Ditech Financial, LLC

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)Per the tracking information provided by Mrs***, the parcel with her payoff check was received and
signed for on July 19, at 10:A.MHowever, the receiver of the parcel does not open the envelopes and has no record of the envelope being receivedDitech is unable to guarantee that any parcels will be forwarded to us from the receiverAs of the date of this correspondence, we have not received Mrs*** payoff checkIf the payment has been cashed, we will require a front and back copy of the cashed check for additional researchIf the payment has not been cashed, Mrs*** may have to place a stop payment on the check and reissue the paymentMrs*** should be advised though, that if original check is received in our payment processing center it will be processed automatically even if the stop payment has been placedWe regret any dissatisfaction or inconvenience this matter has caused Mrs***If *** *** has any further questions, she may contact her account representatives Toshmeon Bat ###-###-####, 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

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)Please be advised, billing statements are generated 2-days after each payment is received, regardless of the timing or amount of the payment receivedIf no payment is received, a billing statement is generated 2-days after the late fee assessment dateIn addition, payment reallocations can cause multiple billing statements to be generatedOur records indicate that a billing statement was sent on December 16, reflecting an amount due of $2,The referenced statement was generated prior to the reallocation being completed on the accountOn December 28, 2016, a billing statement was sent reflecting an amount due of $5,The referenced statement was sent during the reallocation process when the reversed payments were being reapplied to the accountOn December 29, 2016, a billing statement was sent reflecting an amount due of $for the January 01, due dateThe referenced statement was generated after the reallocation that corrected the account was completedA copy of the December 29, billing statement has been enclosed for your review and recordsWe sincerely apologize for any confusion this matter may have causedPlease be advised, Nichole Lattempted to reach Mr*** by phone; however, she was unable to reach him and left a voicemailPlease note that the account is not enrolled in our automatic payment plan (ACH) and we do not have a payment of $scheduled for January 15, As of the date of this correspondence, the account is past due for $for the January 01, due dateThere is an unapplied funds balance of $348.88; therefore, funds in the amount of $are required to bring the account currentIf *** *** has any further questions, he may contact his account representatives Courtney Jat ###-###-####, 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.mCT

I believe that the escrow was allocated to pay for my homeowners insuranceI am contacting the homeowner insurance to see if I can pay this directly

RE: Case#***, *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding an account with Ditech Financial LLC (Ditech).Unfortunately, we are unable to respond to Ms***'s concerns, because we currently do not have a signed,
written authorization on file from our customer, allowing us to provide information to Ms***A signed authorization may be submitted to the address or fax number listed on this response.If Ms*** has any further questions, she may should contact 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 ***Customer Service Correspondence Supervisorcc: *** ***, ** *** *** *** BAKERSVILLE, NC ***

Pursuant to Ms***'s correspondence, an in-depth review of the account found that a partial payment was inadvertently applied to principal, which resulted in a rolling delinquency within the accountReallocations of the payments remitted since the principal payment have been made and the account has been brought currentAll late fees assessed as the result of the systematic payment application have been waivedMs*** should be advised that her account type requires full payment only and funds remitted as payment are systematically applied to the accountTherefore, if additional partial payments are remitted we are unable to guarantee that they would not be credited to the account's principal balance outside of her intentionThe account is currently due for the January 01, payment with a partial payment in unapplied fundsIf there are any further questions she may contact her account representatives listed within the written response

