Ditech Financial, LLC

Initial Business Response /* (1000, 5, 2015/12/12) */
December 11,
***
Revdex.com OF MINNESOTA AND NORTH DAKOTA
S RIVER RIDGE CIR
BURNSVILLE MN
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 encountered while attempting to obtain the insurance claim check to repair the damage to her homeDitech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementDitech's 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 laws and regulations, both state and federal
Please be advised that policies are set in place to ensure both Ms***'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 accordingly
We received the initial notice of the claim on September 23, That same day, we mailed the forms and instructions to her addressBecause we did not have an adjustor's estimate, we could not process an initial, partial release of fundsAfter receiving an adjustor's estimate, on November 6, 2015, we released $15,The check was made payable to Ms*** and ***Ms*** returned this check to Ditech advising that Dunn Lumber would not accept itUpon receiving the returned check, we deposited the funds back to the restricted escrow account After receiving additional documentation, on November 20, 2015, we mailed a check for $10,made payable to Ms., *** onlyAn additional $1,was mailed to Ms*** on December 1, On December 4, 2015, we received additional required documents from the contractor and released an additional $7,In order to continue to release additional funds Ms*** must provide the required documents from the contractors completing the repairs
If* has any further questions, she should contact Insurance Claims Department at (800) ***, Monday - Friday, 7:a.mto 4:p.mMST
Sincerely,
Vanessa ***
Customer Service Correspondence Supervisor
/lqh/39/
cc:***, ***, Seattle WA
Initial Consumer Rebuttal /* (3000, 7, 2015/12/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have been told that I had subjected all of the required documents and information and the claim was waiting for two estimates from the insurance adjuster, Colby ***Mr *** has told me that he submitted the requested information three timesDitech does not acknowledge receipt of the information sent by the adjuster$40,worth of work has been completed and Ditech refuses to release paymentThey have received the information on the people doing the work as well as Lien WaiversI am also receiving letters from a bill collector through DitechI have never been late on a mortgage paymentDitech refuses to answer my email messagesIt often takes minutes to get through their switch board to a call center representative that doesn't seem to have access to the file of informationI have repeatedly been given wrong information
Final Consumer Response /* (3000, 10, 2016/01/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have been told that I had subjected all of the required documents and information and the claim was waiting for two estimates from the insurance adjuster, Colby ***Mr *** has told me that he submitted the requested information three timesDitech does not acknowledge receipt of the information sent by the adjuster$40,worth of work has been completed and Ditech refuses to release paymentThey have received the information on the people doing the work as well as Lien WaiversI am also receiving letters from a bill collector through DitechI have never been late on a mortgage paymentDitech refuses to answer my email messagesIt often takes minutes to get through their switch board to a call center representative that doesn't seem to have access to the file of informationI have repeatedly been given wrong information
Final Business Response /* (4000, 13, 2016/01/14) */
January 14,
***
Revdex.com OF MINNESOTA AND NORTH DAKOTA
S RIVER RIDGE CIR
BURNSVILLE MN
RE: Case # ***
Dear ***:
Thank you for the opportunity to respond to the complaint filed by*** regarding her account with Ditech Financial LLC ("Ditech")
Please be advised that we responded to Ms***'s similar concerns on December 11, Enclosed is a copy of our response
On December 7, 2015, we released $7,to Ms***Ms*** returned the check to our office requesting we reissue the check under another contractor's nameOn December 29, we reissued a check a new check made payable to Ms*** and Oregon Dome, IncOn January 11, 2016, we advised Ms*** that if the check was not received by January 12, 2016, then she could contact our office to request a stop payment and reissueAs of the date of this correspondence, we have not heard back from Ms***
We have received additional claim checks for $17,and $24,We must receive the adjustor's estimate reports before we can release any fundsThe documents that have been received are not the adjustor's estimate reports
Ms*** submitted an email inquiry to our office on November 16, As we received the complaint through the Revdex.com, we submitted a combined response dated December 11, to the Revdex.comWe have not received any additional emails from Ms*** since that date
Ms***'s loan has been paid current and is not in defaultThe letters Ms*** may be referring to are billing statements mailed from our office
Ms*** should remain in contact with our Claims Department at (800) ***, Monday - Friday, 7:a.mto 4:p.mMST
Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT
Sincerely,
Vanessa ***
Customer Service Correspondence Supervisor
/lqh/30/
cc:***, ***, Seattle WA

