe analysis will be sent to [redacted] under separate cover and she should receive it in the next to business days

We would like to apologize that the service Ms [redacted] received was not to her satisfactionWe strive to provide exceptional levels of servicing and recognize opportunities for improvement Ms [redacted] , should be advised, that authorization for the referenced attorney was added to her account in response to a signed written authorization dated August 3, As stated in the written authorization, the authorization was valid until revokedPursuant to Ms [redacted] 's request, the authorization for the attorney was revoked on April 14, On March 11, 2015, Ms [redacted] was offered a Loan Modification Agreement, which modified the account effective March 1, 2015, by lowering her interest rate to 4.500% and reducing the monthly payment to $2,The loan modification was applied to the account on April 13, Payments have not been consistently remitted after the modification brought the account current, which ultimately caused a new delinquencySince the modification, several escrow analyses have been completed, which further reduced the monthly paymentRequests for an additional loan modification have been received, but have been denied as the result of non-submission of all required documents, the extended account delinquency, as a result of the current arrears any modified payment would increase, default of the account after receiving a modification, and a request to cancel a reviewPayments are applied consecutively to the last subsequent monthly installment receivedRecords indicate that the last payment remitted for the account was on August 10, 2016, and the account remains due for the July 1, paymentAt this time, the account has not been referred for foreclosure and there are no foreclosure actions in progressMs [redacted] should be advised that continued account delinquency may result in foreclosure actions

We have received your complaint and appreciate the opportunity to respondBefore we can do so, however, federal law requires that we obtain yourconsent to share information in your account file with third parties, such as the Revdex.comPlease sign and return the attached Authorization and Consent to Release Non-Public Personal Information form so that we may do soIf you choose not to provide the consent, we will respond directly to you onlyShould you have any questions or comments you may contact Ditech at ###-###-####

I am rejecting this response because: in April 2016, according to the contract I paid $2,because that was the month my new payment came effective.The dispute all along was that I was short for the month of March 2016; however for the month of March my payments was stil $1,per the HAMP agreement, which I paid.In FebI received a bill from Ditech stating my escrow overage for the year was $and they wanted to divide it up over a month period I placed a call to Ditech to let them know I would pay in full; however it was mailed after March 1st Nevertheless it was paid in full and Ditech determined the amount.If my mortgage was $for March in and you divide that by months the money in the suspense fund would be more than enough; however the records will show I paid in full When they paid my escrow on 4/4/16' I had more than enough left over.Maybe they can their calculations and explain how they came up with me owing $for March In addition, the records will show I paid the full amount in April.I am requesting that Ditech clear this matter up, their math and take the negative amount off of my credit report The $in my suspense fund will more than cover the March mortgage and any overage for property tax Please review the escrow records attached.I will also scan you a copy of the most recent letter they sent me and I would like you to compare, and let me know if their figures are calculated correctly, and if the letter match the response they gave.If I can pay my own escrow directly effective April I would like to do so because I would just pay the amount actually due by 12/10/and in April and this will eliminate any future problems width Ditech.Thank you for your attention to my request, and I will scan the letter from my home computer because I am on my iPad.Sincerely, [redacted]

May 25, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his/her account with Ditech Financial LLC (“Ditech”) We understand Ms [redacted] ’s concernsPlease be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided Records indicate that a response to Ms [redacted] ’s concerns was mailed to the address on file on May 6, In the response made, it was conveyed that the payment received was insufficient to pay the account in fullThe payoff of an account includes the principal balance; interest earned, but not collected; insurance; plus any fees that may have been assessedPayoff quotes were generated for Ms [redacted] ’s account on the following dates and for the corresponding amounts: Payoff Quote Dated Payoff Amount Quoted 1/19/$68,1/20/$68,2/23/$70,2/24/$70,3/1/$70, On February 24, 2016, a payment of $68,was received at our regular payment address and was therefore, processed and applied to the account as a regular paymentPer the payoff instructions listed on our payoff quotes, all payoffs should be mailed or wired to the corresponding address provided on the payoff quote, referencing the Ditech account number to be applied toThe payoff quotes also provides the following warnings: “The result of rejection will require a new payoff quote and likely a larger amount due.” “Ditech Financial LLC (“Ditech”) reserves the right to demand additional funds to correct any error or omission in the above payoff figure that was calculated in good faith, whether the error or omission is mathematical, clerical, typographical, or for any transactions that occurred on or after the date of this payoff quote.” “ “If the funds received are not sufficient to pay off the account in full, the funds will not be posted until the remaining amount is received to pay off the account in full.” It was determined that the amount remitted as a payoff was not received at the designated payoff address and did not include sufficient funds to pay the account in fullTherefore, the account has remained open and there is no refund due to her as assertedA current payoff quote is enclosed for Ms [redacted] ’s conveniencePlease note, records also indicate that no credit reporting has occurred for this account since August We again apologize for any dissatisfaction this matter may have causedIf you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Kristina [redacted] Customer Service Correspondence Supervisor /asw/51/ Cc: [redacted] [redacted] Nottingham, MD

