Ditech Financial, LLC

Initial Business Response / [redacted] (1000, 10, 2015/05/05) */ May 5, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding contacts made by Green Tree Servicing LLC ("Green Tree")This correspondence also addresses Ms [redacted] 's correspondence sent directly to Green Tree We understand Ms [redacted] 's concerns and regret any dissatisfaction this matter causedPlease be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided Green Tree does not have any interest in Ms [redacted] 's homeRegrettably, we found that an address in our system was incorrect, which caused notifications to be left at her addressThis address has now been updated at this timeTherefore, there should be no further contact made by Green Tree at Ms [redacted] 's property address We again regret any dissatisfaction this matter causedIf Ms [redacted] has any further questions regarding the account, she may contact our Customer Service Department at (800) [redacted] , Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT with any further questions Sincerely, [redacted] Customer Service Correspondence Supervisor /bkw/33/ cc: [redacted] , [redacted] Austin, TX 78753- Initial Consumer Rebuttal / [redacted] (2000, 12, 2015/05/07) */ (The consumer indicated he/she ACCEPTED the response from the business.) I really appreciate the quick response by Revdex.comThank you so muchI hope in the future GreenTree works on their proceduresI called each time a notice was receivedThose calls should have been immediately flagged and dealt withThat is how it functions where I workThanks again to Revdex.com!!