I am rejecting this response because:
In the review of
the trial payment plan postings, listed in Ditech’s letter dated September 8,
enforces the lack of standards illustrated by the imperfections implemented, causing
the discourse of my account to go arrayThis absence of information was not disseminated
via Ditech’s writing to inform me of the shortage liable on September 1, 2015,
October 1, 2015, and November 1, This action unfortunately transposed
three late payments on my profile; however, in this course of this action, it
would generate a true posting reflecting a nominal amount in late fees to complete
the transaction for the months in questionNevertheless, today Ditech is
ignoring the fact the non-disclosures limited me with the option to finalize and/or
secure the required months involved as I would replicate my excellent payment
historyBut instead, Ditech is standing by their statement “We have
reviewed Ms*** trial period payments and have determined they were
applied to the account correctly”, however, in ignoring
the facts on my file, they all turned their heads to blind side meBut
in all as I recall I did have an overage at the end, had been told the funds
went to my principalNow why would I have an overage then?
In addressing
Ditech’s third line in their letter, “When the account was transferred
to Ditech, formerly known as Green Tree Servicing LLC, we were reporting the
account to the credit reporting agencies”If all had been brought forth accurately
with my postings correctly, this mishap could
have definitely been avoidedSimply, it does not take a rocket scientist to
cross their “T/t’s”, and/or dot their “i’s” to solidify the sale of transfer loan
accurately. As I have taken these
measures to secure my loan with Ditech LLC
In the second line of their reply, the investigation
concerning the Credit Reporting Agenies, formulated a behavior that was clearly
unnecessary. In taking the measure to
resend an Automated Universal Data Form on July 21, considering
this mode was already in place before my inquiry. In utilizing this avenue its seems Ditech
natural is use to white washing the story
I have chosen to
utilize the Revdex.com and other agencies for a resolution to this
matter, considering, in trying to communicate with the suggested team members given
previouslyThey have always turned to deaf ears, giving me wrong information
and become very combative in assisting me from the very beginning. With that said, from then on, unknowingly, it
would seem most of my calls were personally monitor by management. To my surprise it was set forth later my file
would be transferred to another representative to take over, but still the same
system remained cause by the lack of knowledge, in executing my loan package
So I am declining to call the suggested representative as it would be a waste
of my time and patienceIn doing so would only initiate a recurring episode of
their old behavior set by staff in addressing my issues

***Document Attached***
March 18,
*** ***
Revdex.com OF MINNESOTA AND NORTH DAKOTA
S RIVER RIDGE CIR
BURNSVILLE MN
RE: Case #*** *** ***
Dear *** ***:
Thank you for the opportunity to respond to the complaint filed by Mr
*** regarding his account with Ditech Financial LLC ("Ditech")
We advised Mr*** that the private mortgage insurance ("PMI") will automatically terminate when loan is first scheduled to reach 78%While the loan-to-value ("LTV") may have been 78% because Mr*** made extra payments to principal the loan will only automatically terminate when the loan reaches 78% of the original payment terms which is May 1, If Mr*** wished to cancel the PMI sooner, we required a signed written request to remove the ("PMI") requirementA request to cancel the PMI must include a written authorization for Ditech to complete an appraisal and assess the cost of the appraisal to the account as advised in our enclosed letter dated July 16, In addition, the LTV of new appraisal would need to be 80%
The amount of $4,was posted to the unapplied funds ("UAF") account on October 20, That same day the amount of $1,was reversed from UAF and applied to the payment due for November 1, The remaining amount of $2,was applied as a principal only paymentPlease be advised that we are unable to reimburse $1,781.84, as this would cause the account to become delinquentTo amicably resolve this matter we have processed a reimbursement for the amount of $2,If Mr*** has not received the aforementioned reimbursement amount, he may contact our Customer Service Department at the telephone number referenced below
If Mr*** has any further questions, he should contact his account representative Sandi M at (800) *** extension ***, or Rodney T at extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) *** Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT
Sincerely,
Vanessa ***
Customer Service Correspondence Supervisor
/lqh/31/
cc: *** *** *** FORT COLLINS, CO
(Case # *** ***.pdf)

