Ditech Financial, LLC

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).After a review of your account, records indicate we are unable to process the modification request as... the property has already gone to sale. Unfortunately, the account would not qualify for another modification as the maximum number of modifications has been reached. Records also indicate that a complete packet was not received prior to the sale.If [redacted] has any further questions, they should contact their account representative Camry R. at ###-###-####, extension ***, or Danae W. at extension ***. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] , [redacted] , DALLAS, TX 75374 [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)On June 8, 2016, a payoff quote was created indicating that the amount required to pay Mr**'s account in full was $251,033.40, good through July 8, The payoff of an account includes the principal balance; interest earned, but not collected; insurance; plus any fees that may have been assessedThe enclosed copy of the June 8th payoff quote created for the account indicates that the payoff consisted of the following amounts: $251,Principal Balance -$prepaid Interest $251,Payoff Quote Total Please note, the payments are applied to Mr**'s account utilizing unapplied funds ("UAF")This means that only a full payment can be applied to the accountIf the amount received matches the amount due, it will be applied to any payment dueHowever, if the funds are not sufficient to pay the amount billed, they will remain in UAF until another payment is receivedIf the funds received are more than the amount due and no instructions are received regarding the intent for application of the funds, the additional funds are placed in suspenseFunds in suspense are reviewed daily and follow a specific hierarchy to determine postingThis hierarchy is based on any outstanding amounts such as finance charges, escrow due, returned payment fees, late fees, and acquired accrued interestThis form of payment posting is determined by the mortgage contract and the servicing protocols of the investor of the loanRecords indicate that on May 31, 2016, a bank bill pay payment of $1,was received without payment instructions and was applied to the account as the July 1, 2016, contractual payment and an additional principal payment of $On June 3, 2016, a bank bill pay payment of $3,was received without payment instructions and was applied to the account as the August 1, 2016, contractual payment and an additional principal payment of $1,Per the billing statement issued in response to the last payment applied to the account in April 2016, the principal balance of the account was $254,497.22, prior to the receipt of these paymentsThe above referenced payments affected the principal balance as follows: $254,-$-$= $253,Principal balance as stated on the May 31, billing statement$253,-$1,-$= $251,Principal balance as stated on June 3, billing statementOn June 14, 2106, a request to reallocate the funds received on May 31, 2016, and June 3, 2016, which had been applied to the June 1, 2016, and July 1, 2016, payments was enteredThe payment reallocation was initiated on June 24, and completed on June 27, The reallocation affected the principal balance as follows:$251,Principal balance prior to reallocation + $+ $+ $1,+ $= $254,Principal balance after reversals - $1,- $3,= $250,Principal balance after the payment reallocation to principal on June 27, Our records indicate that the last payoff quote was generated for the account was on June 17, 2016, for $250,This amount was quoted prior to the completion of the requested payment reallocationOn June 30, 2016, a payoff payment of $252,was applied to the account$252,- $250,Principal Balance -$Interest Owed = $1,Overpayment The remaining balance of payoff funds received were placed in an interest bearing escrow until the overpayment refund was issued on July 16, $1,+ $interest paid = $1,refund issued.MrLu should be advised that the payoff quote generated on June 8, 2016, indicated that $in pre-paid interest had been credited to the accountWhen the payment reallocation was completed on June 27, 2016, all the referenced prepaid interest had been reversedSince the last regular payment applied to the account was on April 30, 2016, for the June 1, contractual paymentThe account accrued interest between the June 1, contractual payment and the application of the payoff on June 28, 2016, in the amount of $Pursuant to the correspondence received, a review of the payoff of the account has confirmed that the refund of the overpayment amount was correctCopies of the April 30, 2016, May 31, 2016, and June 3, billing statements, June 8, payoff quote, and account payment history are enclosed for Mr**'s reviewIf 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.mCTSincerely, Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] **, [redacted] ***, SAN DIEGO, CA [redacted]