Initial Business Response / [redacted] (1000, 7, 2015/08/26) */ August 26, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding the account with Green Tree Servicing LLC ("Green Tree") We understand [redacted] 's concernsPlease be assured that the correspondence has been reviewed with the appropriate department management and the following response is provided Our records show that we have previously responded to [redacted] 's concerns in our letter dated August 3, As mentioned in our correspondence, a review of the account revealed that incorrect tax payments were made from [redacted] 's escrow accountHowever, Chesterfield County refunded all of the incorrect tax paymentsThe funds were credited back to [redacted] 's escrow accountIn addition, we updated our records to remove the incorrect parcel number from [redacted] 's account As of this date, the escrow account balance is negative $due to a recent disbursement for homeowner's insurance of $In addition, the account is past due for the April 1, payment and all subsequent installmentsTo discuss payment arrangements, [redacted] should contact account manager, John Rat (800) [redacted] , extension [redacted] or Octavius Mat extension *** If you have any further questions or concerns, please contact Green Tree at (800) [redacted] , Monday - Friday, 7:a.mto 8:p.mCST, and Saturday 7:a.mto 1:p.mCST Sincerely, Vanessa [redacted] Customer Service Correspondence Supervisor /jcn/49/ cc: [redacted] ; [redacted] , North Chesterfield, VA Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/08/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response received from Green Tree is unacceptable The initial shortage shown was $and the new shortage of $is also not correct Tax Payment shown by Green Tree: Payment for the following dates and amounts should not be paid since the loan on my house [redacted] was paid off per the Green Tree letter dated June 13, 10/22/Payment for $ 5/20/Payment for $ 10/28/Payment for $ 4/28/Payment for $ Total for all Payments $ The taxes paid above have not been removed but have been offset by refundsI had paid taxes since I was billed; Green Tree was not billed for the property taxesThe refund was caused due to duplicate payments first paid by me and then paid by Green Tree for the property located on [redacted] I never received a response for the charge of $106.97+$146.36=$The penalty was charged by Chesterfield County for paying the taxes late on my house located on [redacted] No explanation was included for asking $of additional escrow for each month (April, May, June) totaling to $ The total refund should be $(Adding $1741.97+253.33+444.96) Contrary to the above, I have been receiving different amounts to be paid for the remaining balance for [redacted] Letter Dated 6/11/= $ Letter Dated 7/21/= $ Letter Dated 8/14/= $ I am receiving letters stating that I should be paying these amounts without any explanation and I still have not received a response regarding my questions listed in my letter dated 6/30/ Attachments Refer to pages through 3: Shows I own both parcels and The address of parcel is [redacted] with Parcel Tax ID [redacted] and address of Parcel is [redacted] with Parcel Tax ID [redacted] Refer to pages 2,3, and 4: The real estate taxes for [redacted] are $and for [redacted] are $for every six months in Refer to pages through and page 15: The loan for [redacted] , Parcel 1, was paid off May 14th, and the loan for [redacted] , Parcel 2, was paid off on June 1, Refer to pages through and page 15: Despite my paying of the loan in full on May 14, as shown on pages through 9, Greentree is paying the real estate taxes on [redacted] Refer to page 10: Greentree received a refund of $from Office of Treasurer Chesterfield CountyI paid the real estate taxes on this property since it did not have any mortgage from Green treeMy escrow account was never credited for the amounts Chesterfield County refunded to Green Tree Refer to pages through Despite many calls from me and correspondences from Chesterfield County, the real estate taxes of the second half of [redacted] were paid on November 26, instead of the due date of December 5, A penalty of $was shown against me in escrow account as shown on page Similarly refer to page 12: First half of taxes were due on June 5, and were paid on November 26, with a delinquent penalty of $Total charges for delinquent real estate tax payments to Chesterfield County was $ Refer to page 15: Greentree increased the payment to $from $for the so called escrow shortageI paid $extra for months of April, May, and June totaling $additional Refer to page 6: Although loan on [redacted] was paid off on June 1, 2015, the escrow account is scheduled through March 16, It may also include some amount contributing to the escrow shortage I am requesting with this letter a correct escrow statement giving a credit of $(item 5) for the refunded amount, $(item 6) for the penalty since Greentree did not pay the taxes on time, $(item 7) additional escrow payments and any other amount (item 8)Based on this information I have provided there should be a credit of $to me instead of a balance of $as shown Also, please refer to Green Tree attachments 1, 2, 3, 4, and Final Consumer Response / [redacted] (3000, 15, 2015/09/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) The responses from Ms.Vanessa [redacted] are not correct and do not answer the questions for payment which were not supposed t be charged in the escrow account The payments of real estate taxes on [redacted] when loan was paid in full.I am requesting a new escrow schedule for [redacted] beginning 5/I want to know how much money was paid for taxes and insurance for [redacted] 4/23/$Payment 10/22/$Payment 1/8/$Refund 5/2/$Payment 7/19/$Refund 9/18/$Payment 9/18/$Payment 10/28/$Payment 10/28/$Payment 2/11/$Refund 4/28/$Payment 4/28/$Payment 7/10/$Refund Why are tax refunds from Chesterfield County being offset with the taxes? The taxes were not to be since the loan was paid and I had paid real estate taxes already Why am I being charged for a delinquent tax payment for the property on [redacted] ? The delinquent tax payment occurred because Green Tree did not pay the taxes on time, despite repeated reminders from Chesterfield County and myself 4.How was the additional money I paid in April, May, and June credited? Why did Green Tree pay fire insurance on [redacted] when the loan was paid in full in June? I had paid the fire insurance premiumThis is another example of the poor quality of customer service from Green Tree I have tried calling Green Tree many times and the persons answering the phone are not professional and also hang up on the phone callIf Vanessa ***, who is a supervisor cannot answer my questions properly, then is is difficult to gen an answer from another person? I am requesting Ms [redacted] to answer each of my questions since her answers are not correct and Green Tree has to refund money as stated in my letter Final Business Response / [redacted] (4000, 19, 2015/10/09) */ October 9, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] Dear [redacted] : Thank you for the opportunity to respond to the rebuttal 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 satisfactionWe strive to provide exceptional levels of servicing and recognize opportunities for improvement In reference to Mr***'s request for a breakdown of the payments and escrow transactions, we previously provided the payment historyHowever, per Mr***s request, we have enclosed the payment history for both properties referenced in the correspondence As previously communicated to Mr***, as the legal description covered the two properties, we were required to make the property tax payments to account for both of the parcel numbersIn order to remove one of the parcel numbers, we required an updated legal description reflecting only one parcel Due to overpayments, the county sent the refunds to DitechThe funds were then credited back to the escrow accountAs mentioned in our previous correspondence, penalties and interest were not assessed to Mr***Ditech absorb the fees due to the delayed in payment The current account being serviced is for the property located at [redacted] , Chesterfield, VA The loan was transferred with an escrowed account for property taxes and homeowner's insuranceAccordingly, Ditech will disburse property tax and insurance premiums on their respective due datesOn July 1, 2015, we received renewal notification from State Farm Insurance, policy number Subsequently, a disbursement was completed on August 3, 2015, for the premium dueAs of the date, the escrow balance remains at negative $ Mr***'s paid in full loan was for the property address of [redacted] Our records do not indicate that we disbursed payment for homeowner's insuranceWe did, however, receive an insurance refund on April 18, If Mr [redacted] has any further questions, account representative John Rmay be contacted at (800) [redacted] , extension ***, or Octavius Mat 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.m., and Saturday 7:a.mto 1:p.mCT Sincerely, LaShika [redacted] Customer Service Correspondence Supervisor /jcn/38/ cc: [redacted] ; [redacted] , North Chesterfield, VA