Pursuant to Ms***'s correspondence, a review of the account has determined that we have previously responded to her concerns in response letters sent on October 11, 2016, February 1, 2017, March 1, 2017, March 29, 2017, April 4, 2017, April 13, 2017, April 18, 2017, April 20, 2017, June 7, 2017, July 26, 2017, August 15, 2017, August 28, 2017, and September 28, Copies of these response letters are enclosed for Ms***'s reviewShe may be advised, we stand by our previous responsesIf *** *** has any further questions, she may contact John Pat ###-###-####

*** *** Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 55337 RE: Case #***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (“Ditech”)We understand Ms***’s concernsPlease be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided. Please note, any type of customer contact, requiring a written response, is entered into our servicing system, which then generates an acknowledgement of the customer’s inquiryAn acknowledgement letter was generated on April 5, 2016, in response to the previous complaint filed with the Revdex.com and entered into our system for responseRecords indicate that we have previously responded to Ms***’s requests to cancel the escrow for her account on July 1, 2015, February 23, 2016, and April 15, We are unable to comply with her requests because a signed written request is required in order to review the account for escrow removalMs*** must send a signed request either by fax or mail to: Ditech Financial LLC Escrow DeptSt Peter Street St Paul, MN Fax: (480) 383-When the request is received, it will be reviewed by the Escrow Department to determine if the account meets required criteriaPlease be advised, per the terms of the Deed of Trust, the waiver of escrow requirement may only be made in writing by the lenderIf a written waiver is not issued, the escrow requirement remains for the accountFurther be advised, the lender has the right to require the loan be escrowed at any timeWhile the escrow requirement is in force, the amount of the monthly payment required to fund the escrow account is a required part of the monthly paymentAny payments received for less than the full payment due are placed in suspense until sufficient funds are available to allow a full payment to be applied to the accountWe again apologize for any dissatisfaction this matter may have causedIf you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) 643-0202, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT. Sincerely, *** *** Customer Service Correspondence Supervisor /asw/50/

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding an account with Ditech Financial LLC (Ditech)When reviewing short sale requests, certain criteria and procedures must be followedWe apologize that this can, at times, be a lengthy processPlease be advised, we are unable to provide information to any third party concerning the status of a short sale, without a signed authorization on file from the customer who signed the loan agreementAuthorizations signed by Mr***, will not authorize us to speak to his attorney or another third party in relation to one of our accountsMr*** should note that without additional information that will allow us to identify the property the complaint is in reference to we are unable to locate the account information and advise if the appropriate authorizations have been receivedAuthorizations may be submitted to *** *** ***, Rapid City SD 57709-or Fax Number: ###-###-####If *** *** 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 *** Customer Service Correspondence Supervisor cc: *** *** *** *** ** CARTERET NJ

