Ditech Financial, LLC

RE: Case#***, *** ***Dear *** ***: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 inconvenience that may have been causedPlease be aware, account records indicate that the automated payment plan (ACH) was cancelled online on April 16, At that time a cancellation notice was sent, a copy of this letter is included.Records indicate that ACH was set up on May 31, to be drafted bi-weekly with an additional $1,to be applied towards principalA copy of the ACH enrollment letter is also includedUnfortunately, we are unable to make changes to the ACH account with out a signed requestIf the above information is incorrect and Mr*** wishes to change the amounts to be drafted from ACH he may send in a signed request or update the information online at www.ditech.com.It is customary in the mortgage lending industry for accounts to be sold and transferred between lending institutionsThese transfers do not require the permission of the debtor to take placeThe account will remain with Ditech at this timeAdditionally we are not able to offer any monetary compensation for Mr*** at this time.If *** *** has any further questions, they should contact their account representative Shunnette Lat ###-###-####, extension ***, or William Fat extension ***Our Customer Service Departmentis also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea *** DitechCustomer Servicecc: *** ***, *** *** *** FORT WASHINGTON, PA ***

Initial Business Response /* (1000, 5, 2015/09/21) */
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 her correspondence has been reviewed
with the appropriate department management and the following response is provided
Please be assured Ditech will cancel Private Mortgage Insurance (PMI) if a borrower meets the eligibility criteria and conditionsThe cancellation and termination provisions of Homeowner's Protection Act (HPA) of apply to all loans with PMI
According to account records, Ms*** modified the terms of her loan on April 26, which increased the balance of the loan to $151,A copy of the modification agreement is enclosedThe new balance of the loan is the capitalization of all past due payments, escrow and any advances that may have been assessed to the loan prior to the date the modification was offeredBy increasing the balance of the loan, the date the PMI would automatically terminate also changedTherefore the original PMI disclosure is not applicable
A modification changes terms of the loan and the amortization starts over at the time of modificationIf Ms*** wants to cancel PMI she must submit a request with authorization for us to order an appraisal, at her costThe cost of an appraisal is approximately $
The following is a breakdown, showing terms of modification, including the value that determined eligibility of the modification:
Loan Amount $151,
Payment $
First Payment 05/01/
Interest Rate 3.75%
Cash Date 06/22/
Maturity Date 04/01/
Midpoint 08/01/
Modified Yes-05/01/
Appraisal and HUD
Appraised Value 166,
Sales Value
MOD Value 146,
Original Value 146,
Current Actual LTV 86.91%
Non-Investment Single Family
Date for 80% 12/01/
Date for 78% 08/01/
Date for 75% 08/01/
Date for 70% 03/01/
Date for 60% 12/01/
If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) ***, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT
Sincerely,
Shea ***
Customer Service Correspondence Supervisor
Initial Consumer Rebuttal /* (3000, 7, 2015/09/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
***
Revdex.com of Minnesota and North Dakota
SRiver Ridge Cir
Burnsville, MN
Dear ***:
Once again, the Escrow Deptis supplying erroneous information and/or not providing proof to support their claims
My loan was modified however Section Eand Fon page of the Modification Agreement that MsAnderson provided clearly states:
E: That the Loan Documents are composed of duly valid, binding agreements, enforceable in accordance with their terms and are hereby reaffirmed
F: That all terms and provisions of the Loan Documents, except as expressly modified by this Agreement, remain in full force and effect; nothing in this agreement shall be understood or construed to be a satisfaction or release in whole or in part of the obligations contained in the Loan Documents; and that except as otherwise specifically provided in, and as expressly modified by, this Agreement, the Lender and I will be bound by, and will comply with, all the terms and conditions of the Loan Documents
The only terms that we modified were the interest rate and balance, the rest of the loan documents that related to PMI, including the appraisal value on which it was based, remain intact
The Homeowner Protection Act (HOPA) states at that at the time of consummation of a residential mortgage transaction, the lender must give the borrower certain disclosures that describe the borrower's rights with regard to PMI cancellation and terminationI was not provided with any disclosures when the loan was modifiedIt is because these terms did not change with the modificationIf Ditech is claiming that they changed, then they need to provide a copy of the disclosures that HOPA states that I should have received
HOPA also states: If a servicer determines that a borrower in a residential mortgage transaction does not qualify for cancellation or automatic termination of PMI, the servicer must provide to the borrower a written notice on the grounds relied on for making that determinationIf an appraisal was used in making the determination, the servicer must give the results of the appraisal to the borrowerDitech is claiming a home value of $146,but has failed to provide the source of that number after numerous attemptsIn order for a loan value to be determined, an appraisal must be performedDitech must provide a copy of the appraisalTo date, Ditech has not provided this information
Lastly, the breakdown provided by Ditech is also inaccurate based on the very numbers they provided in their response letterLet's review:
146,x 80% is 117,which occurs on 12/01/not on 12/01/
146,x 78% is 114,which occurs on 08/01/not on 08/01/
It shouldn't be that difficult to do this simple math and apply it against the amortization schedule which is why I'm pushing for further investigation into this matter by the Revdex.com
Thank you,
***e
Final Consumer Response /* (3000, 11, 2015/10/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
***,
In review of Ditech's response, it is clear that they are attempting to change the terms of my loan themselves outside of the modificationThey have attached a completely different amortization schedule than the one that they sent me originally
Also, Section part O of the modification agreement states that PMI "MAY" increase and the termination dates "MAY" changeThe wording "MAY CHANGE" doesn't equal to "WILL CHANGE"So how do we know that the modification DID NOT change these things? Because the modification doesn't list these changesHowever section Eand Fon page of the Modification Agreement CLEARLY states:
E: That the Loan Documents are composed of duly valid, binding agreements, enforceable in accordance with their terms and are hereby reaffirmed
F: That all terms and provisions of the Loan Documents, except as expressly modified by this Agreement, remain in full force and effect; nothing in this agreement shall be understood or construed to be a satisfaction or release in whole or in part of the obligations contained in the Loan Documents; and that except as otherwise specifically provided in, and as expressly modified by, this Agreement, the Lender and I will be bound by, and will comply with, all the terms and conditions of the Loan Documents
Ditech should offer an explanation or documents for each question below
Please provide the monthly PMI payment amount before modification
Please provide monthly PMI payment after the modification
Please provide a copy of the PMI termination date disclosure that is required by HOPA showing the new effective termination datesThis would have been included with the modification agreement IF these terms were modified
Please explain why the amortization schedule supplied in the response to Revdex.com is different than the one sent directly to me from Greentree in
Explain how you can ACCURATELY value a home without an appraisal
Provide the exact method used for determining the value of my home at modification
Thank you,
***e
Final Business Response /* (4000, 13, 2015/10/09) */
This letter responds to the second rebuttal filed by *** regarding her account with Ditech Financial LLC ("Ditech")
Ms***'s letter was again forwarded to the appropriate department for review
The modification of a loan modifies the terms of the original loan in order to assist the borrower to make the payments affordable and usually to keep them in their homeThere is not a requirement to provide a new disclosure or an appraisalAs previously stated, the value used is an automated estimate of the propertyA modification agreement is not required to list the terms of the Private Mortgage Insurance (PMI)
Please note the modification to Ms***'s account was completed by Bank of America, NAin 2010; which is prior to transfer to Ditech on June 1, Therefore, we are unable to further speak in regards to the property value used in the previous servicer's modification reviewThe loan is serviced according to the terms of the modification
The following responds to Ms***'s additional questions:
& The PMI premium pre-modification was $56.64, after the modification it was $
There is not a new disclosure requiredMI disclosures are required on a new loan only(i.erefinance or purchase)
The amortization scheduled provided in our previous letter was created that day based on the modification termsWe are assuming the amortization schedule Ms*** referenced in her letter was the one provided when the loan originatedAfter a loan is modified, the original amortization schedule no longer illustrates how payments are applied to the account
& Again a full appraisal is not required to modify the terms of a loanThe Uniform Appraisal Dataset (UAD) is a component of the Uniform Mortgage Data Program(r) (UMDP(r)), jointly established by Fannie Mae and Freddie Mac under the direction of their regulator, the Federal Housing Finance Agency, to provide common requirements for appraisal and loan delivery data
If you have any further questions, please do not hesitate to contact our Customer Service Department at (800) ***, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT
Sincerely,
Shea ***
Customer Service Correspondence Supervisor

