Ditech Financial, LLC

We apologize for any inconvenience or dissatisfaction that this matter has causedWe are unable to reject an application or discourage borrowers from applying for modification assistance and a complete application is required to reviewThe loan was accurately reviewed and did not meet eligibility requirements for loan modification assistance

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 have verified with StLucie County that the homestead exemption is in place for As the tax amount has changed due to the homestead exemption, we require an updated tax bill in order to update our systemUpon receipt of the updated bill, Ditech may conduct a new escrow analysis based on the updated property tax amountThe tax bill can be submitted to the Ditech address or fax number listed above
If Mr*** has any further questions, she should contact her account representative Stephen Kat ###-###-####, 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.m., and Saturday 7:a.mto 1:p.mCT(DOC032216-***.pdf)

Initial Business Response /* (1000, 10, 2015/08/24) */
August 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 *** regarding his account with Green Tree Servicing, LLC ("Green Tree")
According to our records, an escrow surplus check in the amount of $30,was sent to Mr*** on August 20, A copy of the escrow analysis and surplus check is enclosed for your review
If Mr*** has any further questions, he should contact his account representative Sonya Wat
(800) ***, extension ***, or Susan Hat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday AM to PM, and Saturday AM to PM CT
Sincerely,
Libby ***
Customer Service Correspondence Supervisor
/slb/56/
cc: ***, ***, Gibsonton, FL
Initial Consumer Rebuttal /* (2000, 12, 2015/08/25) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have received the checkBut until I contacted the Revdex.com, New York State District Attorney, and the the company that greentree works for I was getting the run aroundThey still need to be investigated because if this happen to me I can guess what they are doing to others

Thank you for the opportunity to respond to the complaint filed by *** *** received on May 18, 2016, regarding his account with Ditech Financial LLC ("Ditech").Account records indicate the following payments *** *** submitted via his bill payment provided were inadvertently posted to an
incorrect account number*** *** will need to ensure his bill payment provider is submitting payments using account number *** to alleviate this issue in the future.- March 25, 2016, payment in the amount of $- April 25, 2016, payment in the amount of $462.73- May 25, 2016, payment in the amount of $462.73Ditech is currently in the process of reallocating the above referenced payments to *** ***'s account, which will bring the account currentIn addition, the payments will be backdated to the dates they were received to ensure proper credit to the accountLate fees of $32.86, assessed as a result of the misapplied payment, has been waived.Ditech submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) to reflect the account status of currentThe individual credit reporting agencies may take up to 3-business days to update their systemsPlease keep this letter for verification of the change.If *** *** has any further questions, he should contact his account representative Christopher Mat ###-###-####, 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.mCT.*** ** *** ***