attached is the written consent

Mr*** may be advised that we are unable to provide information related the requested lien release if we are unable to find the appropriate account number for which he is requesting the lien release be issued forMr *** may provide the full and correct Ditech account number, customer's social security number, the property address, or any additional information that might assist us in locating the referenced account, so that we may further assist himIf Mr*** has any further questions, our Customer Service Department is 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 /* (1000, 5, 2015/12/04) */
Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC ("Ditech")
We understand Ms***'s concernsPlease be assured that her correspondence has been
reviewed with the appropriate department management and the following response is provided
Policies are set in place to ensure both the customer and our interests in the home are protected in the event of an insurance claimMs***'s claim is being processed pursuant to the terms of her contract and our claim proceduresOnce all documents are received, the processing time is 7-business daysWhen all of the required documents and proof of the completed work are received, the funds are released accordingly
According to our records, Marta, a representative from our Claim's Department, spoke with the customer on Wednesday, December 2, in regards to her concernsThe roof is the only thing that is completedThe customer requested that funds designated for interior repairs be released to finish paying for the roofMarta explained that this was not an optionThe customer stated there is another check coming for the recoverable depreciation for the roofMarta advised the customer that once the check is received, we can release more fundsShe is keeping an eye on this to try to get it taken care of quickly
If Ms*** has additional questions regarding this issue, she may contact Marta Rat (800) *** extension ***Our Customer Service is also available to assist and can be reached toll-free at (800)-***, Monday - Friday a.mto p.m., and Saturday a.mto p.mCT
Sincerely,
Shea ***
Customer Service Correspondence Supervisor
Initial Consumer Rebuttal /* (3000, 11, 2016/01/11) */
I have mailed a check from my insurance company to DitechCompleted 90% of the work and they refuse to release any funds
I put a claim in with my insurance company Ditech has released all of the funds for the first part of the repair which was the roof which they paid out the $of which cost $11,I paid the restI have sent in to Ditech per their request pictures of the second part of the claim which was for the living room ceiling of which the claim paid $ I sent the insurance check for $ to Ditech and was told by Marta that when they receive the check for the living room that they would release payment for the portion of the ceiling that was completedIt is all completed except for paintI spoke to a representative today and she told me that Ditech can not release any funds because they have released 75% of funds until all is completedI don't understand what has changed in the last few weeks but If my insurance paid out the claim and the work has been completed why aren't they paying me????????? I asked to speak to Marta and the representative told me she wasn't inThey could have my case manager Warren call me in to HOURSI find that ridiculous that no one would have already called me when they received my letter and the check
I would like them to send me the funds that are owed to me to finish my living room
Final Consumer Response /* (3000, 24, 2016/02/22) */
***complaint has been scanned in and is available using the online complaint system
Final Business Response /* (4000, 26, 2016/02/23) */
This letter is in response to the third rebuttal filed by *** *** regarding her account with Ditech Financial LLC ("Ditech")
We forwarded Ms***'s letter to the appropriate department managementThe following response is based upon their review
Because of the account status, we must verify ALL repairs are completeMs*** has stated the insurance company has the paid receipts and we have offered to make contact ourselvesWe have asked for the adjuster's information; however, it has not been receivedUntil we receive the receipts for the materials Ms*** states she has purchased and the bedroom ceiling is completed and verified, we cannot release the balance of the fundsWe have disbursed all of the funds for the exterior repairs and now need the required documentation for the inside repairs
Please be aware, we have also tried to advise Ms*** we will send an inspector out if she would preferThe bedroom will need to be completed firstTo date, Ms*** has not given us a chance to offer any resolution
If Ms*** has additional questions regarding this issue, she may contact Warren at (800) *** extension ***Our Customer Service is also available to assist and can be reached toll-free at (800)-***, Monday - Friday a.mto p.m., and Saturday a.mto p.mCT
Sincerely,
Shea ***
Customer Service Correspondence Supervisor

Thank you for the opportunity to respond to the rebuttal filed by *** *** regarding her account with Ditech Financial LLC (Ditech).We have reviewed Ms*** trial period payments and have determined they were applied to the account correctlyWhen the account was transferred to Ditech, formerly known as Green Tree Servicing LLC, we were reporting the account to the credit reporting agenciesHowever, since Ms*** discharged her obligation to the account before it was transferred to Ditech, we should not have reported the account to the credit reporting agenciesTherefore, as advised in our previous correspondence, an Automated Universal Data Form (AUD) was submitted to the four major credit reporting agencies (Equifax, Experian, Innovis & Transunion), on July 21, 2016, to delete the reported information from Mr*** credit report. Please not, even if the account had discharged after it was transferred to Ditech, Ms*** credit report would have indicated only the bankruptcy information and not the modification trial payment plan. If Ms*** has any further questions, she may contact her account representatives Darlene Wat *** ***, extension ***, or Mario Cat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday 7:00a.mto 8:p.mCT, and Saturday 7:00a.mto 1:p.mCT. Jared Abelseth, Customer Service Correspondence Supervisor