Ditech makes every effort to credit payments as requestedThe payment hierarchy for the account requires a full payment to be received before a payment can be applied to the due datePartial payments received will be placed in unapplied fundsUnapplied funds are payments that have been received, but have not yet been posted to the account because the amount received is not sufficient to make a full paymentThe funds will be held in unapplied funds until additional funds are received to satisfy a full paymentOnce a full payment has been received, the funds will be removed from unapplied funds and applied to the account.The regular monthly payment is $Records reflect a payment of $was received on April 25, 2016, and was placed in the unapplied funds account creating a balance of $1,The amount due to satisfy the April 1, 2016, due date was $because it included a late fee of $Therefore, $was removed from the unapplied funds account, which satisfied the April 1, 2016, due dateThe additional $was posted as a principal reduction payment.On June 29, 2016, we reallocated the $from the principal balance and placed it back into the unapplied funds account to assist in satisfying the June 1, 2016, due dateA late fee of $was assessed on May 16, 2016, which is validAs of today, the account is due for the June 1, 2016, due date in the amount of $782.87, less the unapplied funds account balance of $704.24, and has a late fee balance due of $21.20.If [redacted] has any further questions, she should contact her account representative Natashia Cat ###-###-####, extension ***, or Christie Gat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

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 on May 16, 2016, check number in the amount of $was returned to [redacted] *** to the address listed on the checkAs this payment was returned and never posted to the account, we are unable to update the credit reporting as requested.If [redacted] has any further questions, they should contact their account representative Nicole Cat ###-###-####, extension ***, or Daniel Gat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] ***, [redacted] ***, SN BERNRDNO, CA [redacted]

I am rejecting this response because: I do not accept this response based on the following: 1.) I've called Ditech several times in the last few months to schedule payments and not once did any of the representatives mention I was delinquent on my paymentsDitech argues that they sent me notices, I admit I didn't read all of these because most of the time it's just junk mail or offers to refinanceMy thought process is I've scheduled payments, representatives haven't mention to me at all that I have any payments pass dueI travel a lot for my job so I'm not always home 2.) I've had my mortgage since 2008, not once have I ever missed a paymentMy payments have always been scheduled out and again, this whole issue arose when the Ditech representative took down my information wrong and it caused a domino effectAgain, they might have sent letters but my view or frame of mind was that most of the stuff in the mail is junkI was under the impression my payments were scheduled out so it was one less thing to worry about 3.) I strongly believe if the Ditech representative would have taken down my information properly, none of this would have happenedAgain, please check my historyI have no intentionally missed a payment and this whole issue arose from their error

RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)Pursuant to Ms [redacted] 's correspondence, a review of the account confirms that on November 25, 2016, a payment of $2,was scheduled to occur on December 16, 2016, by Ditech Customer ServiceThis scheduled payment for Ms [redacted] 's account was cancelled pursuant to her request by our pay by phone system on December 2, The payment referenced in her correspondence, scheduled to occur on December 16, 2016, was not processed by Ditech and as stated above, was cancelled per Ms [redacted] 's request on December 2, Our records also indicate that a payment of $1,was remitted to Ditech from Ms [redacted] 's banking facility's electronic bill payment services on December 2, Ms [redacted] should note that scheduled payments are not shown on our websiteAs the payment referenced in Ms [redacted] 's correspondence was cancelled and not withdrawn from her bank, Ditech holds no responsibility towards any non-sufficient funds fees or negative balance status within her bank accountFurther, Ms [redacted] should be advised that should the December 2, 2016, payment of $1,214.22, be returned to Ditech from her bank, as a result of non-sufficient funds, Ditech retains the right, per the contractual agreement, to assess NSF and late fees to her accountA copy of Ms [redacted] 's recent payment history is enclosed for her reviewIf Ms [redacted] has any further questions, she may contact her account representatives Sandy Mat ###-###-####, extension ***, or Mario Cat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely, Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] , [redacted] ***, FORDS, NJ [redacted]