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI would, however, appreciate correspondence directly from Ditech indicating the expected date of reissuance.Thank you, [redacted]

RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding [redacted] 's account with Ditech Financial LLC (Ditech)We apologize for any dissatisfaction that this matter has causedOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementOur records indicate we received an insurance claim check for the amount of $10,on August 30, Policies are set in place to ensure both the customer's interests and our interests in the property are protected in the event of an insurance claimThe processing time on a claim, once all documents are received, is 7-business daysDuring the time period we are processing a claim, the claim check is deposited into a non-interest bearing accountWhen all of the required documents are received, the funds are released accordinglyCustomers also have the option to have the funds applied to principal only on their accountAt this time, we have not received all of the required documentation to complete the claim and release the fundsMrs [redacted] has been advised that we still need pictures showing the completed work, lien waiver, and the W-from the contractorWe apologize for any confusion this may have causedOn October 20, 2016, we sent [redacted] a letter advising that we are missing documents required to complete our review of his loss mitigation applicationAs of today, we have still not received the requested documentsA copy of the referenced letter has been enclosed for your reviewIf [redacted] has any further questions, she may contact the account representatives James Dat ###-###-####, extension ***, or Nicholas Rat 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:
Sirs: This involves Ditech's response to my initial complaint, case #***Ditech's representative, Jared ***, misrepresented the actions his company took and my responsesDitech purchased my mortgage from Residential Credit Solutions who confirmed all my insurance policies were up to date and in full complianceHowever, just a few months after Ditech purchased my mortgage, I received notification from them that my insurance was not in complianceI sent several emails and a letter to them detailing how upset I was that they did not do their due diligence when they purchased my accountThey received correspondence from both myself and California Casualty that my home owner's policy and hazard insurance was up to date and on fileI then received additional notifications from Ditech that they needed a Master PolicyI emailed them information for both my Condo Association and the association's insurerMy association informed me they never heard from a Ditech representativeAdditionally, Ditech purchased a policy in the amount of $Their claim that sales and transfer of servicing rights is common in today's lending industry is accurate, but does not take away my rightsMy contract stipulates that nothing changes in terms of my mortgage or any fees upon sale of my mortgage to another lenderDitech did not do their due diligence and in fact violated my rights. :I would like copies of all correspondence and phone records that Ditech made to both my Condo Assocation and its insurerI would also like the policy to be cancelled and a written apology from all parties involved in DitechI especially want to know why they did not have proof of a Master Policy when it was on file with Residential Credit Solutions and should have easily been found by them when they purchased my mortgage