Thank you for the opportunity to respond to the rebuttal filed by *** *** regarding her account with Ditech Financial LLC (Ditech)The billing statement Ms*** is referring to was generated for the account on December 02, with an amount due showing of $1,Please note that the late fee on the account was waived on December 12, 2016, in response to the complaint received; therefore, the late fee was still showing as due on the billing statement Ms*** receivedAs of the date of this correspondence, the account is next due in the amount of $1,for the January 01, due dateThe information provided in our previous response was accurateIf Ms*** has any further questions, she may contact her account representatives Sandy Mat ###-###-####, extension ***, or Kelli Lat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)We apologize for any inconvenience or dissatisfaction that this matter has causedOur mission is to provide
exceptional levels of servicing and we continuously strive to recognize opportunities for improvementPursuant to Mrs***'s request, we have ceased phone communication at this time; however, we will continue sending correspondence as requiredThe due date for the 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 beginWhen 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 collateralIf Mrs*** can no longer afford the subject property, she may be eligible for the following liquidation programs: -Short Sale: A real estate short sale is any sale of real estate that generates proceeds that are less than the amount owed on the propertyIf Mrs*** determine that she can no longer afford the property this may be considered-Deed-in-Lieu of Foreclosure: A deed in lieu of foreclosure is a deed instrument in which a mortgagor (i.ethe borrower) conveys all interest in a real property to the mortgagee (i.ethe lender) to satisfy a loan that is in default and avoid foreclosure proceedingsIf Mrs*** determine that she can no longer afford the property this may be considered.If *** *** has any further questions, she may contact her account representatives Matthew Zat ###-###-####, extension ***, or Nancy Bat 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 /* (1000, 8, 2016/02/01) */
Thank you for the opportunity to respond to the complaint filed by Ms*** regarding her account with Ditech Financial LLC ("Ditech")
Ms***'s regular monthly payments are due on the 1st of each monthAccording to her
contract, if a payment is received more than days past the due date, a late fee may be assessed to her accountEnclosed is an account payment historyAccording to the payment history, several of Ms***'s monthly payments have been received past the late fee assessment dateAs of today's date, the total late fee balance is $Out of this late fee balance, $is currently due as of the date of this letter
Please be aware that we are not able to automatically apply funds received to the principal balanceThe appropriate payment hierarchy has been set up for the account, and this hierarchy will determine how and when funds will be applied to additional principal in accordance with the servicing agreement
Pursuant to the servicing agreement, payments received are processed utilizing "unapplied funds" ("UAF")Unapplied funds are payments that are received, but have not been posted to the account because the amount received is not sufficient to satisfy a full payment dueThe funds will be held in UAF until additional funds have been received to satisfy a full paymentOnce a full payment has been received the funds will be removed from UAF and the payment hierarchy in place for the account will automatically apply additional funds to principal after all other required amounts due have been satisfied
Although our policy mandates the above servicing agreement, on November 23, 2015, we reallocated the UAF funds of $to the principal balance as a courtesy pursuant to Ms***'s requestSince the additional funds were applied correctly to UAF when they were received, and the reallocation was done as a courtesy, the payments will not be backdated
On January 28, 2016, we reallocated the funds of $from the late fee balance and placed the funds in UAF, making the UAF balance $Therefore, as of the date of this letter, the account is currently due $for the remaining February 1, payment and $of the assessed late feesIn order to have any additional funds applied to the principal balance, Ms*** will need to submit the total current amount due of $Also, please note in order to have any additional funds applied to the principal balance in March; Ms*** will need to submit the total amount due, which will be $This amount includes $for the March 1, payment and $for the remaining late fee balance
If Ms*** has any further questions, she should contact her account representative Patty Sat (800) ***, extension ***, or Octavius M at extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT
Sincerely,
Jared ***
Customer Service Correspondence Supervisor
Initial Consumer Rebuttal /* (3000, 10, 2016/02/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am aware of when I send my payments and late fees are not my issueI am not required to pay the late fees each month (per my note), nor do I have a servicing agreement with your companyI will pay the late fees at the maturity of the loanWith that said, any system limitations your company has is your problemWhen I make my payments, I am allowed to decide where MY additional funds are posted per law (and my NOTE)It is not a courtesy to apply my money as of the date it is received, it is the lawYou may want to consult your legal counsel prior to sending me any additional correspondenceI will be escalating this issue to the federal level (Consumer Financial Protection Bureau) because if this is how your company does business, you need to be investigatedI will also be sending a complaint directly to the investor (FNMA)so that they can review your company for servicing violationsPSI work in mortgage servicing and I am aware of what my rights I have in regards to how my payments are posted and how those postings affect the amount of interest I payMy funds should never be in a UAF account because I have called and written your company several times requesting that after my payment is applied, the additional funds be applied as a principal curtailmentI am not attempting to make more than one payment, nor do I want you to hold on to my money until you feel like applying itYour company is definitely in violation of federal regulations and I will continue to escalate this until your company is either investigated and fined or gets it right
Final Consumer Response /* (3000, 13, 2016/02/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am aware of when I send my payments and late fees are not my issueI am not required to pay the late fees each month (per my note), nor do I have a servicing agreement with your companyI will pay the late fees at the maturity of the loanWith that said, any system limitations your company has is your problemWhen I make my payments, I am allowed to decide where MY additional funds are posted per law (and my NOTE)It is not a courtesy to apply my money as of the date it is received, it is the lawYou may want to consult your legal counsel prior to sending me any additional correspondenceI will be escalating this issue to the federal level (Consumer Financial Protection Bureau) because if this is how your company does business, you need to be investigatedI will also be sending a complaint directly to the investor (FNMA)so that they can review your company for servicing violationsPSI work in mortgage servicing and I am aware of what my rights I have in regards to how my payments are posted and how those postings affect the amount of interest I payMy funds should never be in a UAF account because I have called and written your company several times requesting that after my payment is applied, the additional funds be applied as a principal curtailmentI am not attempting to make more than one payment, nor do I want you to hold on to my money until you feel like applying itYour company is definitely in violation of federal regulations and I will continue to escalate this until your company is either investigated and fined or gets it right
Final Business Response /* (4000, 15, 2016/02/22) */
Thank you for the opportunity to respond to the rebuttal filed by *** *** regarding her account with Ditech Financial LLC ("Ditech")
Enclosed is a copy of the Mortgage that Ms*** signedAccording to page four, under number 1, it advises that the Lender 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 acceptedLender may hold such unapplied funds until Borrower makes payment to bring the loan current
Please note that Ms***'s account is an actuarial loanActuarial interest is calculated in thirty-day increments on this type of account, regardless of when the payment is receivedIf Ms*** makes her payment two or three days before the due date, she will still be charged days of interestIf she makes her payment a couple of days after the due date, she will still only be charged for days of interest for that paymentTherefore, the backdate on the principal payments has no effect on her account
Further, on page 4, under number 2, it states 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) amount 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 Note
As of today's date, Ms*** account is next due $for the March 1, payment and $for assessed late feesIn order to have any additional funds applied to the principal balance, Ms*** will need to submit the late fee balance of $
If Ms*** has any further questions, she should contact her account representative Patty Sat (XXX) XXX-XXXX, extension XXXXX, or Octavius Mat extension XXXXXOur Customer Service Department is also available to answer any questions or concerns and can be reached at (XXX) XXX-XXXX, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT
Sincerely,
Jared ***
Customer Service Correspondence Supervisor