RE: Case#***, *** ***Dear *** ***: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 inconvenience that may have been causedAccount records indicate a
payment in the amount of $2,was received on June 28, via our websiteHowever, on July 11, this payment was returned due to an invalid account numberAn electronic payment was made on July 18, in the amount of $2,for the July 1, We have waived the late fee in the amount of $for the July 1, due dateAlso, please note that there has been no negative credit reporting on the accountAs of today's date, the account is next due for the August 1, due date in the amount of $2,There are no outstanding late fees.If *** *** has any further questions, they should contact their account representative Shunnette Lat ###-###-####, 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.mCT.Sincerely,Shea *** DitechCustomer Servicecc: *** ***, *** *** ***, CLIFTON, NJ ***

Thank you for the opportunity to respond to the complaint filed by *** *** regarding their account with Ditech Financial LLC (Ditech)After careful review, we have verified that the account was acquired from *** on November 01, The transfer of servicing did not affect the
account terms and conditions, other than those related to the servicing of the accountA Welcome Letter was sent to the Mr*** on October 16, advising of the change in servicingAt the time in which the account was acquired by Ditech, the account was next due for the April 10, due date and had a principal balance of $2,Please be advised that no payments were received from Mr*** during Ditech's servicing of the accountDue to the fact that no payments were received, the account was charged off on November 29, The servicing was transferred to *** *** *** *** on December 09, We have reviewed our credit reporting for the referenced account and have verified that the account was reported accurately as charged off and transferred to *** *** *** *** as of December 09, Ditech has no record of the Law Office of *** * *** advising that the reported information was proven to be incorrect and must be removed from Mr***'s credit reportThe above-referenced account was sold to *** *** *** *** on December 09, Therefore, Mr*** will need to contact them at the address or phone number listed below in regard to any outstanding account balance*** *** *** *** *** *** ***Greenville, SC 29603Telephone number: ###-###-#### If 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.mCT

Payments mailed to the remittance address are processed by a federally regulated processing center hired by us to apply payments to 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 envelope or checkPlease be advised records indicate the payment Mr*** remitted via check number ***, dated September 14, 2017, was received on September 19, 2017, and was credited to the account on September 19, in the amount of $1,Mr*** may be advised that, per the terms of the signed loan agreement, the due date for his account is the 1st day of each monthIf a payment is not received in full by the due date, 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 assessedPayments remitted must be received at our payment processing center prior to the late fee date to avoid the assessment of late feesDitech has no liability for the timing of payments delivered through the postal service or when the payment was mailed to us by his banking facilityEnclosed is a copy of the payment received, Mr***'s Note, and a payment historyThe late fee of $50.90, assessed to the account on September 17, 2017, was assessed in accordance with the terms of the Note and is validTherefore, it will remain on the account until paid in full

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)Records indicate that Ms*** is participating in Modification Trial Period Plan (TPP)During a TPP, funds received are credited toward the trial schedule but
held from posting until the time that a full contractual payment is receivedOnce the full contractual payment is received the funds are then posted to the oldest payment dueAny remaining funds are then held towards the next full contractual payment or until the trial has completedOnce the trial plan has completed, any additional funds received will hold from applying to the account until the final loan modification is performedThese payments will be applied as post-mod paymentsAlso, the monthly statements will indicate a regular payment is due until the trial period is complete; therefore, your monthly statement will indicate the account is past due even though payments are being made according to the modification planRecords indicate that there is currently $3,in unapplied fundsIf Ms*** no longer wants to proceed with the loan modification process, she will need to contact her assigned account representative to advise usAt that time, the process will be stopped and the funds will be applied to the accountIf Ms*** has any further questions, she may contact her account representatives Steven Hat ###-###-####, 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