Initial Business Response /* (1000, 5, 2015/08/06) */
August 6,
***
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")
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 knows that one of its most important responsibilities is to safeguard the personal information that our customers have entrusted to it and, accordingly, takes data protection very seriouslyGreen Tree has taken steps to better ensure that our customers' personal information is not subject to unauthorized access
Green Tree was made aware by the U.SSecret Service of potential unauthorized access to certain computer applications residing on servers operated on behalf of the company that occurred in September We have reason to believe that Ms***'s personal information, which may include her name, Social Security number or other personal information included on mortgage forms, may have been accessible in the incidentHowever, we currently have no evidence that her personal information was actually viewed or taken in the incident
We have offered to provide Ms*** with a complimentary one-year membership of Experian's(r) ProtectMyID(r) Alert to help detect possible misuse of her personal information and provides her with superior identity protection support focused on immediate identification and resolution of identity theftWhile we are unable to extend the term of this membership to five years, we will extend the membership to two yearsIn order to activate the membership, Ms*** would need to activate the ProtectMyID product by calling *** this month, and provide the information included in her notice letter
Once her enrollment in ProtectMyID is complete, she should carefully review her credit report for inaccurate or suspicious itemsIf Ms*** has any questions about ProtectMyID, needs help understanding something on her credit report or suspects that an item on her credit report may be fraudulent, she should contact Experian's customer care team at ***
We regret any dissatisfaction this matter may have causedIf Ms*** has any further questions regarding the account, she may contact her Account Representative Chad Lat (800) ***, extension ***, or Christopher Mat extension ***She 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/33/
cc: ***, ***, San Francisco, CA 94105-
Initial Consumer Rebuttal /* (3000, 7, 2015/08/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Dear ***,
Thank you for the responseI am glad that Green Tree mentioned customers' security are one of the Green Tree's responsibility
Unfortunately, its words are not back up by the necessary actionsIt is critical to make sure the security breach at Green Tree will not incur further financial damage in the futurePlease recognize that it is not only for my beneficial but also for Green TreeWith the requested years monitor, further identify theft problem can be detected or prevented earlyyears monitoring are not sufficient, in particular I had no previous credit card breach until the incident happenedIf my identify is stolen again, how can Green Tree stand in front of a court and tell a judge that Green Tree is not negligence when they have a chance to act on itSaving more years of monitor fees are foolish considering the risks and the liability that could bring to Green Tree if my identity is stolen again
I am also disappointed that Green Tree put the burden of proof back to meSo far all the information that I collected pointing Green Tree the primary party holding responsibilityI doubt this is an isolated incident for the customersWorking with Revdex.com, I demonstrates my good faith in working with Green Tree for a cost effective solutionNevertheless, if Green Tree fails to take up the necessary responsibility, I feel compelling to file a legal complaint to the California District Attorney and explore further legal actions
Thank you!
Ann
Final Business Response /* (4000, 9, 2015/08/26) */
This letter is in response to the rebuttal filed by *** regarding her account with Green Tree Servicing LLC ("Green Tree")
Please be assured that Ms***'s correspondence was again reviewed with the appropriate department management and the following response is provided
As indicated in our previous letter, the security breach occurred in September When we became aware of the incident, we took proactive steps to ensure our customers were protected if the incident caused any negative information to be sustained to their credit reportWe have no evidence any of Ms***'s personal information was actually taken
We do not have the option to extend enrollment in the ProtectMyID for more than the two years we have already providedThe protection will be good through the year The protection is for up to four years after the incident occurredPlease be assured, Green Tree would be more than happy to assist MsYea in dealing with any issues that may occur after the protection has expired
If Ms*** has any further questions regarding the account, she may contact her Account Representative Chad Lat (800) ***, extension *** or Christopher Mat extension ***She 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,
Shea ***
Customer Service Correspondence Supervisor

RE: Case#***, *** ***Dear *** ***: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 inconvenience that may have been causedUnfortunately, there was an error that
occurred in the processing of escrow refunds in the month of JuneThis error has since been corrected and the escrow refund check was mailed to the address on file on 7/1/16.If *** *** has any further questions, they should contact their account representative Brian Hat ###-###-####, extension ***, or William Fat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea *** DitechCustomer Servicecc: *** ***, *** *** *** COLUMBUS, OH ***

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 encounteredAs Ms*** indicates, her payment of $1,received March 25,
2016, was applied to additional principalHowever, this payment was reallocated and applied to her April 1, payment on May 12, 2016, and backdated to the date received of March 25, Due to this matter, Ms***’s account was assessed a late fee and the account was reported as days late to the credit reporting agenciesHowever, please be assured that we have removed the late fee from her account and an Automated Universal Data form (AUD) was sent on May 19, 2016, to the four major credit reporting agencies (Equifax, Experian, Innovis and TransUnion), to correct the account information and remove the day late markOnce the information is received, it may take to business days for the credit reporting agencies to update their records In addition, as Ms*** indicates, when her escrow shortage payment in the amount of $was received, it was placed in unapplied fundsHowever, on April 19, 2016, these funds were applied to the escrow shortageSince Ms*** paid the April escrow payment at the higher amount of $584.29, we lowered the May 1, escrow payment by $(the difference of $and $584.29) making her May 1, monthly home and escrow payment $1,The escrow payment has been adjusted to the correct amount of $515.09, as indicated on the escrow analysis, beginning with the June 1, payment As of the date of the correspondence, the next payment due on Ms***’a account is $1,for the June 1, monthly home and escrow payment Again, we sincerely apologize for any inconvenience or dissatisfaction this matter has causedIf Ms*** 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. *** ** *** ***