Initial Business Response /* (1000, 5, 2015/08/04) */
August 4,
***
Revdex.com OF MINNESOTA AND NORTH DAKOTA
S RIVER RIDGE CIR
BURNSVILLE MN
RE: Case *** *** ***
Dear ***:
Thank you for the opportunity to respond to the
complaint filed by *** *** regarding her account with Green Tree Servicing LLC ("Green Tree")This letter also addresses Ms***'s additional correspondence that she has recently sent us
We understand Ms***'s concerns and her correspondence has been reviewed with the appropriate department managementWe were unable to locate the claim funds of $5,funds from the information received in Ms***'s correspondenceIn order to research this matter further, we require specific information regarding the wire that was sent by *** including the bulk amount of the wire , the exact date it was sent to us and any reference or confirmation numbers
Further, pursuant to the terms of Ms***'s loan agreement, monthly payments are due on the 1st of each month and late fees may be assessed to payments that are more than days lateWhile no late fee was assessed for the March 1, payment as this payment was credited to the account on March 14, 2015, backdated to March 13, 2015; there was an outstanding late fee balance of $when we began to service the account on June 1, This late fee balance includes a $late fee that was assessed for the April 1, payment that was not received until May 12, and a $late fee for the May 1, payment that was not received until July 16, 2015, backdated to June 25,
Also, please be advised that check number 1468, in the amount of $943.00, was credited to the account on July 16, 2015, backdated to June 25,
We regret any dissatisfaction this matter may have causedIf Ms*** has any further questions regarding the account, she may contact her Account Representative Flavia Bat (800) ***, extension ***, or Xavier Aat extension *** may also contact our Customer Service Department at (800) ***, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT with any further questions
Sincerely,
Kristina J***
Customer Service Correspondence Supervisor
/bkw/30/
cc: *** ***, ***, Sicklerville NJ 08081-