I am rejecting this response because:
I went to my bank to get the letter Ditech asked I should get to send to Payemnetus, unfortunately this isn't something they can produce there and then so "corporate" had to sign off on thisThe bank emailed me days later to tell me the letter was readyI went to get it and sent it immediately to PaymentusI got a call back about days later from Paymentus stating they have received the letter and my account will be "unflagged" in about to days and if Ditech had any old pending payments that they should be removed/cleared so I wont get debitedHe said moving forward I should have no problemI called Ditech told them that the situation with Paymentus was resolved and if there are any old scheduled payments that they should be removed then I scheduled a payment for 12/16/with the repAfter this I went online to see if this scheduled payment should up and it didI thought that was the end of that and to my surprise my account was debit today!Seriously now I am way over drawn, who will pay my over draft fee? This has caused me so much grief and stress its really unbelievable that no one wants to take responsibility for thisI want them to pay my overdraft fees because I did all Ditech and Paymentus told me to do and I am still getting screwedUNACCEPTABLE

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)Pursuant to Mr*** correspondence, a review of the lien release issued did confirm the VIN number was
incorrectly listedWe apologize for any dissatisfaction this may have causedA new corrected lien release is attached for Mr*** convenienceIf Mr*** has any further questions, he may contact our Customer Service Department at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely, Shea *** Customer Service Correspondence Supervisor cc: *** ***, *** *** *** *** FRANKFORT, KY ***

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)We regret any dissatisfaction Ms*** may have encounteredOur mission is to provide
exceptional levels of servicing and we continuously strive to recognize opportunities for improvementIt is our policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat all parties with respectOur representatives are trained and monitored to ensure adherence to all applicable collection laws and regulations, both state and federalPlease be assured the responsible department management has investigated and addressed her concerns, which will be addressed with the specific associate(s)Pursuant to Ms***'s correspondence, a review of the account has determined that Ms***, has contacted Customer Service via telephone on December 7, 2016, December 13, 2016, January 3, 2017, January 4, 2017, and January 5, In response to the above listed contacts and messages left for Ms***'s account representative, we have attempted to reach her multiple times since December 1, Attempts to contact Ms*** were made on November 30, 2016, December, 5, 2016, December 6, 2016, December 14, 2016, December 15, 2016, December 19, 2016, December 20, 2016, December 21, 2016, December 22, 2016, December 28, 2016, December 29, 2016, December 30, 2016, January 5, 2017, January 9, 2017, and January 12, Our records indicate that messages were left but none of the return calls were ever answeredWe received email correspondence from Ms*** on January 3, 2017, requesting a loan modification package and on January 6, 2017, concerning remittance of a payment and requesting investigation into the application of her last paymentIn response to the email correspondence we provide the following information: In response to the loan modification request, a denial letter was issued for Ms***'s account on January 11, Ms***'s account is not currently eligible for a modification as the result of modifications completed within the last yearsA copy of the denial letter sent to Ms*** is enclosed for her convenienceThe account type requires that only a full payment be applied to the next monthly payment due datePayments that are received in amounts different from the payment due are placed in 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 accountOur records indicate that recent payments remitted and credited to Ms***'s account are as follows: $received on August 12, $received on September 10, $received on September 30, $received on October 29, $received on December 9, $received on January 6, As of the date of this letter, the account is due for the following amounts: $November 1, $December 1, $January 1, $Late Fees -$Unapplied Funds $1,Total Due If *** *** has any further questions, she may contact her account representatives Ami Cat ###-###-####, extension ***, or Shanna Sat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely, Shea *** Customer Service Correspondence Supervisor cc: *** ***, *** *** *** DALLAS, TX ***

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)Per the terms of the contract, Ms*** agreed to pay all expenses incurred by the lender for insuring, inspecting, preserving, or otherwise protecting the property and the lender's security interestRecords indicate that CitiFinancial Servicing LLC deferred past due payments on July 19, to assist Ms*** in bringing her account currentThe amount of the deferred interest was $1,However, the balance transferred to us for the referenced advance was $1,Ditech set up the deferred amount as an advance to be collected at the maturity date of the accountA copy of the Adjustment of Terms Agreement signed by Ms*** has been enclosed for your referenceThe prior servicer also transferred a Corporate Advance to us for the amount of $Account records indicate that Ms*** remitted a payment for $for a different account, which was also serviced by CitiFinancial Servicing LLC at the time; however, the referenced payment was applied to the above referenced accountCitiFinancial then advanced funds to Ms***'s second account to cover the payment applied to the incorrect account and set up the Corporate Advance on this account to repay the fundsWe have setup the referenced Corporate Advance to be collected in payments of $and one payment of $The first $installment was due August 15, We have enclosed a copy of the letter sent to Ms*** advising we would be collecting this advance in monthly paymentsWe have only assessed and collected from Ms*** one non-sufficient funds feeWe apologize for any confusion this matter has causedIf *** *** has any further questions, she may contact her account representatives Justin Lat ###-###-####, extension ***, or Scott Pat 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