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).Our research confirms that a complete loss mitigation application has not been received to complete a modification evaluation on the accountOn July 22, 2016, an
Incomplete Information Notice was mailed to Ms*** communicating additional information was required by no later than August 21, 2016: -Signed Hardship Letter -Proof of Income (all household income) -Copy of Last Year's Tax Return, Copies of Federal taxes filled -Bank StatementsCopies of the two most recent and consecutive bank statements (all pages) -Completed 4506-T Form On September 09, 2016, a second notice was mailed advising that Ditech had not received a response regarding the missing documentation and another Incomplete Information Notice was mailed advising that additional information was required no later than October 09, 2016: -If an applicant is no longer residing in the property, please provide recorded legal documentation awarding subject property to James, such as, a recorded Quit Claim Deed or Divorce DecreeLegal documentation must include the property address and/or legal description-Proof of Income (all household income)Need mortgage statement for rental property, taxes & insurance, and all other expenses and fees associated with the rental propertyNeed to verify if both borrowers are note holders for rental or if there is a recorded quit claim deed for rental, awarding the property to the borrower-Bank StatementsCopies of the two most recent and consecutive bank statements (all pages)We need proof of rental income (receipts, paystubs, ETC.), need proof of payments for James ***'s VA Disability and Retirement Income (months recent and consecutive bank statements, card statements, paystubs, receipts, and ETC.)We have received one (1) month's bank statements but the investor requires two (2) months bank statements-Provide evidence of monthly mortgage payment for all owned properties, including taxes, insurance, homeowners or condominium association fees and assessments related to those propertiesProvide most recent Mortgage Statement for all owned propertiesUpon the receipt of the completed loss mitigation application, the loan will be evaluated and considered for all available modification optionsPlease ensure that information is not more than calendar days old at time of submissionThe required information can be faxed to ###-###-#### or mailed to: DitechAttn: Loss Mitigation T*** *** *** *** Tempe, AZ 85283 At this time, we have closed the loss mitigation workout until a complete loss mitigation application is receivedIf Ms*** has any further questions, she may contact her account representatives Diesha Wat ###-###-####, extension ***, or Bradley 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

Thank you for the opportunity to respond to the complaint filed by *** *** regarding *** ***'s account with Ditech Financial LLC (Ditech)Without proper authorization, we are unable to discuss the account with Mr***, as he is not listed on this accountWe will require a copy of
the death certificate for Ms***, the Probated Will, Letter of Testamentary, or other legal documentation naming an executor/executrix who is legally able to represent the estate in settling the individual's affairsIf someone other than Mr*** is named as the representative, we will need his or her signed authorization granting permission for us to discuss the account with himPlease have Mr*** submit the required documentation, along with his original request, to the Ditech address or fax number listed aboveIf Mr*** has any further questions or concerns, he may contact our Customer Service Department at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

I am rejecting this response because: 1) We continue to receive "past due" notices/letters when our account is, and has always been current. 2) Also, an additional overpayment of $is still due to be added to principle