I am rejecting this response because:Your response is why I refinanced with another companyTerrible customer serviceGeneralised letters should not be sent to people they don't pertain toThank you BBC for trying to work this outI did it out of principle

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any dissatisfaction Ms*** has encounteredOur mission is to provide exceptional levels of servicing and we continuously
strive to recognize opportunities for improvement.Records indicate we received a payment of $from Mr*** on April 21, 2016, which was applied as a principal only paymentOn May 4, 2016, we received a payment of $900.00, which was placed in unapplied fundsWe received an additional payment of $on May 16, 2016, which was combined with the $in unapplied fundsOut of these funds, $1,was applied to the May 1, payment and $was applied as a principal only payment.On June 2, 2016, we received a payment of $900.00, which was placed in unapplied fundsOn June 6, 2016, a reallocation was completed to apply the payments received April 21, and May 4, to the May 1, payment with $to principal, and the payments received May 16, and June 2, to the June 1, payment with $to principal as Ms*** intended.Please be assured this matter did not cause a late fee to the loan or negative credit to be reported to the major credit reporting agenciesAs of today's date, there is $in unapplied funds; therefore, the amount needed to complete the July 1, payment is $715.24.If Ms*** has any further questions, she should contact her account representative Jess Cat ###-###-####, extension ***, or Jonathan 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

I am rejecting this response because: As of today November 23, The City of Livonia, Michigan has not received payment of my Summer taxes. I spoke to a supervisor, Joshua ***, at Ditech who states check was mailed via United States Postal Service on November 16, 2016, not on November 10,which was stated to Revdex.com in their response initially. I am not convinced that check is even in the mailWhy did Ditech lie that check was in the mail on November 10, MY SUMMER TAXES ARE STILL NOT PAID!

As previously communicated to Mr***, there are no records indicating that Mr*** was advised that the forbearance payments could be deferred to the end of the loanMr*** should note that call recordings are considered proprietary and confidential and will not be providedMr*** may be advised that Ditech is the servicer of the loan and must adhere to the servicing protocols of the loan's owner/investorTherefore, in order to add any past due amounts to the end of a loan, the terms of the original loan must be modified, which requires that a loan modification be completedUnfortunately, we are unable to comply with Mr***'s request to add the forbearance payments to the end of the loanWe apologize for any dissatisfaction this may cause