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).Records indicate Ms*** set up automatic payments (ACH) via our website on January 31, 2016, to begin on Friday, February 26, Enclosed is a copy of the
ACH confirmation letter that was mailed to Ms*** dated February 1, 2016, advising the first debit would occur on February 26, In addition, Ms*** spoke with a Ditech Representative on February 22, and was advised half of the February payment would be debited on February 26, 2016, and the next debit dates would be March 11, and March 25, We apologize for any misinformation or misunderstanding; however, automatic payments are never scheduled to be debited on Saturdays.Unfortunately, we do not have a record of receiving an additional ACH application from Ms*** until June 3, This application indicated Ms*** wanted her debit date to occur on MondaysHowever, due to our ACH system, we are unable to make changes to the automatic payment debit date without first canceling the automatic payment and receiving a new applicationMs*** was advised of this in a telephone conversation with a Ditech Representative on June 7, At that time Ms*** advised that she would call back if she would like to cancel the ACH.On June 17, 2016, Ms*** spoke with another Ditech Representative and the ACH was canceled at that timeEnclosed is a copy of the cancellation confirmation mailed to Ms*** dated June 17, Please note that the request to cancel the ACH was not sufficient time to stop the June 17, debit from occurringThis payment was already in transit to MrTucker's bank.As Ms*** was advised, in order to setup the ACH on her account again, her account will need to be paid one month aheadFor example, if Ms*** would like to sign up for ACH in July 2016, the account should be due for the August payment.Our records indicate that the ACH payments were debited as requested by Ms*** and not a Ditech errorHowever, on June 24, 2016, we reimbursed Ms*** $for fees that were assessed by her bankWe have also waived the late fee assessed to the June 1, payment.If Ms*** has any further questions, she should contact her account representative Jarod Nat ###-###-####, extension ***, or Jessica Sat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

RE: Case#*** , *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech).Policies are set in place to ensure both the customer's interests and our interests in the property are
protected in the event of an insurance claimThe processing time on a claim, once all documents are received, is 7-business daysWhen all of the required documents are received, the funds are released accordinglyThe customer also has the option to have the funds applied to principal on their account.Mr*** received three claim checks from his insurance companyOn April 18, 2016, the first check in the amount of $7,was receivedDue to the amount of the check it was considered a "small" claim, so it was endorsed and released back to the customer on April 21, On June 06, 2016, we received two more checks from Mr*** one in the amount of $and one in the amount of $4,With the addition of the two checks it made the claim a "large" claim, which we monitorOn June 29, we released funds to the customer totaling $4,As of that date, 95% of the claim funds had been returned to Mr***.On July 12, 2016, Mr*** called to advise us that the repairs had been completed and that he needed an inspectionThe inspection was ordered on July 14, and completed on July 21, However, we did not receive the contractors lien waiver until August 11, 2016; therefore, we were unable to pay out theremaining fundsPlease note that the remaining funds of $were mailed to Mr*** on August 18, 2016.If *** *** has any further questions, he should contact his account representative Thandi Fat ###-###-####, 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