Initial Business Response /* (1000, 5, 2016/01/18) */
January 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 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 Mr*** was not eligible for a loan modification due to investor guidelinesThe loan modification was denied as the property in question was not the borrower's primary residence and the property was an investment propertyWe have enclosed a copy of correspondence previously mailed on February 9, regarding this issue
The account was under review for a short sale, but all requested documents were not received, therefore; the foreclosure sale was completed on May 26,
Ditech is required to report Mr***'s account accurately to the credit reporting agenciesWe do not delete valid derogatory credit bureau information as a courtesy or in order to facilitate credit restoration
The account has been reported to the four major credit reporting agencies (Equifax, Experian, Innovis and Trans Union) as foreclosure sale completed, collateral sold to settle a defaulted mortgageThe account was 180+ days past due at the time of the saleThe past due amount was reported as $0.00, according to the appropriate state deficiency matrix guidelines
Negative reporting may remain on the credit report for seven yearsPlease note that it is the responsibility of the credit reporting agencies to monitor the tradelines listed on Mr***'s credit report for removal of informationIf he believes his Credit Bureau report to be incorrect, he may file a dispute with the Credit Bureau
We 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) ***, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT
Sincerely,
Sara ***
Customer Service Correspondence Supervisor
/rgf/39/
cc: *** ***, ***, Glendale, AZ
Initial Consumer Rebuttal /* (3000, 7, 2016/01/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The company is either run by sleeze bags, or hires sleeze bagsHiding behind guidelines and process
Back in they hid behind investor guidelines saying, I didn't qualify for short sale or modification due to it being an investment property not my primary residenceYet they gloss over the fact that months prior to that THEY TOLD ME TO MOVE OUT
Now, they hide behind the credit bureaus saying, it's their responsibility to remove old accountsThe bureaus can't remove it because the account has been updated recently, only old inactive accounts may be removed
I want this to go awayThese big companies just walk all over the little guy because they can and there's no government agency that tells them noTHIS SUCKS!
Final Business Response /* (4000, 9, 2016/01/29) */
January 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 Mr*** regarding his account with Ditech Financial LLC ("Ditech")
We understand Mr***' concernsPlease be assured that his correspondence has been reviewed with the appropriate department management and the following response is provided
Ditech is the account servicer, which means that we have to adhere to investor guidelines regarding our customer's requests for loan modificationsRecords indicate that Mr*** was not eligible for a loan modification due to investor guidelinesThe loan modification was denied as the property in question was not the borrower's primary residence and the property was an investment property
Ditech is required to report Mr***'s account accurately to the credit reporting agenciesWe do not delete valid derogatory credit bureau information as a courtesy or in order to facilitate credit restoration
As stated in our previous response, the account has been reported to the four major credit reporting agencies (Equifax, Experian, Innovis and Trans Union) as foreclosure sale completed, collateral sold to settle a defaulted mortgageThe account was 180+ days past due at the time of the saleThe past due amount was reported as $0.00, according to the appropriate state deficiency matrix guidelines
Negative reporting may remain on the credit report for seven years and the removal of outdated information is the responsibility of the credit reporting agenciesThe determination of when information is removed or "falls off" the credit report is based on the FCRA first date of delinquencyThis is the first payment the account became delinquent and was not brought currentThe FCRA date for Mr***'s account is February 1, If he believes his Credit Bureau report to be incorrect, he may file a dispute with the Credit Bureau
We 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) ***, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT
Sincerely,
Sara ***
Customer Service Correspondence Supervisor
/rgf/50/
cc: *** ***, ***, Glendale, AZ

I am rejecting this response because:
They reported as late. I will be posting the recording on the internet to allow people to hear that when the issue is a problem with the payment system, they hold the customer accountable