Initial Business Response / [redacted] (1000, 5, 2016/02/12) */ February 12, 2016 [redacted] RevDex.com OF MINNESOTA AND NORTH DAKOTA 220 S RIVER RIDGE CIR BURNSVILLE MN 55337 RE: Case # [redacted] Dear [redacted] : Thank you for the opportunity to respond to... the complaint filed by [redacted] regarding her account with Ditech Financial, LLC ("Ditech"). We understand Ms. [redacted] 's concerns. Ditech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. The appropriate department management was notified of his concerns and the issues have been addressed accordingly. To better serve our customer's, Green Tree Servicing LLC and Ditech Mortgage Corp combined to form Ditech Financial LLC, known as Ditech, a Walter Company, effective August 31, 2015. Both companies are owned by Walter Investment Management Corp. By combining forces, we are able to give our customers to a broader variety of home financing products and improved customer service through a single point of contact. In connection with the concerns outlined in Ms. [redacted] 's letter and in verification of her debt with the original creditor, we have obtained and are enclosing a copy of the Manufactured Home Retail Installment Contract and Security Agreement that she signed. If after reviewing the Manufactured Home Retail Installment Contract and Security Agreement, she still disputes the validity of your debt, please provide us with further detail in support of your assertion, including any available supporting documentation (e.g., affidavits, cancelled checks, police reports, etc.). This documentation should be mailed to the above address for further research and we will respond accordingly. We are confident the information provided adequately resolves this matter. Should Ms. [redacted] require any additional assistance, she may contact our Asset Receivables Management Department at (877) [redacted] between the hours of Monday - Thursday, 6:00 a.m. - 7:00 p.m. MT, and 6:00 a.m. - 12:00 p.m. MT. Sincerely, Sara [redacted] Customer Service Correspondence Supervisor /db/32/ CC: [redacted] , [redacted] . Austin AR 72007 Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/02/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) the home was through Consico, not Greentree or Ditech. There was also a court case regarding it due to a purchaser who took over the home, sold it for more than it was originally, kept all the money, and didn't have the title for the new owners. any money owed on this house needs to be directed to the person who took it and sold it. I have never had anything to do with this and I was released by the courts of having anything to do with it.or having ever owning the home. Final Business Response / [redacted] (4000, 9, 2016/02/22) */ February 22, 2016 [redacted] RevDex.com OF MINNESOTA AND NORTH DAKOTA 220 S RIVER RIDGE CIR BURNSVILLE MN XXXXX RE: Case #XXXXXXXX [redacted] Dear Ryan [redacted] Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial, LLC ("Ditech"). We understand Ms. [redacted] 's concerns. Ditech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. The appropriate department management was notified of his concerns and the issues have been addressed accordingly. Green Tree Financial Corporation merged with [redacted] Inc., in June 1998. On November 1, 1999, Green Tree Financial Corporation officially changed its name to [redacted] Finance Corp, and was one in the same. On June 23, 2003, the parent company of Green Tree Servicing LLC ("Green Tree") purchased the assets of [redacted] Finance, through a §363(f) bankruptcy auction sale, free and clear of claims and liabilities. The portion of [redacted] Finance that was sold to Green Tree included the servicing businesses for manufactured housing, home equity and home improvement loans, and the Agency business. Green Tree makes this response in part, based upon [redacted] Finance records. As previous indicated Green Tree Servicing LLC and Ditech Mortgage Corp combined to form Ditech Financial LLC, known as Ditech, a Walter Company, effective August 31, 2015. Both companies are owned by Walter Investment Management Corp. By combining forces, we are able to give our customers to a broader variety of home financing products and improved customer service through a single point of contact. We are confident the information provided adequately resolves this matter. Should Ms. [redacted] require any additional assistance, she may contact our Asset Receivables Management Department at (XXX) XXX-XXXX between the hours of Monday - Thursday, 6:00 a.m. - 7:00 p.m. MT, and 6:00 a.m. - 12:00 p.m. MT. Sincerely, Sara [redacted] Customer Service Correspondence Supervisor /db/43/ CC: [redacted] , [redacted] . Austin AR XXXXX

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)Pursuant to [redacted] ***'s request, a review of the referenced account has determined that Ditech is the servicer of the 1st lien loan for the property located at the referenced addressThe information on file previously provided by Ms [redacted] does not authorize her to receive information concerning this accountOur review of the account has also determined that the 1st lien mortgage was not in default and no foreclosure of the property has been completed by DitechMs [redacted] should be advised that it appears that the 2nd lien holder has not followed the legal foreclosure procedures for a 2nd lien holder to foreclose on a propertyTherefore, as previously communicated to Ms***, we are unable to provide any information concerning this account to her or any agent acting on her behalfIf [redacted] has any further questions, she may contact our Customer Service Department 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] Fremont, CA [redacted]