RE: Case#*** , *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** ***, received on June 22, 2016, regarding his account with Ditech Financial LLC (Ditech).We understand Mr ***'s concernsPlease be assured that his
correspondence has been reviewed with the appropriate department management and the following response is provided.Records indicate that we have been in contact with Mr*** concerning his request for loss mitigationThe following time line of events has occurred:On April 6, 2016, we received a request for loss mitigation from Mr***.On April 11, 2016, a letter indicating that we required additional documentation was issued for the accountOn May 19, 2016, the loss mitigation request was closed and a letter was sent to Mr***, indicating that we had closed our review because we had not received a completed application.On May 31, 2016, Mr*** contact us at which time we indicated that he would need to submit a new application and documentation.On June 3, 2016, a request for a property tax bill was emailed to Mr*** and a letter was mailed indicating additional documents were needed.On June 9, 2016, we received a phone call from Mr*** in which, he was advised that the documentation we received was unreadable.On June 14, 2016, account records indicate that the property tax bill required had not yet been receivedOn June 22, 2016, we received an incoming phone call from Mr*** where he expressed that he felt he was being given "the run around"The account manager contacted Mr*** on June 23, 2016, to discuss the issue.A final review of the loan modification requested confirms that we still do not have a copy of the property tax bill for Mr***'s property located at *** *** *** propertyMr*** has previously provided a copy of the bill stub used to submit the property tax payment, but the stub does not state if this is the fullamount for the year or if it paid in multiple paymentsWe are unable to use the provided information as part of the required documentation and we are unable to review the account until we receive a completed application and all the required documentationMr*** will need to provide the complete property tax bill for the property address for Ditech to complete the review of his applicationThe required information can be faxed to ###-###-#### or mailed to:DitechAttn: Loss Mitigation T*** *** *** *** Tempe, AZ 85283Please note, because Mr***'s account is a second lien, the account has not been reviewed for the HARP/FHFA modification programsThe account does not qualify for those programs as a second lienThe account may be reviewed for a Bank of America in house modification program.Mr***, should also be advised that the initial application was not submitted to us until April 11, The disengagement letter, sent on May 19, 2016, ended the previously requested loan modification reviewA new application was submitted June 2, 2016, but the review will be cancelled and a new decline letter issued for the account if the required information is not received.If Mr*** has any further questions or to discuss the status of the loan modification request, he should contact his account representative Brenda Oat ###-###-####, extension ***, or Timothy 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.m.Sincerely,Kristina *** Customer Servicecc: *** ***, *** *** *** CLINTON, MD ***

Initial Business Response /* (1000, 5, 2015/04/24) */
April 24,
***
Revdex.com OF MINNESOTA AND NORTH DAKOTA
S RIVER RIDGE CIR
BURNSVILLE MN
RE: Case # ***, ***
Dear ***:
Thank
you for the opportunity to respond to the complaint filed by Ms*** regarding her account with Green Tree Servicing LLC ("Green Tree")Let me assure you we take these matters very seriously
We understand Ms***'s concernsPlease be assured the correspondence was reviewed with the appropriate department management and the following response is provided
The referenced account has been reported to the four major credit reporting agencies (Equifax, Experian, Innovis and Trans Union) as current since Green Tree began servicing it on February 1, There was a special comment reported for the months of September through December The special comment has no effect to the customer's credit score and is reported on every account that Green Tree serviced in that area during that time frameAs stated, the account is no longer reporting with the special comment as of January
Payments mailed to the remittance address on Ms***'s statement are processing by a federally regulated processing center hired by Green Tree to apply payments to our accountsThey are required to process all payments within hours of receiving the check; therefore, all payments received are processed regardless of the date on the checkThis process is automated and postdated checks are not heldWe have enclosed a payment history for your reference
As of the date of this correspondence, the account is next due for a payment on June 1, 2015, in the amount of $1,The account has unapplied funds of $-
We apologize for any dissatisfaction this matter may have causedIf Ms*** has additional account questions, she can contact Account Representative, ***., at (800) *** extension *** or our Customer Service Department at (800) ***, Monday - Friday AM to PM, and Saturday AM to PM CT
Sincerely,
***
Customer Service Correspondence Supervisor
/rgf/
cc: ***, ***, Knoxville, TN,