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)We apologize for any dissatisfaction Mr*** encountered in dealing with our associatesOur policy and practice is to conduct all communications in a
courteous and professional manner and to, at all times, treat our customers and third parties with respectWe do not tolerate unprofessional behavior from any of our associatesPlease be assured that the responsible department management was notified of Mr***'s concerns, which were addressed with the specific associate and resolvedRecords indicate that Ditech Supervisor Jason Shas attempted to contact Mr*** pursuant to his request, but has been unable to reach himIf Mr*** is experiencing a financial hardship we may have programs available to assist him; however, the account must meet predetermined criteriaMr*** may contact his account representative Tara Bat ###-###-####, extension ***, or Jason Sat extension *** for further informationOur 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).The servicing of the above account was transferred from CitiMortgage, Inc(CitiMortgage) to Ditech effective September 1, The servicing transfer did not
affect the account terms and conditions, other than those related to the servicing of the account.Our records do not indicate that we have reported any of Ms***'s payments as delinquent to the credit reporting agenciesIf Ms*** has a copy of her credit bureau report indicating that we have reported her account delinquent, she can mail or fax a copy of the credit bureau report to the above address or fax number, and we would be happy to research this matter further.If Ms*** has any further questions, she should contact her account representative Sigi Bat ###-###-####, extension ***, or Rashanna 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 /* (1000, 10, 2015/04/29) */
April 29,
***
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")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 information we provided to the credit reporting agencies is accurateOur records reflect Ms*** filed a Chapter Bankruptcy on October 14, and per court documents the debt was discharged in the bankruptcy filing on March 15, This means she discharged her financial obligation to the debt and we cannot continue to "collect" the debt from her or report the account activity on her Credit Bureau reportWe are reporting that the loan was discharged through bankruptcyWithout a reaffirmation of debt, we are prohibited from reporting a loan balance, payment history or certain datesIf Ms*** has a signed reaffirmation agreement that was filed with the courts during her bankruptcy, she can provide us with a copy for further review
The mobile home loan has a fixed interest rate of 8.00000%Because the loan is only secured by the mobile home which is considered personal property, the account is not eligible for a modificationIn addition, Green Tree does not offer refinancing for mobile home loansHowever, Ms*** can inquire with a lending institution of her choice about refinancing options to reduce the interest rate
The payments are paid via our automatic payment program (ACH) and Ms*** selected to have the payment debited on the 3rd of each monthAs indicated on the ACH application Ms*** signed, if the debit date falls on a Saturday, Sunday or banking holiday, the debit will be drafted on the next available banking dayThe account is a simple interest loan, therefore, if the payment is not able to draft because the debit date falls on one of the days indicated above, additional interest may accrue
We apologize for any dissatisfaction this matter causedIf Ms*** has additional account questions, she can contact *** at (800) *** extension *** our Customer Service Department at (800) ***, Monday - Friday AM to PM, and Saturday AM to PM CT
Sincerely,
***
Customer Service Correspondence Supervisor
/kas/
cc: ***, *** Burleson, TX
Initial Consumer Rebuttal /* (3000, 12, 2015/04/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This house financed by Green Tree was not a part of the bankruptcyThey were excludedI have spoken with Green Tree several times about this problemThey always tell me to give them a new Security AgreementI tell them the one we already have is still good because they were suppose to be exempted from the BankruptcyI don't know how they would have got includedI didn't include them in itI am attaching a copy of our Original Security Agreement signed on *** which should still be in full force and effectIf they want me to sign another one, then Green Tree should provide me with one to signI want all of my payments to be reported to the Credit Bureaus as they should beThey are hurting my credit by not reporting them
Final Business Response /* (4000, 19, 2015/05/13) */
***Document Attached***
May 12,
***
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 rebuttal filed by *** regarding her account with Green Tree Servicing LLC ("Green Tree")Let me assure you we take these matters very seriously
We understand Ms***'s concernsHowever, the recorded court documents do not reflect that her loan with Green Tree was reaffirmed in the bankruptcy filingPlease be advised, when a consumer files bankruptcy there is not an option to choose which debts will be "included" in the actionAll debts must be declared and any secured property becomes property of the estate of the bankruptcyTherefore, we cannot comply with her request to report the account status to the credit reporting agenciesWe will continue to report the account as discharged through the bankruptcy, unless she can provide us with a signed reaffirmation agreement that was filed with the courts at the time of her bankruptcy filingAs previously advised, Ms*** can contact her bankruptcy attorney regarding the reaffirmation agreement
We apologize for any dissatisfaction this matter may have causedIf Ms*** has additional account questions, she can contact *** 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
/kas/
cc: ***, *** Burleson, TX

Please be advised, our records indicate that we have previously responded to Mr***'s concerns in full on two separate occasionsWe have enclosed a copy of the response sent by our Legal Department to Mr***'s complaint filed with the Arizona Department of Financial RegulationsAs previously communicated, we learned that Mr***'s primary residence is in California and that the property he was trying to assume was not his primary residence, as he indicated on the loss mitigation applicationThe occupancy requirement is set by the investor of the loan and we are unable to obtain an exception to this requirementTherefore, Mr*** is not eligible to assume the property and has been denied a loan modification for the property