I am rejecting this response because:My attorneys have tried several times along with my mortgage reps in sending you the authorization letter (Over times within months) in order to resolve the matters with the title on the property and every time they call your customer service gives us the same response "we don't have it fax it again and call back in days"We have even emailed a copy of the authorization letter to the rep that was handling our case who wouldn't respond to any of my attorneys emails or the listing agent they were working withMy attorneys and I are ready to close on this property which has taken months and we are running the risk of losing the property due to no one wanting to help get the process rollingAll I request is that a priority rush be placed in trying to resolve the matter so that I am not charged extensions of dollars a day on this property which I do not think is right seeing as though I have been ready to close on the property since JuneThe delays are not coming from my endThe only update that I have received is that the case was assigned to another Rep and we are waiting on a response from herI will be more than willing to remove the claim when this matter gets resolvedMy attorneys have found all of the issues with the title to the property and are ready to close we are just waiting on someone from Ditech to review the documents and give us the OK to proceed to close

I am rejecting this response because: Even assuming that their response is accurate, which I would clearly dispute as I noted in my earlier complaint that I was contacting Ditech via telephone as early as June 2016 to inquire about removing my PMI and kept doing so repeatedly until I finally resorted to filing a complaint, I have specific issues with the response as indicated in my responses below: I received no letter in August 2016 notifying me of the PMI change and again, as previously noted in my complaint, I had been contacting Ditech representatives since June/July 2016 to confirm what the procedure was and only refrained from submitting a written request because of the information given to me by a Ditech representative. I was not contacted in September to schedule an appointment for the appraisal and my contact information did not change between then & when I finally got a call to schedule the 1st appraisal appointment so it is unclear how the company was unable to communicate with me. When I did schedule the appraisal, neither Ditech nor the appraiser contacted me to explain why the scheduled appointment on Oct 28 was not met despite my repeated calls to Ditech to follow up. It took me filing this complaint for the appraisers to finally contact me again to schedule the appraisal on Dec 6, which I waited for & allowed to be conducted finally without any issues. Since Ditech themselves note in their response that my LTV in August 2016 was at 78.51%, why would my automatic PMI removal date at which point the LTV reaches 78% then be in March 2017 for the value paid to reach from 78.51 to 78%? I just checked online and as of today, my original LTV is at $290,434 compared to my original mortgage amount of $374,900 which translates into 77.47%. Based on that, why is my automatic PMI termination date still in March 2017? Again, this is why I feel that Ditech is abusing its relationship with me as the customer because even based on their own records & statements there is inconsistency in how they are treating my loan. I have already in my letter from September allowed them to charge me for an appraisal to be conducted at my expense but it shouldn't even have been necessary because the PMI removal should be automatic based on my original loan amount not based on the value of the home today. I'm not asking for the removal to be based on my home value but on the legally mandated 78% of original LTV basis and I'm definitely in good standing on my account since I always pay more than my current mortgage amount each month. For this reason, I'm rejecting their response & still dissatisfied with my service from the business as well as expecting that they should be censured for behaving this way to customers like myself. Regards, [redacted] ***