I am rejecting this response because: *** *** *** *** attended my closing in person and received a payoff check that included a per diem through August 3rd, By physically appearing at my closing and receiving a check, *** *** *** *** acted as legal agents and representatives of DitechAdditionally, I paid $for this required action to occur (see supporting docs that include closing legal fees required by Ditech.) From a legal, professional and ethical standpoint, *** *** *** as an agent and extension of Ditech in a legal capacity was in receipt of my payoff as of July 31st, at 2:pm and my account should reflect the exact date and time of the receipt of that payment Ditech cannot force their internal process as a means to penalize me, keep daily per diems and report falsely to credit bureaus while charging me a closing fee to have their attorneys at my closing on July 31st, If this was the case, then wire instructions should have been sent to my attorney and the $*** *** *** *** closing fee and attendance would have been avoided At this point I am requesting one of two options:ADitech corrects my payoff date to accurately show a payment for July 31st 2017Ditech accurately report to all Credit Bureaus and show a payment was made in July 2017Ditech issue a Per diem Reimbursement Check from August 1st to the 3rd for inaccurate posting of paymentorB. Ditech leaves all information as is Ditech issues a $reimbursement check to cover necessary *** *** *** *** closing charge.Bottom line, you cannot force a consumer to pay $to have your attorneys attend a closing, collect a check and then post said payment whenever you wantIt is illegal and unethical and I am willing to go to the end of the Earth to rectify this issue in a fair and just manner

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)We would like to apologize for any dissatisfaction Mr*** has encountered with Ditech and in dealing with our associatesOur mission is to provide exceptional
levels of servicing and we continuously strive to recognize opportunities for improvementOur policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat its customers and third parties with respectWe do not tolerate unprofessional behavior from any of our associatesAt the beginning of telephone conversations with our customers, we advise that the call may be recorded for quality assurance purposesAs Mr*** was advised, his telephone conversation was not recorded; however, the responsible department management was notified of Mr***’s concerns, which were addressed with the specific associates and resolvedPlease find enclosed a copy of the letter that was mailed to Mr*** dated August 6, 2016, advising him that servicing of the account was being transferred from NTFN, Incto Ditech effective September 1, This letter also advised that Mr*** should send the monthly payments due on or after September 1, to DitechWe apologize if Mr*** did not receive this noticeWhen 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 delinquencyRecords indicate that we received Mr***’s September 1, payment on September 29, 2016, backdated to September 28, As of the date of this correspondence, Mr***’s account is current and next due $1,for the January 1, due dateThe Automatic Payment Program is currently set up on Mr***’s account, so this payment will be debited automatically from Mr***’s checking accountPlease note that Ditech does not assess any late fees for the first sixty days of servicing an accountTherefore, Mr*** was not assessed a late fee for the September 1, due dateIn addition, no negative credit information was reported to the credit reporting agenciesMr*** has any further questions, he may contact his account representatives *** Cat ###-###-####, extension ***, or Santos Lat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

The reply from Ditech is an avoidance attempt to steal my moneyThey have in the past said they would send me my tax money in escrow I t is now all most
Arpril and Ditechs tax office has done nothing,All required forms have been
sent times, s long with # to the city tax office
I have no choice but to draw up an abstrack