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).Pursuant to the enclosed documents, the interest rate for the account was not locked until January 28, 2016; therefore, Mrs***'s account did not qualify for
the $gift card.If Mrs*** has any further questions, she should contact her account representative Lawrencett Wat ###-###-####, extension ***, or Tasia Aat 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 rebuttal filed by Mr*** regarding their account with Ditech Financial LLC (Ditech)Account records indicate that the payments received via Mr***'s billpay did contain an account number; however, the account number provided was not associated with either of Mr***'s accountsWe have enclosed a copy of one of Mr***'s checks received via his billpay for referenceDue to the fact that a valid account number was not provided, the payments were not posted as Mr*** intendedUpdating the account number referenced on Mr***'s payments would ensure that the payments are properly posted to his accountOn November 07, 2016, funds in the amount of $were received and combined with the $in unapplied fundsOn November 08, 2016, those funds, totaling $803.50, were applied to the account as follows: $was applied to the October 01, due date and $was placed in unapplied fundsThe transaction was backdated to November 07, to ensure proper credit to the accountPlease be advised that all of the late fees, assessed to the account as a result of the misapplications, have been waivedAdditionally, no negative reporting has been made to the credit reporting agenciesWe apologize for any confusion this issue may have causedAs of the date of this correspondence, account number XXXXis past due in the amount of $for the November 01, due dateAdditionally, the account has $in unapplied funds; therefore, a payment in the amount of $would satisfy the November 01, due dateIf Mr*** has any further questions, he may contact his account representatives 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

We have received your complaint and appreciate the opportunity to respondBefore we can do so, however, federal law requires that we obtain your consent to share information in the account filePlease sign and return the attached Authorization and Consent to Release Non-Public Personal
Information form so we may review and respond to your concerns

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 improvementOur records indicate that Mr*** submitted a similar complaint to the Consumer Financial Protection Bureau ("CFPB") regarding his accountWe have enclosed a copy of the response sent by our Legal Department, which addresses all issues outlined in Mr***'s complaintIf *** *** has any further questions, he may contact his account representatives Nicole Cat ###-###-####, extension ***, or Lawana 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

We would like to apologize that the service Mr*** received was not to his satisfactionPlease be assured, appropriate department management was notified, and has addressed the issue accordinglyWe strive to provide exceptional levels of servicing and recognize opportunities for improvement
We sincerely appreciate you providing us an opportunity to evaluate Mr***'s situationMr*** may be advised that the process of completing any loss mitigation alternative may be quite lengthy and complicatedAdditionally, because we are not the owner/investor of the loan and we merely service the loan for the owner/investor, Fannie Mae, Ditech must adhere to all conditions and stipulations made as the result of any loss mitigation options offered by the owner/investor of the loan. Pursuant to Mr***'s correspondence, which states Mr*** has contacted us but has not received any return telephone contact, and requests a direct contact line the manager of our loss mitigation department, Mr*** may be advised, there is no direct contact number for our loss mitigation departmentOn May 24, 2017, Mr***'s account manager attempted to contact him but was unable to reach himAt this time, we would advise Mr*** to keep in contact with his account representatives to receive the most current and up to date information related to his Deed in Lieu request

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 encountered 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 associatesPlease be assured the responsible department management was notified of Ms*** concerns, which were addressedRecords show that Ms*** applied for and obtained assistance funds from Central Kentucky Community Action Council (CKCAC)Ms*** was approved for a Modification Trial Payment Plan (TPP) in January In order to qualify for a permanent modification, Ms*** is required to make TPP payments of $in February 2017, March 2017, and April Ditech is committed to providing our customers with every opportunity to retain their homeOur communication attempts have been to keep Ms*** apprised of the status of this TPP, and to help her understand that these payments must be made in a timely manner to qualify for a modificationA Ditech representative contacted Ms*** on March 9, 2017, to advise her that the first TPP payment had not been received as of that dateOn March 16, 2017, we received funds in the amount of $592.77, which were applied to the February TPP payment that was dueAs of the date of this correspondence, the March TPP payment has not been receivedDitech respectfully requests that Ms*** contact CKCAC as an additional reminder to them of the urgency of the payments to her accountAlthough CKCAC is assisting her with the TPP payments on the account, the customer is always responsible to make sure that payments are received by DitechIf Ms*** has any further questions, she may contact her account representatives Tyese Sat ###-###-####, extension ***, or Amber 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