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 would like to apologize for any inconvenience that may have been caused. Account records indicate that check... number [redacted] in the amount of $3,144.23 was mailed on July 13, 2016. Unfortunately, we are unable to compensate [redacted] for any interest as requested. As the check has already been sent by regular mail we are unable to overnight the funds as requested.If [redacted] has any further questions, they should contact their account representative Jeremiah S. at ###-###-####, extension ***, or Emmanuel M. at extension ***. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] ***, [redacted] **, NEW CASTLE, CA 95658 [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/04/23) */ Thank you for the opportunity to respond to the complaint filed by [redacted] and his direct correspondence regarding his account with Green Tree Servicing, LLC ("Green Tree") 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 The servicing of the referenced account was transferred from CitiMortgage Inc("CitiMortgage") to Green Tree effective September 1, The servicing transfer does not affect the account terms and conditions, other than those related to the servicing of the accountWe make this response, in part, based upon CitiMortgage recordsPlease note that 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 debtorThere is no option at this time to transfer the servicing of the account The payments are applied utilizing unapplied funds ("UAF")This means that only a full payment can be applied to the accountIf the amount received matches the amount due, it will be applied to any payment due within days after the payment was receivedHowever, if the funds are not sufficient to pay the amount billed, they will remain in UAF until another payment is receivedIf the funds received are more than the amount due up to days in the future, additional funds are placed in suspenseFunds in suspense are reviewed daily and follow a specific hierarchy to determine postingThis hierarchy is based on any outstanding advances such as finance charges, returned payment fees, late fees and acquired accrued interestThe payment hierarchy is as follows: Principal & Interest True Escrow Insurance and Advances smallest to largest balance Insurance Escrow Late Charges When servicing of Mr [redacted] 's account was transferred to Green Tree, the account was marked to allow additional funds to be applied to future paymentsIn response to Mr [redacted] 's correspondence, Green Tree has flagged the account to have additional funds applied as a principal reductionAs of the date of this response, there are no funds in UAF and the account is next due the May 1, payment If Mr [redacted] has additional questions regarding this issue, he may contact the account representative, Brad directly at (800) [redacted] extension [redacted] or Jamie at extension ***Our Customer Service is also available to assist and can be reached toll-free at (800)- [redacted] , Monday - Friday a.mto p.m., and Saturday a.mto p.mCST Sincerely, Shea [redacted] Customer Service Correspondence Supervisor Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/04/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not approve of the aboveWhen I had spoke with Ben on 11/to have my account flagged to have the additional amounts applied to principal it was not doneThe issue had been followed up on serveral occassions to have this done, and every time I was re-assured that this was being done, and on multiple occassions I had found that this was NOT being doneThis ongoing issue has caused great amount of unnecessary effortFor me to spend additional time in effort to correct this issue is not acceptable Final Consumer Response / [redacted] (3000, 14, 2015/08/24) */ Additional funds not being applied to mortgage and being left in unapplied It appears that there is a very concerning ongoing issue with additional funds not being applied correctlySince November of about every 3-months my funds are not being applied to principalAfter several repeated calls to GreenTree and even a prior case with the Revdex.com (57304574) I was told this issue should be resolved as of today 08/24/I once again see funds still not being paid against principalAfter a call speaking with Rebecca(a Director), she was not able to put me intouch with someone to helpShe stated all they have is the main Customer Service number and emails to loan servicing Final Business Response / [redacted] (4000, 16, 2015/08/26) */ This letter is in response to the rebuttal filed by [redacted] on August 24, 2015, regarding his account serviced by Green Tree Servicing, LLC ("Green Tree") Please be assured Mr [redacted] 's correspondence was again reviewed with the appropriate department management and the following response is provided According to account records, we have been applying additional funds to the loan as a principal reductionHowever, in August, Mr [redacted] 's monthly payment was applied to the loan on August 19, and backdated to August 16, Regretfully, due to the timing of the payment, the additional funds in the amount of $remained in UAF and were not applied to the account as a principal reductionWe have addressed the issue with the appropriate department and the additional funds in the amount of $have been applied to the loan as a principal reduction and backdated to the date the payment was receivedAs of the date of this response, the account is next due the September 1, payment If Mr [redacted] has additional questions regarding this issue, he may contact the account representative, Brad at (800) [redacted] extension [redacted] or Jamie at extension ***Our Customer Service is also available to assist and can be reached toll-free at (800)- [redacted] , Monday - Friday a.mto p.m., and Saturday a.mto p.mCST Sincerely, Shea [redacted] Customer Service Correspondence Supervisor