RE: Case# *** , *** ***Thank you for the opportunity to respond to the complaint filed by *** *** regarding their account with Ditech Financial LLC (Ditech).We apologize for any dissatisfaction 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 associates.When 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 date.Records reflect the Annual Escrow Account Disclosure Statement dated January 28, 2016, erroneously reflected two tax disbursements of $4,This created an inflated escrow payment of $and shortage of $2,According to the analysis, the new payment of $2,was effective with the April 1, 2016, due dateWhen the full payment was not received, the account reflected past due and collection activity startedTo rectify the issue, we processed another analysis on April 29, A copy of the Annual Escrow Account Disclosure Statement is enclosed, which reflects one tax payment of $4,The escrow payment is now $and the shortage was calculated at $The shortage payment is $18.42, making the new regular monthly payment $2,Please note, this payment was backdated to the April 1, 2016, due date.Late fees assessed on April 16, 2016, and May 16, 2016, have been waived and negative information was not reported to the credit reporting agenciesAs of today, the account is reflecting past due $2,to satisfy the May 1, 2016, due dateIf you have any further questions or concerns, please contact ###-###-####, 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).Mr***'s regular monthly payments are due on the 1st of each monthAccording to his contract, if a payment is received more than days past the due
date, a late fee may be assessed to his accountA $late fee was assessed to Mr***'s April 1, payment on April 16, 2016, as the payment was not received until April 18, 2016.Due to a system issue, Mr*** was assessed an additional $late fee on April 22, Please be assured that this late fee has been removed from Mr***'s accountAlso as a courtesy, we have waived the late fee of $that was assessed to the account on April 16, If Mr*** has any further questions, he should contact his account representative Johnson Mat (800) 643-0202, extension 62501, or Xavier Aat extension Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) 643-0202, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)Policies are set in place to ensure both our customer's interests and our interests in the property are
protected in the event of an insurance claimThe processing time on a claim, once all documents are received, is 7-business daysWhen all of the required documents are received, the funds are released accordinglyCustomers also have the option to have the funds applied to principal on their accountOur records indicate that we received Mr***'s claim check on August 08, On August 16, 2016, we disbursed a check to Mr*** in the amount of $10,We spoke with Mr*** on August 24, and advised him that we still needed the adjusters estimate before we could schedule a final inspectionWe received the adjusters estimate on August 29, and, as stated above, turn around time once all documents are received is 7-business daysOn September 07, 2016, we requested a rush inspection to be completedOn August 08, 2016, we mailed Mr*** a check for the remaining insurance proceeds of $13,The inspection was completed on September 20, and Mr***'s claim has been closedIf *** *** has any further questions, he may contact his account representatives Kelli Lat ###-###-####, extension ***, or Jerry Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

Initial Business Response /* (1000, 5, 2015/06/11) */
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***'s concernsPlease be assured that his correspondence has been
reviewed with the appropriate department management and the following response is provided
We would like to apologize for any dissatisfaction Mr*** has encountered in dealing with our associates and during the loss mitigation evaluationGreen Tree's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementHowever, please note that Green Tree is a servicer and does not own the loan; therefore, we must adhere to the investor's guidelines while servicing Mr***'s account
Green Tree's 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 respectGreen Tree does not tolerate unprofessional behavior from any of our associatesPlease be assured the responsible department management was notified of Mr***'s concerns, which were addressed and resolved
After further research, Green Tree has determined that Mr***'s loan did not meet the investor's modification guidelines and could not extend a modified mortgage payment on the second lien that is currently being serviced
As communicated in the denial letter sent to Mr*** dated May 26, 2015, the combined housing ratio was less than 45%To meet the modification criteria, the first lien mortgage and Green Tree's second lien payment would have to exceed 45% of the gross (pre-tax) monthly income to continue with modification evaluationUpon the modification evaluation process, it was determined that the combined first and second lien payments were under the 45% housing ratiosGreen Tree considered the first lien mortgage payment of $1,plus Green Tree's second lien payment of $totaling $1,632.17, then divided this amount into Mr***'s monthly gross income of $3,804.88, resulting in a housing ratio of 43%His gross monthly income was validated through the following:
Social Security Award Letter for *** H***, $1,x125% = $2,
Social Security Award Letter for *** B***, $1,x 125%=$1,
Since the Social Security income was not reported on the Personal Income Tax Returns, Green Tree was required to gross up each income by 125%
As a result of the submission of a loan modification application, Green Tree is required to provide a Notice of Property ValueOn May 26, 2015, a Notice of Property Value was mailed to Mr*** reflecting the property value; however, the current property value did not impact the final modification decline
If Mr*** has any additional questions regarding this matter, he may contact his Single Point of Contact Jordannna Rat 1-800-*** extension ***
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
Initial Consumer Rebuttal /* (3000, 11, 2015/07/09) */
***response has been scanned in and is available using the online complaint system
Final Business Response /* (4000, 16, 2015/07/24) */
***Document Attached***
Thank you for the opportunity to respond to the rebuttal filed by *** *** regarding his account with Green Tree Servicing LLC ("Green Tree")
We have completed a review of the above-referenced inquiry or dispute case number and determined the following:
After thorough review of Mr***'s account, we have determined that it was accurately reviewedWe identified on May 26, 2015, after receiving a complete loss mitigation application, that Mr***'s account did not meet the investor's modification guidelines; therefore, we could not extend a modified mortgage payment on the second lienAs communicated in our correspondence letter dated June 11, 2015, in order to meet the modification criteria, the 1st lien mortgage payment and Green Tree's 2nd lien mortgage payment would have to exceed 45% of the gross (pre-tax) monthly income to continue with modification evaluation
The gross monthly income was validated through the following:
Social Security Award Letter for *** H***: $1,x125% = $2,
Social Security Award Letter for *** B***: $1,x 125%=$1,
A secondary review of the Individual Income Tax Returns list $35,in line 20a; however, this amount was not reported as "Taxable Income" under line 20bSince the Social Security income was not reported as Taxable Income on your Individual Income Returns Tax Returns, we were required to gross up each income by 125%As a result of the pre-tax income of $3,804.88, the housing ratios were calculated as 43%, which was under the 45% requirementTherefore, a decline letter was mailed to Mr*** on May 26, advising that the combined housing ratio was less than 45%On May 29, 2015, a Loss Mitigation Disengagement Notice was inadvertently mailed which did not alter the May 26, modification decline
Green Tree addressed Mr***'s concerns regarding the handling of all collections activity in the enclosed letter dated June 16,
We sincerely apologize for any dissatisfaction that Mr*** has experienced during the loss mitigation evaluationIf Mr***'s financial situation has changed from the last modification review, he may submit a complete loss mitigation application to be considered for another modification evaluation
If Ms*** has any additional questions regarding this matter, he may contact his Single Point of Contact Elva Mat 1-800-*** extension ***
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