March 29, *** *** 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 ***’s concerns. Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided. Please be advised, the $remaining due on your account for the March 15, due date is valid. Your payment in the amount of $was received on February 8, 2016. This payment was applied as follows: $was applied to the January 15, due date and the remaining $was applied to the February 15, due date. On February 20, funds in the amount of $were applied to the February 15, due date and $was applied towards insurance. This left a remaining balance of $due for February 15, Your payment in the amount of $was received on March 5, 2016. This payment was applied as follows: $was applied to the February 15, due date and the remaining $was applied to the March 15, due date. This leaves a remaining balance of $due for March 15, Please be advised, we have forwarded your request for a call back to your account representativePlease contact David Hat ###-###-####, extension ***, or Vonetta Jat extension *** further informationWe again apologize for any dissatisfaction this matter may have caused. If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT. Sincerely, Shea *** Customer Service Correspondence Supervisor /ars/51/ cc: *** (***) *** *** *** ** Truckville, AL

I am rejecting this response because: They are claiming that we where delinquent and that was not the caseWe where told that we could skip a payment and it just be tacked on to the endThen when I called in I was informed by there customer service that there where only payments deferred and the rest was interest occurring from the time they deferred till now so some one is lyingEither way I am selling this home which is how I found out about these charges and will make sure that it is plastered on every social media site how Ditech does business

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThe complaint could have been avoided if someone at that Company would have reviewed my account instead of the harassment tactics for their mistakeI know I don't have control over who the service provider is for my mortgage, if the company really wanted to make this customer happy, sale my mortgage to another company, I have lowered my expectations of that company and would never recommend them as a mortgage service providerFeel free to share my comments, as soon as I can refinance my loan, I will do it so I will no longer have to deal with that company