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 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 improvementPursuant to Ms [redacted] 's correspondence, an in-depth review of her account has determined the following information: The full monthly payment is currently $for Ms [redacted] 's accountThe account type requires us to credit only full payments to her accountPayments that are received in amounts different from the payment due are placed in unapplied funds ("UAF")If sufficient funds are available to apply a full payment, funds are applied to the next monthly payment due and any outstanding amounts such as finance charges, returned payment fees, late fees, escrow due, and acquired accrued interest, prior to the application of funds to the principal balanceThis form of payment posting is determined by the mortgage contract and the servicing protocols of the accountA review of Ms [redacted] 's prior loan, also serviced by Ditech, indicates that this was also a requirement of her prior accountA copy of Ms [redacted] 's prior account's payment history is enclosed for her reviewMs [redacted] should review the enclosed copy of her Deed of Trust, which indicates: Paragraph Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges"Borrower shall pay when due the principal of and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the NoteBorrower shall also pay for Escrow Items pursuant to Section 3.""Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan currentLender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are acceptedIf each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied fundsLender may hold such unapplied funds until Borrower makes payment to bring the Loan currentIf Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to the BorrowerIf not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosureNo offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or preforming the covenants and agreements secured by this Security Instrument."Paragraph Application of Payments or Proceeds: "Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note (b) principal due under the Note; (c) amounts due under Section Such payments shall be applied to each Periodic Payment in the order in which it became dueAny remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the NoteIf Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late chargeIf more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payment if, and to the extent that, each payment can be paid in full." Ms [redacted] should also review the enclosed copy of her Note, executed by her on April 11, 2016, which states in Section 3, Subsection A, entitled, Time and Place of Payments: "I will pay principal and interest by making a payment every monthI will make my monthly payment on the 1st day of each month beginning on June 1, 2016." Therefore, payments that are received in amounts less than the full amount required to satisfy the monthly contractual payment due are held in UAF until the full contractual payment may be credited to the account, pursuant to the contractual agreementA review of the account's payment history confirms that because the payments were remitted by electronic bill pay payment, which does not include payment application instructions, the payments were applied systematically pursuant to the appropriate payment hierarchy set for the accountPlease be assured we make every effort to credit payments as requestedThe systematic application of partial payments was corrected, pursuant to Ms [redacted] 's additional communications, on March 22, To correct the payment application, all payments received from June through March 17, 2017, were reversed from the account and reapplied bringing the account due for the May 1, contractual paymentA special processing code has been applied to the account to stop systematic application of paymentsPlease be advised that the investor of the loan, who is the Federal National Mortgage Association (Fannie Mae), does not allow prepayment of regular monthly payments more than months in advanceTherefore, additional funds remitted, may still be systematically applied to the account's principal balanceMs [redacted] should note that because her account uses actuarial interest, pre-payment of monthly payments does not benefit the accountActuarial Interest is calculated for thirty day increments regardless of when the monthly payment is receivedIf a payment is made prior to the due date, it will be assessed days of interest for that paymentLikewise, if the payment is made after the due date, it is assessed only days of interest for that paymentThis results in an amortization of paymentsIn the beginning more of the monthly payment is applied to interest, due to a higher principal balance and as the principal balance decreases less interest is chargedThis amortization is scheduled out over the life of the loanPlease note, interest is paid in arrearsHere is an example of how the interest is calculated using the last contractual payment received and the next contractual payment due: After the March 1, payment was applied to the account the principal balance was $150,Interest Rate: 4.250% Regular Principal & Interest Payment: $Multiply the current principal balance times the interest rateThis equals the customers yearly interest amount at this principal balanceWhen this principal balance is reduced, the amount being calculated as yearly interest is reduced also$150,x $6,= yearly interest charged at this principal balanceDivide the yearly interest amount by (months) which will be the amount of the payment received that will be applied towards the interest$6,/ $= amount of interest charged for the April 1, payment.Subtract the amount of interest to be collected from the payment receivedThis will be the amount of the payment to be applied towards the April 1, principal amount$Regular principal and interest payment -$Interest charged $Payment to principal balance By subtracting the amount of principal from the current principal balance, you will get a new current principal amount which will be used the next time a payment is received$150,Original principal balance -$Payment to principal = $150,New principal balance -$Additional principal payment received with March 1, payment = $149,Principal balance used to calculate next payment The principal balance was reduced by the application of the additional payment towards the principal balance of $This means that the next contractual payment will be calculated using the reduced principal balance saving Ms [redacted] interestThe interest savings may be calculated as follows: Principal Balance Calculations: without additional principal payment with additional principal payment $150,$149,x x $6,$6,/ / $= next monthly interest charge $= next monthly interest charge after without additional principal additional principal payment Therefore, only additional principal payments will effect the scheduled amount of interest charged for the next contractual payment dueA copy of the initial amortization schedule created at the closing of Ms [redacted] 's loan is enclosed for her convenienceIn response to additional correspondences received by Ms [redacted] , we provide the following information: Walter Mortgage Company, LLC merged with Green Tree Servicing LLC and changed its name to Ditech, effective August 31, Therefore Green Tree Servicing LLC and Ditech are one in the same companyThis change did not affect any term or condition of the current mortgage contractIn response to Ms [redacted] 's concerns over non-receipt of October correspondence, we have enclosed a copy of the response letter emailed to her on October 11, We apologize that she did not receive this response but have no indications that the information was returned undeliveredThis response letter indicated that late fees were assessed to the account as the result of the systematic application of funds to the principal balanceLate fees of $were assessed to the account on July 16, 2016, which was waived on July 18, 2016, and on August 16, 2016, which was waived on March 22, The late fee assessed to the account on August 16, 2016, was listed on the letter issued for the account because it was assessed and paid prior to January 1, The late fee was reversed and a corrected issued after the payment reallocations occurred on March 22, Copies of these documents are enclosedWe strive to apply all funds in accordance to our customer's wishes and have attempted to correct systematic payment applications to Ms [redacted] 's accountMs [redacted] should be advised that we are required to comply with the contractual agreement's terms as well as The Real Estate Settlement Procedures Act (RESPA) and other federal and state laws when applying fundsTherefore, our review has found that there was no error in the systematic payment applications outside of Ms [redacted] 's intent to apply funds outside the contractual and regulatory payment requirements.If Ms [redacted] has any further questions, she may contact her account representatives, Sigi Bat ###-###-####, extension ***, or John Hat 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] CHESAPEAKE, VA [redacted]