I am rejecting this response because:
Thank you for your assistance, This is the 2nd letter that I received from Ditech telling me that they would review my account within days. If I had not made a request previously why would you have sent a letter of that nature. I do not have a fax but I did make the request verbally and by enail. I even spoke to a lady in customer service that attempted to assist me, That is how I was able to bundle my insurances which was cheaper for me. I will send another email requesting the removal of the escrow accounts sir or what other suggestions do you have. I am all ears. I gone from a bad loan to a bad modification form Bank of America which is part of Dietch and Greentree which are both LLC''s of B of A. Should I request the assistance of an attorney sir?

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)In response to Mr***'s request to explain the payment reallocation occurring on September 6,
2016, we provide the following response: The payments are applied to the account utilizing unapplied funds ("UAF")This means that only a full payment can be applied to the accountIf the amount received matches the amount due, it will be applied to any payment dueHowever, if the funds are not sufficient to pay the amount billed, they will remain in UAF until another payment is receivedIf the funds received are more than the amount due and no instructions are received regarding the intent for application of the funds, the additional funds are placed in suspenseFunds in suspense are reviewed daily and follow a specific hierarchy to determine postingThis hierarchy is based on any outstanding amounts such as finance charges, escrow due, returned payment fees, late fees, and acquired accrued interestThis form of payment posting is determined by the mortgage contract and the servicing protocols of the investor of the loanMr*** may be advised that we have previously explained the full payment requirement for his account to him in response letters dated October 26, and January 27, As the account requires only the full contractual payment to be credited to the account and payments are systematically applied to the account, when a payment is received and there are no amounts currently due for the account, the additional funds may then be systematically applied to the account's principal balanceA review of the account's payment history indicates that a partial payment of $was applied to account's principal balance on April 30, 2016, as the result of the above referenced payment hierarchy and an internal system update that was completed on April 1, The systematic payment application resulted in the contractual payments being satisfied at the end of each month instead of the beginningThis required payment reallocations to correctMr*** may review the enclosed copies of his payment history and his Deed of Trust, which indicates in Section 1., entitled Payment of Principal, Interest, Escrow Items, Prepayment Charges and Late Charges, the full payment requirement and outlines the way funds will be applied to the accountPartial payments were received and applied as follows: $April 29, applied to principal $May 13, placed in UAF $May 28, combined with UAF and applied to May 1, payment $June 9, placed in UAF $June 23, combined with UAF and applied to June 1, payment $July 8, placed in UAF $July 20, placed in suspense $August 19, combined with UAF and applied to July 1, payment $August 31, placed in UAF $September 2, applied with payment reallocations After Payment reallocations: Amount Date Received Amount Credited Type $4/29/2016 $840.80 5/1/Payment $5/13/2016 $840.80 6/1/Payment $5/28/2016 $840.80 7/1/Payment $6/9/2016 $840.80 8/1/Payment $6/23/2016 $840.80 9/1/Payment $7/8/2016 $159.20 5/13/Principal $7/20/2016 $159.20 6/9/Principal $8/19/2016 $159.20 7/8/Principal $8/21/2016 $159.20 8/5/Principal $9/2/2016 $159.20 9/2/Principal $5,Total Paid $5,000.00 Total Applied A review of the payment reallocations did not find that any funds remitted by Mr*** were held from applying to the accountNor did Ditech receive any profit from the receipt and application of payments remittedAdditionally, in response to Mr***'s assertion that Ditech agreed to accept partial payments, please be advise that our records do not support this assertionThe contractual agreement determines the full payment requirementA review of the account confirms that the payments have been correctly applied pursuant to the terms of the contractual agreement and the servicing protocols of the accountIn response to Mr***'s concerns