Please see the attached response to the customer's complaint

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] has encounteredPlease be advised we have Mr***'s proof of insurance on file for California Casualty with effective dates of August 25, through August 25, 2016.However, we did not have proof of insurance for the Master Policy for Mr***'s account; therefore, a lender placed insurance policy was purchased for the account effective May 26, through June 26, The cost of this policy was $Records indicate we attempted to obtain the Master Policy from Mr***'s Condo Association and also attempted contact Mr [redacted] to obtain the Master Policy; however the policy was never received.Please note, the account will continue to be billed by Ditech each time a policy is purchased unless we receive proof of the Master PolicyMr [redacted] may have his Condo Association submit proof of the Master Policy to e-mail [email protected], or they may also mail or fax proof of insurance to the below:Ditech Financial LLC, IAAOA [redacted] Miami, FL 33197-9282Fax #: ###-###-####Once we receive proof of the Master Policy coverage, the lender placed insurance will be canceled, with no premiums due.Further, the sale and transfer of servicing rights between financial institutions is a common occurrence in today's lending industryThese acquisitions do not require the permission of the debtor to take placePlease note that we are unable to facilitate Mr***'s request to sell his mortgage to another institution as we cannot transfer an account upon a customer's request.If Mr [redacted] has any further questions, he should contact his account representative Tyler Hat (800) [redacted] extension ***, or Daniel Tat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding an account with Ditech Financial LLC (Ditech).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.Pursuant to Mr [redacted] 's request, the reissuing of the payoff refund, originally issued on January 1, 2016, for [redacted] 's account is currently in processWe anticipate that the refund will be credited directly to Mr [redacted] 's bank account using the information previously provided within to business daysWe apologize for any dissatisfaction that the delay in processing this refund may have caused.If Mr [redacted] has any further questions, he may contact our Customer Service Department 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] GLENDALE HEIGHTS, IL [redacted]

April 19, [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] ** [redacted] regarding his account with Ditech Financial LLC (“Ditech”) Please note, Green Tree Servicing LLC and Ditech Mortgage Corp combined to form Ditech Financial LLC, known as Ditech, a Walter Company, effective August 31, This name change did not affect any terms or conditions of the contractual agreementRecords reflect we previously provided responses to the Revdex.com under case numbers [redacted] and [redacted] , which satisfactorily addressed the account delinquency Copies of the prior responses are enclosed As indicated in our prior responses, the account became past due because stop payments were placed on two checks that we processed in August and September Therefore, as of October 2014, the account was past due for the August 15, 2014, due date In April 2015, we received two payments and the account reflected one month past due until a payment was not received in September A payment was received in October 2015; however, payments were not received in November and December As of January 2016, the account was past due for the September 15, 2015, due date The last payment we received was on January 14, 2016, which paid the September 15, 2015, due date and part of the October 15, 2015, due date As of today, the account is past due $2,to satisfy the October 15, 2015, through March 15, 2016, due dates There is also a late fee balance due of $ A payment history is again enclosed for [redacted] **’s reference 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 delinquencyCollection communications are placed solely for the purpose of determining payment intentions when the customer fails to pay as agreedIf the customer has agreed to make a payment, collection communications may continue if a payment is not received by the promised dateIf the delinquency is not resolved, we may exercise our right to seek possession of the collateral Records reflect we sent a Notice of Default and Right to Cure Default on March 28, 2016, copy enclosed We understand that borrowers may experience income reductions, financial difficulties, or life changes that can affect their ability to make loan payments, but [redacted] informing Ditech of his current financial situation does not release him from his contractual obligation to pay in a timely manner Please be assured that we want to work with him to determine an acceptable payment arrangement that work for all parties He may contact Sheri Mat ###-###-####, extension ***, or Kimberly Mat extension [redacted] to discuss any available optionsWe 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/41/ cc: [redacted] **., [redacted] ***, Zebulon, NC [redacted]

I am rejecting this response because: I have had three consecutive modification processed through Ditech starting in With that said I have never been penalized for the inscribed inter office late posting or informed I would incur a blemish or shortageThis recently invented design was created to cause me these late postings; basically it does not matriculate my previous transactions using the standard practicesIt is one-sided and as a result has a negative impact on my profileI am not at fault but for Ditech’s maneuvers with their delayed postingsMy checks were cashed in the months in question by Ditech on the fourth of each month via my bank accountI am sure the audit department would not be pleased with this behaviorDitech took my money on the fourth and held it to capitalize off of causing me this blemish My question again is :why Ditech would give me a trail period plan that would make me late or hold my funds to make a full paymentand not inform me of this dilemmawhy wasn’t I given the option to put in the shortage ? What was the benefit of keeping it a secret? They performed unfair practices upon me taking the opportunity to apply for a modificationI saw a disadvantage in my finances, in turn I called Ditech assistance, nonetheless I made my payments on time before and after I did not foresee this corrupt act to pose this blemish on my accountOnce again straying away from the facts of their unprofessionalism In conclusion my claim only called to recognize the errors on my account posting that transcribed a foundation due to the lack of information, as Ditech never disseminated writings concerning a shortage during this modification This untold action was configured for me to encumber three late payments It is discouraging in my findings, that Ditech creates these excuses to address the errors presented on my accountI am still being affected by their lack of knowledge and unprofessionalism going on six yearsAs a result, I have been penalized in most of my business dealings upon establishing their loan product As the methods used were deceitful in the proceedingThe replies given essentially promote unhanded practices within the business of disseminating loans to the public During every step in following their protocol to start my trail payment for the loan modification, I experienced major defects, hardships and challenges by Ditech Nonetheless, Ditech has continued to overlook their formulated number of mistakes to omit any compensation in their wrong doingsBut instead within the rims of the accumulation of fractions on my account they have decided to water down my claim and put forth to blame me for these errors

RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)Mr [redacted] may review the enclosed payment historyThe monthly due date credited to the account for each of the referenced payments has been highlighted for clarificationMrLu will find in his review of the provided payment history, that the payment remitted on April 30, 2016, was credited to the June 1, due date, the payment remitted on May 31, 2016, was credited to the July 1, due date, and the payment received on June 3, 2016, were credited to the August 1, due dateRegardless, as the result of the payment reallocation referenced in our prior response, these funds were reversed from the account, reapplied to the principal balance, and backdated to the date of receipt, to ensure proper crediting of the accountTherefore, the account was contractually due for the July 1, payment at the time the payoff payment was received and the previous crediting of funds now reversed and applied to principal did not have any effect on the principal balance or interest due when the payoff payment was applied to the accountThe account has been closed to regular servicing, the payoff overpayment refunded to Mr**, and a lien release filed with San Diego CountyThere is no additional refund due to MrLuIf MrLu has further questions or concerns our Customer Service Department is available to answer any questions or concerns and may 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

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)Records indicate that when the annual escrow analysis was completed for Mr [redacted] account in March the anticipated property taxes were listed twice, which resulted in an nwe elevated monthly payment, effective with the June 1, payment due dateA corrected analysis was completed on July 6, 2016, which adjusted the monthly payment from the elevated payment of $2,to $1,Unfortunately, the analysis did not change the previously billed paymentsMr [redacted] remittance of payments in the pre-analysis payment amount resulted in funds remitted being placed in unapplied funds and the combination of those payments in order to satisfy the full payment requirement of Mr [redacted] contractPursuant to Mr [redacted] correspondence, a reversal of the elevated payment amounts credited to the contractual payment was completed for the account on September 13, 2016, and the reapplication of the corrected payment was completed on September 16, These reallocations may have triggered systematically generated notices of account delinquency or the appearance of delinquency in his online account informationWe apologize for any dissatisfaction this may have causedMr [redacted] should be assured that all late fees assessed to the account and any negative credit reporting that may have occurred have been waived and/or reversed from the accountAs of the date of this letter, Mr [redacted] account is in good standing and contractually due for the October 1, 2016, payment of $1,We would like to apologize for any inconvenience that this matter may have causedIf Mr [redacted] has any further questions, he may contact his account representatives Kathy Oat [redacted] , extension ***, or Shanna Sat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at [redacted] , Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

The information reported to the credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) was deemed to be true and correct according to account recordsWe have not received any new information or documentation to support your dispute of the information provided and our position has not changedDitech is legally required to report accurate information; therefore, we are prohibited from changing credit reporting as a courtesy or to facilitate restoration of a credit rating

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)Records indicate that we received Mrs [redacted] 's Application, License and Certificate of Marriage on August 23, 2016, and her last name was updated to [redacted] If Mrs [redacted] has any further questions, she may contact her account representatives Antwion Rat ###-###-####, extension ***, or Zena Dat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

I am rejecting this response because: This account was purchased from Flagstar bank at the end of a chapter Bankruptcy I had no legal liability for this account at anytime By reporting it and saying that I missed payments, they are in violation of the US Bankruptcy Court Laws This is and was a legally discharged debt Again, I never had any legal liability for this account and I want it removed from my credit report[redacted] ***

Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ June 22, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by Ms [redacted] regarding her account with Green Tree Servicing LLC ("Green Tree")Let me assure you we take these matters very seriously We understand Ms [redacted] 's concernsPlease be assured the correspondence was reviewed with the appropriate department management and the following response is provided Green Tree would like to apologize that Ms [redacted] did not received the level of customer service that she should expect from Green TreePlease be assured, appropriate department management has been notified, and the issue has been addressed with the account manager referenced in the complaintGreen Tree's mission is to provide exceptional levels of service and we strive to recognize opportunities for improvement As a result of our review, appropriate action has been taken and Ms [redacted] has been assigned a new account managerIf Ms [redacted] has additional account questions, she can contact Account Representative, Tara M., at (800) [redacted] extension ***, Account Manager Ina H., at extension ***, or our Customer Service Department at (800) [redacted] , Monday - Friday AM to PM, and Saturday AM to PM CT Sincerely, Nikki D [redacted] Customer Service Correspondence Supervisor /rgf/ cc: [redacted] , [redacted] , North Providence, RI Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/23) */ (The consumer indicated he/she ACCEPTED the response from the business.)