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).Please note, Ms***'s account type requires that only a full payment be applied to the next monthly payment due date Payments that are received in amounts different from the payment due are placed in unapplied funds ("UAF")If sufficient funds are available to apply a full payment, funds are applied to the next monthly payment due and any outstanding amounts such as finance charges, returned payment fees, late fees, escrow due, and acquired accrued interest, prior to the application of funds to the principal balanceThis form of payment posting is determined by the mortgage contract and the servicing protocols of the account.Records indicate Ms***'s monthly payment was increased, effective March 1, as a result of an escrow analysis completed on January 4, 2016, from $2,to $2,In order to avoid the payment increase the escrow shortage was to be paid prior to March 1, 2016, at the designated escrow payment addressOur records do not indicate that the shortage was paid prior to March 1, 2016, therefore the monthly payment increased to $2,A copy of the Escrow Account Disclosure Statement is enclosed for Ms***'s review.Payments received for the account on March 1, and April 1, 2016, were remitted in amounts less than the full payment and were therefore, applied to the account per the above mentioned payment hierarchy.On April 11, 2016, an additional payment of $was receivedThis payment is unable to be applied to the escrow shortage to reduce the monthly payment, because it was received after the required March 1, dateOf this payment $110.96, was combined with the balance of UAF and applied to the April 1, 2016, contractual paymentThe amount of $318.57, was applied to the escrow account.On April 29, 2016, a payment of $2,was received and was placed in UAF as the amount was insufficient to allow the application of the full payment due to the accountOn April 30, 2016, this payment was systematically applied to the account's principal balance.On May 4, 2016, an additional payment of $was received and was placed in UAF.On June 1, 2016, a payment of $2,was received and was applied to the May 1, 2016, contractual payment.Pursuant to requests made with our Customer Service, reallocations of the above referenced payments were attemptedThe reallocations completed did not cure the deficiency of funds within the monthly payments received and the account was not brought currentOn July 30, 2016, the payments were correctly reallocated and applied to the account for the April, May, June and July paymentsThe late fee of $57.25, assessed to the account on May 16, 2016, as a result of this issue has been waived as a courtesyAs of the date of this letter, the account is due for the August 1, 2016, contractual payment of $2,410.18.Ms [redacted] may be assured that negative credit reporting has not occurred as a result of this issueIf Ms [redacted] has any further questions, she should contact her account representative Kristina Eat ###-###-####, extension ***, or Brett Wat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely, Shea [redacted] Customer Service Correspondence Supervisorcc: [redacted] ***, [redacted] **, BRAINTREE, MA [redacted]

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 received correspondence from Ms [redacted] on June 09, advising that the payment she remitted for the April 01, due date had not been applied to her accountAccount records indicate that Ms [redacted] payment of $was received on April 06, and inadvertently posted to an incorrect account numberDue to our system upgrade in April some of our internal processes, including reallocations were delayedOn August 18, 2016, the referenced payment correctly posted to Ms [redacted] accountThe transaction was backdated to April 06, to ensure proper credit to her accountA late fee of $42.79, assessed as a result of the misapplied payment, has been waivedIn addition, we did not report the April payment as delinquent to the credit reporting agenciesWe apologize for the inconvenience this matter has caused Ms [redacted] The reallocation completed for Ms [redacted] account caused a system-generated letter to be mailed advising that Ms [redacted] could cure the default on her account for $This letter was generated in error and we apologize for any confusion it may have causedPlease be advised, while the reallocation was in process we were unable to provide a payoff for Ms [redacted] accountHowever, a payoff quote good through September 13, was mailed to Ms [redacted] on August 30, A copy of the payoff quote has been enclosed for your referenceAs of the date of this correspondence, Ms [redacted] account is current and next due for $for the October 01, due date.If [redacted] has any further questions, she may contact her account representatives Kris Lat ###-###-####, extension ***, or Brett Wat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