about escrow and insurance payments we provide the following response: The servicing of the account transferred from Ocwen Loan Servicing, LLC to Ditech, formerly known as Green Tree Servicing LLC., effective June 16, At the time of servicing transfer the account was escrowed for the payment of property taxes and hazard insuranceA review of the originating account documents indicates that escrow was established at the origination of the loanPursuant to Mr***'s request the escrow for the account was cancelled, effective November 16, Though the escrow for the account was cancelled, as a condition of the mortgage documents, Mr*** is still required to acquire and provide proof of active hazard insurance in sufficient amounts to appropriately cover the property held as security for the loanRecords indicate that on August 1, 2016, we received renewal information for the hazard insurance on fileOn August 8, 2016, we received a phone call from Mr***'s insurance agent inquiring about payment for the policy ***, at which time we informed Mr***'s agent that the loan was no longer escrowedOn August 16, 2016, we received notice that the insurance policy had been cancelled as the result of non-payment, effective August 1, When no proof of insurance coverage was provided to Ditech, a lender placed insurance policy was added to the account to protect the lender's security interest in the propertyAs a result of the addition of lender placed insurance to the account, the escrow was reopened so that a monthly insurance payment could be remittedMr*** may review the enclosed copy of his Deed of Trust (contract), which indicates in Section 3., entitled Escrow, the lender's right to require an escrow account and in Section 5., entitled Property Insurance, the borrower's requirement to maintain insurance for the property, the need to provide proof of insurance coverage, and the lender's right to assess the cost of hazard insurance if the borrower fails to provide coverageTherefore, escrow for the payment of hazard insurance was added to the account, effective with the January 1, paymentPrior to the January 1, payment, funds remitted as additional payments were applied to the negative escrow balance, which resulted from payments made for the lender placed insurance policy, in accordance with the account's payment hierarchy, referenced aboveAs of January 1, 2017, the full contractual payment for Mr***'s account became $On March 9, 2017, Ditech received a call from Mr***'s insurance agent who informed us that the hazard insurance was not cancelledProof of the required hazard insurance coverage was received and the lender placed policy was cancelledThe premium of $was refunded to escrow and the balance of escrow refunded to Mr*** on March 17, 2017.In response to Mr***'s request that we reconcile his account back to the loan origination date, we provide the following response: Mr*** should be advised, that our review did not find any error in the application of his paymentsBecause his account uses actuarial interest the amount of each payment to be applied to principal and interest is scheduled in an amortizationThis means that the amount of interest applied to the account is the amount scheduled for that payment regardless of when the payment is received and or appliedOnly additional principal payments will change the amount of principal and interest that is applied from each payment received for the accountTherefore, because monthly payment changes are made going forward and per The Real Estate Settlement Procedures Act (RESPA) guidelines the escrow account balances must be refunded directly to the customer, the additional payment amounts were applied to escrow and subsequently refunded to Mr*** on March 17, The amount refunded from escrow was never applied to the account's principal balance and did not have an effect on the amount of principal and interest applied with the monthly payments; therefore, the payments already applied to the account do not require correctionIf *** *** 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 ***

RE: Case# ***, *** ***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 *** *** 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 respect.Records reflect the same/similar complaint was filed with the Department of Savings & Mortgage Lending and a response was provided to them on May 16, The response has not changed and a copy is enclosed for your reference.If you have any further questions or concerns, please contact ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT*** ** *** ***