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***'s rejection of our previous response, a second review of his account found that his claim that a bi-weekly payment plan was agreed to was unsubstantiatedOur records determined the following contacts concerning bi-weekly payments and amounts due occurred with Mr***, since the servicing of the account transferred to Ditech, formerly known as Green Tree Servicing LLC, effective June 16, 2015: September 11, 2015: Mr*** contacted Ditech and stated he sent a payment of $1,through electronic bank bill pay and requested copies of the escrow analysis completed by the prior server Ocwen and his billing statement, which were faxed to Mr*** a short time laterSeptember 18, 2015: Mr*** contacted Ditech to confirm receipt of bill pay payment of $1,033.63, sent on September 1, 2015, to the prior loan servicer Ocwen, at which time he was informed that the monthly payment had increased to $1,An additional payment of $was promisedMr*** also expressed his desire to cancel escrowSeptember 20, 2015: Ditech contacted Mr***, at which time he stated he had sent an email to cancel escrowSeptember 21, 2015: An email was received from Mr***, dated September 14, 2015, which stated he had set up bi-weekly electronic bank bill payments of $500.00, and it was to be applied to the regular payment of $840.80, with all additional funds to principalThe email requested confirmation of payment receipt, requested to cancel escrow, and to be provided with paperless billingSeptember 22, 2015: A request to cancel escrow was entered into our servicing systemPlease note, the request was denied because at the time the request was received a signed written request to cancel escrow was requiredSeptember 24, 2015: An email was received from Mr***, which stated a payment of $1,was scheduled to occur on September 24, 2015, and he would begin sending bi-weekly payments starting September 18, This email also requested removal of escrowOctober 23, 2015: Mr*** was contacted by Ditech, at which time he was advised that the escrow had not been removed and there was an outstanding balance dueMr*** expressed his disappointment that escrow had not been removed, he was paying through bi-weekly ACH with his bill pay, and that he had been told everything was okHe was informed of the current negative escrow balance, and amounts due to which he replied he would call in the following day to make a paymentOctober 26, 2015: A response letter was mailed to Mr***, to the address on fileThe response letter indicated the address to send escrow signed written cancellation requests to and provided explanation of the full payment requirement for the account, the use of unapplied funds (UAF), and that bi-weekly electronic bill pay payments would be placed in UAF until the amount available was sufficient to apply a full payment to the account.October 31, 2015: Two emails were received from Mr***, indicating his disappointment that escrow had not been cancelledNovember 6, 2015: It is noted that a signed request to cancel escrow was received, which stated his prior request were not responded toAn escalated escrow cancelation occurred and a letter dated November 6, 2015, informing Mr*** that escrow had been cancelled was mailed to the address on fileNovember 14, 2015: A response letter was mailed to Mr***, apologizing that the servicing was not to his satisfactionDecember 15, 2015: An email was received from Mr*** questioning why his emails were not replied toJanuary 15, 2016: Mr*** was contacted by Ditech, at which time he indicated that he pays bi-weekly and doesn't understand why he was past dueJanuary 18, 2016: Mr*** was contacted by Ditech, at which time he indicated that he thought the account was current and advised us that he was not delinquentJanuary 25, 2016: An email was received from Mr***, which stated no secure replies were found under his secure message tabJanuary 27, 2016: A response letter was mailed to the address on fileThe letter included an apology for Mr***'s dissatisfaction, an explanation of how payments are applied to the account using UAF, instructions to contact Customer Service for assistance with online errors, and using our digital alert system.August 8, 2016: We received a phone call from Mr***'s insurance agent who inquired about not receiving payment for the insurance premiumAt this time, Mr***'s insurance agent was advised that the account was not escrowedAugust 15, 2016: A letter requesting current insurance information was mailed to the address on fileAugust 16, 2016: Insurance coverage with Farmers was noted as canceled due to non-paymentUnfortunately, at this time, we were unable to locate a copy of the cancellation notice to provide to Mr***August 22, 2016: Mr*** contacted Ditech concerning the account delinquency and a reallocation request was entered to reallocate and payment of $which had been applied to the account's principal balanceSeptember 6, 2016: A multiday payment reallocation was completedSeptember 19, 2016: A letter requesting insurance information and warning of our plan to buy hazard insurance for the account was mailed to the address on fileOctober 11, 2016: A letter indicating that lender placed insurance had been purchased, which included the purchased policy's details, was mailed to the address on fileOctober 12, 2016: Lender placed insurance was added to the account to protect the Lender's security interest and a payment of $was paid from escrow for the added policyNovember 1, 2016: A payment of $was disbursed for payment of lender placed hazard insuranceThe cost of this payment was assessed to escrowDecember 1, 2016: A payment of $was disbursed for payment of lender placed hazard insuranceThe cost of this payment was assessed to escrowJanuary 3, 2017: A payment of $was disbursed for payment of lender placed hazard insuranceThe cost of this payment was assessed to escrowFebruary 1, 2017: A payment of $was disbursed for payment of lender