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 encountered with her automatic payments (ACH)Records indicate a change was made to the
additional principal payment amount for the ACH on May 10, 2016, via our websiteThe effective date of that change was June 1, Unfortunately, this change caused the ACH to discontinue; therefore, the second half of the June payment did draft on May 20, 2016.In order to reinstate ACH payments, we must first cancel the ACHWe are then required to receive a new ACH applicationRecords show that the ACH was canceled on June 14, Enclosed is a copy of the cancellation letterAt this time, if Ms*** would like to, she can sign back up for ACH via our websitePlease note however, the account will need to be paid one month aheadAt this time, there is not enough time left in June to have both bi-weekly payments transact for July 1, 2016, so the July 1, payment will need to be paid in full firstOnce the July 1, payment is paid, Ms*** can sign up to have the ACH start transacting in July for the August 1, payment.Records indicate that Ditech Representative did contact Ms*** on June 14, 2016, regarding this matterWe apologize that Ms*** did not receive a telephone call back from a Ditech Supervisor as she was advised she wouldWe have submitted a request today to have a Ditech Supervisor contact her regarding this matter.If Ms*** has any further questions, she should contact her account representative Travis Cat ###-###-####, extension ***, or Bradley 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 /* (1000, 5, 2015/07/30) */
July 30,
***
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 his account with Green Tree Servicing LLC ("Green Tree")
We understand Mr***' concernsPlease be assured that his correspondence has been reviewed with the appropriate department management and the following response is provided
Pursuant to Mr***' signed loan agreement, if proof of adequate insurance is not received, a lender placed insurance policy may be purchased on his behalf to ensure that collateral is covered by insuranceWhen proof of insurance is not received, we send notification to the customer to advise that proof of insurance has not been received and that if the required documentation is not received then a lender placed policy will be purchased on their behalfTo date, the below lender placed insurance policies have been purchased on Mr***' behalf:
Coverage Dates Premium and Service Fee Cancellation Date Returned Premium and Service Fee Earned Premium
December 5, 2012-December 5, $1,February 1, $on April 18, $
April 1, 2013- April 1, $February 2, $on March 17,
*$on May 12,
February 1-2014- February 1, $Flat Cancelled Never assessed to account
June 17, 2014- June 17, $Flat Cancelled $on February 1, and $on June 17,
Please note, the credit of $on May 12, 2015, indicated by the asterisk(*) above, was applied towards the additional principal on the account instead of being applied to the escrow balanceIn order to remove the above earned premium amount from the account, we must receive proof of adequate insurance coverage from December 6, through February 1, Once the required documentation has been received, the appropriate adjustments will be completed
Also, escrow was forced on the account due to the lender placed policies being purchased on Mr***' behalfMr***' request to remove escrow from the account was forwarded to the appropropriate department management for review and his request has been approvedA final escrow analysis is enclosed with this correspondence and is also being sent under separate cover, which will include a check for $for the escrow balance
We regret any dissatisfaction this matter may have causedIf Mr*** has any further questions regarding the account, he may contact his Account Representative Rickey Jat (800) ***, extension ***, or Christine Gat extension ***He 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/60/
cc: *** ***, ***, Rochester PA

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 that our previous response contained inaccurate informationWe have reported Mr***'s account as current to the credit reporting agencies every month, since we acquired the servicing rights to the loan even when the loan was placed in disputeAs previously communicated, no negative information has been reported to the credit reporting agenciesPlease note that Mr***'s account has been removed from dispute

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 after further review of this matter we have sent an Automated Universal Data form (AUD) to the four major credit reporting agencies (Equifax, Experian, Innovis and Trans Union) to update the account information and reflect the account as open, current and with the delinquency reported in January removedOnce the information is received, it may take to business days for the credit reporting agencies to update their recordsIf *** *** has any further questions, she may contact her account representatives Yolanda Pat ###-###-####, 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

Thank you for the opportunity to respond to the complaint filed by *** *** regarding the account with Ditech Financial LLC (Ditech)On November 10, 2016, we verified the total amount due for Ms***'s Livonia City TaxesA disbursement in the amount $1,was made to the Livonia
City tax collectorThe disbursement was sent via United States Postal Service on November 10, The base amount of $1,was disbursed from the escrow accountPlease be advised that the penalties and interest of $55.28, assessed due to the delayed disbursement, was not charged to the accountWe apologize for any inconvenience this may have causedIf Ms*** has any further questions, she may contact ###-###-####, Monday - Friday, 7:a.mto 5:p.mMST

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 appreciate the documents that were attached that I requested. I still need the promissory noteThe only document I received previously was a payment historyIt is possible that the other documents got lost in the mailI look forward to receiving the complete package which should include the promissory noteAgain, thank you so much for the great service!! I am interested in sending a donation in the mail.***