Please see the attached response to Ms. ***'s rebuttal.

Here is the Authorization and Consent to Release FormThank you so much for helping me with this issue

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).Records indicate that a short sale was approved contingent on receipt of $136,932.80, by June 29, The funds were received and applied to the account on July 9, The account was closed as paid in full for less than the full balance and a 1099-C was issued on July 16, 2012.A lending institution is required to file a form 1099-C "Cancellation of Debt" to borrowers, with a copy filed with the IRS, whose outstanding principal account balance has been charged offThe information on this form tells the IRS that some, or all, of the lender's loan was not repaid by the borrowerForm 1099-C reporting is applicable to repossessions, voluntary surrenders, foreclosures, abandonments, and settlementsFor more information regarding form 1099-C, Mr [redacted] may contact the IRS or a professional tax advisor.Pursuant to Mr [redacted] correspondence, the information reported to the credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) regarding the above referenced account was reviewed and has been deemed to be true and correct according to account recordsThe account is being reported as closed days past due, paid in full for less than full balance, as of June 29, 2012, with a date of first delinquency, March 1, 2012.Mr [redacted] should be advised that negative account information may remain on his credit report for a minimum of years from the date of first delinquencyThe date of first delinquency is used by the credit reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act FCRA)Please note that it is the responsibility of the credit reporting agencies to monitor the trade lines listed on their credit report for removal of information.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,Kristina ***Customer Service Correspondence Supervisorcc: [redacted] , [redacted] , ROYAL PALM BEACH, FL ASWZSi8sb9P

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 apologize for the dissatisfaction that this matter has caused Mrs [redacted] Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementPlease be advised, due to a printing error the original escrow check dated September 01, was not issued until September 27, However, we have placed a stop payment on the check that was mailed to Mrs [redacted] and the funds will be wired directly to her bank account on October 18, If [redacted] has any further questions, she may contact her account representatives Shenika Wat ###-###-####, 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

Initial Business Response / [redacted] (1000, 8, 2015/06/18) */ June 18, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case number [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Green Tree Servicing LLC ("Green Tree") We understand Mrs [redacted] 's concernsPlease be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided Pursuant to Mrs [redacted] 's request, Green Tree has ceased all outbound telephone communication; however, for her convenience we will continue sending correspondence as required The servicing of the above account was transferred from Beneficial Oregon Incto Green Tree effective June 15, There were no changes to the account terms or conditions as a result of the servicing transferOur initial contact with Ms [redacted] s was on June 11, We have enclosed a copy of the correspondence for your reviewSubsequent contact continued ever month thereafter by sending written correspondence including but not limited to monthly billing statements Records indicate that the account was charged off on June 17, 2009, with a balance of $43,Charge off means that the credit grantor wrote your account off of their receivables as a loss, and it is closed to future chargesWhen an account displays a status of "charge off," it means the account is closed to future use, although the debt is still owedOnce an account is placed into a charged off status, it is no longer assessed interest or late feesThe deficiency balance was transferred to our Asset Receivables Management ("ARM") team for collection Due to the aformentioend, we are unable to comply with Mrs [redacted] 's request to closed the account as a "bad debt"Please be assured Green Tree wants to continue working with Mrs [redacted] to satisfy the balance in fullFor further information, Jason Hmay be contacted at (855) [redacted] , extension *** If you have any further questions or concerns, please feel free to contact our Asset Receivables Management Department at (855) [redacted] between the hours of 6am - 7pm Monday - Thursday and 6am - 12pm Friday MT Sincerely, Vanessa [redacted] Customer Service Correspondence Supervisor /jcn/40/ cc: [redacted] , [redacted] , Astoria, OR