placed hazard insuranceThe cost of this payment was assessed to escrowMarch 1, 2017: A payment of $was disbursed for payment of lender placed hazard insuranceThe cost of this payment was assessed to escrow.March 9, 2017: We received a telephone call from Mr***'s insurance agent, who indicated that the Farmer's insurance policy was not canceledAt which time, she was informed that the lender placed insurance policy would be canceled and refundedThe lender placed insurance was canceled and the prior Farmers policy reinstated on the accountMarch 14, 2017: An email was received from Mr***, which demanded explanation for the addition of escrow to the his accountMarch 14, 2017: Mr*** contacted us to discuss lender placed insurance payment of $150.00, at which time he was informed of the lender placed insurance added to the account, the cancellation of escrow was requested, as well as the adjustment of the monthly payment due for April 1, March 16, 2017: Mr***'s Revdex.com correspondence is entered into his account for responseMarch 17, 2017: The balance of funds in escrow, placed there as the result of the lender placed insurance policy, were refunded to Mr*** on March 17, A breakdown of amounts paid for lender placed insurance, refunded, and application of funds received to escrow during this time period are listed below for Mr***'s convenienceYearly Cost of Lender Placed Insurance Policy: $1,238.00, with a monthly payment of $The insurance costs were assessed to the account as follows: $as initial payment for the time period from August 1, 2016, through October 31, $for November 1, through November 30, $for December 1, through December 31, $for January 1, through January 31, $for February 1, through February 28, $for March 1, through March 31, $Total Paid for Insurance Premium $Total Refund on March 10, Payments applied to escrow from payments received from Mr*** are as follows: $October 31, $November 26, $December 23, $January 20, $February 17, $Amounts Paid into Escrow $Insurance Refund -$Negative Escrow Balance $Refund to Mr*** Mr*** should be advised, Ditech's right to purchase hazard insurance when proof of the required coverage in not provided is stated in Section Property Insurance, on the enclosed copy of his Deed of TrustOur review has determined that Ditech has correctly refunded, as required by The Real Estate Settlement Procedures Act ("RESPA"), all payments amounts that were applied to escrow from October 12, through March 10, Further, our second review of the account has confirmed that there was no bi-weekly payment agreement made between Mr*** and DitechTherefore, payments have been applied pursuant to the terms of the contractual agreementMr*** should review the enclosed copy of his Note, executed on July 10, 2013, which states in Section 3, Subsection A, entitled, Time and Place of Payments: "I will pay principal and interest by making a payment every monthI will make my monthly payment on the 1st day of each month beginning on September 1, 2013." Mr*** may also review the enclosed copy of his Deed of Trust, which states: Paragraph Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges"Borrower shall pay when due the principal of and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the NoteBorrower shall also pay for Escrow Items pursuant to Section 3."..."Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan currentLender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are acceptedIf each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied fundsLender may hold such unapplied funds until Borrower makes payment to bring the Loan currentIf Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to the BorrowerIf not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosureNo offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument." Paragraph Application of Payments or Proceeds: "Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note (b) principal due under the Note; (c) amounts due under Section Such payments shall be applied to each Periodic Payment in the order in which it became dueAny remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the NoteIf Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late chargeIf more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payment if, and to the extent that, each payment can be paid in full." Consequently, payments that are received in amounts less than the full amount required to satisfy the monthly contractual payment due are held in UAF until the full contractual payment may be credited to the account, pursuant to the contractual agreementPlease be assured we make every effort to credit payments as requestedAlthough partial payments were reallocated in order to apply them in accordance with Mr***'s request on September, 6, 2016, as explained in our previous response, additional partial payments have been received since then which have and will continue to be applied pursuant to the terms of the contractual agreementAdditionally, as payments credited to the hazard insurance were promptly refund when the appropriate proof of insurance coverage was received and because the account uses actuarial interest, which causes amounts charged for interest to be amortized out over the life of the loan, and if payment reallocations are needed, the payments are backdated to the date of receipt to ensure proper crediting of the account, the payments have been appropriately applied per the terms of the contractual agreement and there is no refund owed to him for insurance or additional interest chargesA copy of the account payment history with a running principal and escrow balance is enclosed for Mr***'s reviewIf Mr*** has any further questions, he may contact his account representatives Amberlynne Hat ###-###-####, extension ***, or Bobby 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.mCTSincerely,Shea *** Customer Service Correspondence Supervisor cc: *** ***, *** * *** *** PHOENIX, AZ ***