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)Please be advised we are unable to comply with Mr***'s request to remove the escrow for the account
and change the monthly payment to $The owner/investor of the loan is Fannie Mae and the loan is serviced per their guidelinesAs a condition of the mortgage documents, the customer is required to pay all of the property-related taxes as they become dueWhen a delinquency in payment is discovered, per Fannie Mae regulations, the right of the customer to pay their own taxes and/or insurance is revoked and forced escrow is added to the accountThe escrow on the account is then permanent, for the life of the loanFor his convenience, a copy of his Deed of Trust (contract) is enclosed, which Mr*** signed at the origination of his loan on September 30, 2015, and outlines the contractual obligations and servicing expectations for the loanMr*** may review section 3, titled Funds for Escrow Items, for further information related to the Ditech's right to enforce escrow on his accountRecords indicate that in October, November, and December, disbursements for delinquent property taxes as well as the corresponding penalties and interest charges were disbursed to Williamson CountyDisbursement for delinquent and currently due property taxes in October, November and December of 2015, occurred as follows: Amount Disbursed Date Escrow Balance $October 22, -$$1,October 22, -$2,$November 6, -$2,$November 6, -$2,$4,December 10, -$6,These disbursements resulted in a negative escrow balance of $6,Mr***, should be advised that escrow works much like a savings account, specifically for property taxes or other escrowed items such as hazard insurance, flood insurance, or Private Mortgage Insurance (PMI)A portion of the monthly payments received are held in escrow to allow the disbursement of payments for the escrowed itemsWhen funds are disbursed to pay escrowed items and no existing funds are available in escrow, the result is a deficiency balance requiring repaymentDitech has disbursed our funds in order to pay the outstanding billEscrow accounts are analyzed once a year to reconcile payments made to escrow against any increases and/or decreases in disbursements made from escrowAccounts may be subject to one or more of these above listed types of escrowed itemsAt the time of the analysis, any surplus or shortage/deficiency is addressed.The analysis is completed by taking into account the total amount of the projected disbursements expected over the next months and spreading them over months to determine the "base" escrow amountThe projected disbursements are based on the cost of the previous year's disbursementsA cushion of two months of the "base" escrow amount is allowed to be retained per the mortgage documents and/or State lawA cushion is retained to allow for possible increases in actual disbursements over the projected amount and is an actual part of the required escrowA shortage occurs when the projected balance is less than the required balance, but not in the negativeA deficiency occurs when the escrow reaches a negative balanceWhen the escrow payment was calculated per the above listed escrow explanation, the repayment of the negative escrow balance, as well additional funds needed to cure the lack of existing funding for the next scheduled property tax disbursement, were combinedPursuant to the correspondence received, a review of the analysis completed has found an error did occur, which has caused an inflated repayment schedule for the negative escrow balance and escrow shortageWe have corrected this error and adjusted the monthly escrow payment accordinglyMr*** will receive an updated Escrow Account Disclosure Statement with an explanation of the calculations used under a separate coverUnfortunately, the escrow shortage has not been satisfied by the prior escrow overpayment and a portion of the original shortage still existsTo ease the hardship the increase in monthly payment has caused for Mr***, the repayment of the remaining escrow shortage has been spread out over monthsThis has change has resulted in a monthly payment decrease of $from $1,to $1,273.42, effective as of the August 1, 2016, contractual paymentIf Mr*** has any further questions, he may contact his account representatives Shareda Hat ###-###-####, extension ***, or William Fat 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 *** Customer Service Correspondence Supervisor cc: *** ***, *** *** *** ROUND ROCK, TX ***

I am rejecting this response because:
Please have Dietech povided proof of payment returned to myself for payment of property taxes in June of 2015.Also I have the paperwork that was faxed to the taxe department in Sept of at no time was I told it was due to the legal discription but on this paperwork was the legal discription.As for the latest payment the county shows as it has been credited

Thank you for the opportunity to respond to the complaint filed by *** *** received on May 25, 2016, regarding their account with Ditech Financial LLC ("Ditech").The account is being paid via our Monthly AutoPay programPer the AutoPay Application *** *** signed, she authorized
Ditech to make changes to the payment amount to accommodate any escrow, insurance or optional productsUnless a customer is in bankruptcy, Ditech notifies the customer of the new amount due via the billing statementRecords reflect an Escrow Account Disclosure Statement was generated on March 25, 2016, which indicated the monthly payment would increase to $691.24, effective with the May 1, 2016, due dateIn addition, the Billing Statement generated on April 26, 2016, advised the May 1, 2016, due date would be debited via the AutoPay program in the amount of $A copy of the Billing Statement is enclosed.On May 12, 2016, we received a payment of $57.91, which was placed in the unapplied funds accountOn May 16, 2016, the May 1, 2016, due date was paid via the AutoPay program in the amount of $Pursuant to *** ***'s request, we reimbursed the $back to her bank account on May 23, 2016.If *** *** has any further questions, they should contact their account representative Takiyah Jat ###-###-####, 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.mCT.*** ** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI received wire with the refund of the money. Thank you,***

I am rejecting this response because: The dates they have provided are incorrect. Payment where made on the 6th of April not on the 11th and the 18th and I have verified that with my bank. US Mail takes about days why would a wire transfer take and days to
arrive? This is my all point about the complain is that because their inefficient it's I epaying more.Thank you,Michael ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThank you for your helpSincerely, *** L ***