Initial Business Response /* (1000, 9, 2015/06/19) */
June 18,
RYAN LUECKE
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")Let me assure you we take these matters very seriously
The servicing of the account was transferred from Household Finance Industrial Loan Company of Iowa to Green Tree effective June 16, This transfer of servicing did not affect any terms or conditions of the mortgage instruments other than the terms directly related to the servicing of the account
The loan is the second lien and the balance was in a charged off status at the time of transferWhen an account balance is charged off, interest no longer accrues and additional fees/costs are not assessedHowever, the balance may remain dueThe balance due at the time of transfer was $33,and payments have not been received by usAlthough Mr*** may have paid the 1st lienholder in full, our lien was not paid and remains due
If Mr*** received a claim check as a result of a fire, the funds would need to be applied toward the second lien balance; therefore, we are listed as a payee on the claim checkThe lien will not be released until the loan is considered paid in fullIf the claim funds are not sufficient to pay our lien in full and Mr*** needs to discuss a settlement on the account balance, he can contact our Asset Receivables Management Department
We apologize for any dissatisfaction this matter may have causedIf Mr*** has additional account questions, he can contact our Asset Receivables Management Department at (855)*** between the hours of 6am - 7pm Monday - Thursday and 6am - 12pm Friday MT
Sincerely,
Nikki ***
Customer Service Correspondence Supervisor
/kas/
cc: ***, ***, Honey Creek, IA

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.We will be putting two checks in the mail in one envelope today to be mailed to Ditech - one check for $and another check for $with a copy of Ditech's message to us so that whoever receives the payment applies the funds correctly Thank you for helping us resolve this!

Thank you for the opportunity to respond to the complaint filed by *** *** received on June 8, 2016, regarding her account with Ditech Financial LLC ("Ditech").We regret that *** *** feels Ditech handled the request for assistance inappropriatelyIn response to the modification
concerns, Ditech opened CASEMGMT-*** and a copy of the resolution letter for the case is enclosed.If *** *** has any further questions, she should contact her account representative 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.*** ** *** ***

I am rejecting this response because:
I have been told several time that they would pay the taxes and didn'tI don't believe that accepting the response until the refund is actually issued is a good ideaI would like to note that they didn't say what the error wasI would like for them to tell me what it wasAlso I would like for them to give me a eta of when they will issue the refund for the late feeThank you Revdex.com for at least making them respond in a positive way

Initial Business Response /* (1000, 5, 2015/08/22) */
Thank you for the opportunity to respond to the complaint filed by *** regarding her account with Green Tree Servicing, LLC ("Green Tree")
We understand Ms***'s concernsPlease be assured that her correspondence has been
reviewed with the appropriate department management and the following response is provided
Green Tree's policy and practice is to conduct all collection activity in a courteous and professional manner and to at all times, treat its customers with respectGreen Tree collection associates receive comprehensive training on all aspects of applicable state and federal collection laws and regulationsCollection communications are placed solely for the purpose of determining payment intentions when a customer fails to pay as agreedIf a customer has agreed to make a payment, collection communications may continue if a payment is not received by the promised dateThe collection contacts have been investigated
In response to Ms***'s inquiry regarding the status of the review for modification, we have confirmed the documents she submitted are currently in reviewIf additional or updated information is needed, she will be contacted by phone or letter
If Ms*** has additional questions regarding these issues, she may contact the account representative, Michelle directly at (800) *** extension *** or Kacee at 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.mCST
Sincerely,
Shea ***
Customer Service Correspondence Supervisor
Initial Consumer Rebuttal /* (2000, 7, 2015/08/24) */
(The consumer indicated he/she ACCEPTED the response from the business.)

April 19, *** *** 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 the account
with Ditech Financial LLC (“Ditech”). Please be advised that due to the overpayment of the foreclosure reinstatement, we have agreed to release the amount of $1,The refund amount will be mailed under separate coverPlease allow seven to ten days for deliveryIf Ms*** has any further questions, she should contact her account representative Sherwin Jat ###-###-####, extension ***, or Mary 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.m., and Saturday 7:a.mto 1:p.mCT. Sincerely, Vanessa *** Customer Service Correspondence Supervisor /lqh/39/ cc: *** ***, *** *** *** South Vienna, OH *** ** *** ***

See Attached

I have attached authorization and consent to release non public personal information requested

Initial Business Response /* (1000, 5, 2015/12/22) */
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
Ms***'s account was paid in full on November 17, and backdated to November 16, 2015, subject to collected funds
Please be advised, the account included escrow for insurance and taxesTherefore, Ditech was required to collect and disburse funds for taxes and insurance until the date the loan was closedOur investigation indicates we disbursed funds in the amount of $2,to pay property taxes to Mecklenburg County for parcel # *** on November 3,
On December 16, 2015, the refund check number *** in the amount of $2,was sent by Mecklenburg County to our third party tax vendor and received on December 18, The refund was then forwarded to DitechWe received the check on December 22, The refund was processedWe are scheduled to cut a refund check in the amount of $2,to Ms*** on December 23, which will be sent via regular mail
If Ms*** has additional questions regarding these issues, she may contact Ditech at (800)-***, Monday - Friday a.mto p.m., and Saturday a.mto p.mCT
Sincerely,
Shea ***
Customer Service Correspondence Supervisor

see attached