Ditech Financial, LLC

Thank you for the opportunity to respond to the complaint filed by *** *** received on May 18, 2016, regarding her account with Ditech Financial LLC ("Ditech").Ditech recognizes the importance of our customer's privacy and protecting their personal informationWe apologize *** ***
received correspondence at her mailing address that was addressed to someone else, which provided another customer's informationAlthough the correspondence was incorrectly sent to *** ***'s address, it was not specifically address to her; therefore, it should not have been opened but returned back to the post office.To prevent unauthorized use of account information, Ditech has implemented improved security requirements in order to obtain information via the phone or on our websiteWhen calling Customer Service the caller will need to provide identifiable information only the borrower, co-borrower or authorized third party would know such as social security number, phone number, mailing address and property addressOur employees are trained on customer confidentiality and privacyTo help protect loan information via our website, we confirm their identity with confidential access codes before we ever allow access to the online accountIn addition, Ditech's computer systems do not connect directly to the InternetAny and all online application data must pass through our secure server.Please note the information that may have been provided to another party would have been *** ***'s name and Ditech account numberBased on our security requirements, a third party would not be able to obtain her account informationWe apologize for the error and the inconvenience this causedHowever, we are not able to comply with *** ***'s request to change her Ditech account numberAccount numbers are system generated and can not be changed unless the loan is refinanced.If *** *** has any further questions, she should contact her account representative Chad Lat ###-###-####, extension ***, or Kenneth Kat 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,

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (“Ditech”). Records indicate we received Mr***’s documents on March 9, 2016, March 22, 2016, and March 28, A denial letter was mailed to Mr
*** dated March 30, 2016; however, this letter contained the incorrect cancel reason of, ‘After initially asking to be considered for a DIL you withdrew the request.’ Mr*** should disregard this letterOur records do not indicate that Mr*** withdrew his requestMr*** is not eligible for the DIL because of the value of the property compared to the current payoff of the homeCurrently there is too much equity in the homeTherefore, the letter should have stated, ‘Your property value does not meet the program requirements’Mr*** should be aware that a Deed in Lieu of Foreclosure, or requests for assistance cannot be negotiated by mailPursuant to Mr***’s reqeust, the account has been noted to cease all outbound telephone communication; therefore, we are not able to contact Mr***As advised in our previous response dated February 22, 2016, under Case# ***, Mr*** will need to contact his account representative Astin Rat ###-###-####, extension *** or Rashanna Mat extension *** for further assistance regarding the Deed in Lieu of ForeclosureOur 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, Jared *** Customer Service Correspondence Supervisor

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)Please find enclosed a copy of the Private Mortgage Insurance Disclosure that Mrs*** signedAccording to this disclosure, a request to cancel PMI could
be made on the date the principal balance of the loan is first scheduled to reach 80% of the original value of the property, or the date the principal balance actually reaches 80% of the original value of the propertyAlso enclosed is a copy of the notification that was mailed to Mrs*** dated August 26, According to this letter, as of August 26, 2016, the percentage based on the original value of the property was 73.54%The letter also outlined the conditions in order to cancel the PMIThe disclosure and letter also advised if the payments are current, PMI will automatically terminate on the date on which the principal balance of the loan, based solely on the amortization schedule for the mortgage, is first scheduled to reach 78% of the original value of the property securing the mortgageAccording to the Private Mortgage Insurance Disclosure the automatic termination date for Mrs***'s loan is July 1, Please note, we are unable to remove the PMI prior to July without evidence that the value of the property securing the mortgage has not declined below the original value of the propertyIf Mrs*** has any further questions, she may contact her account representatives Zena Dat ###-###-####, 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 *** *** Jrregarding his account with Ditech Financial LLC (Ditech).Records indicate that we sent a letter on 3/26/16, to advise Mr*** Jrthat we had not received proof of insuranceOn 3/28/16, Mr*** Jrcontacted
us to see if we had disbursed the insurance payment and advised he would contact his insurance agent to send us proof of insuranceWe received proof of insurance from Texas Fair Plan on 4/6/At that time, we contacted Texas Fair Plan was advised the policy was renewing for 3/19/to 3/19/if the payment of $was received by 4/8/Therefore, a disbursement was sent to Texas Fair Plan on 4/7/16, which was delivered on 4/11/16.On 5/23/16, Mr*** Jrcontacted us and advised he received a refund from Texas Fair PlanAt this time we contacted Texas Fair Plan and they advised since they did not receive the payment until 4/13/16, the policy was canceled.On 5/27/16, we received an additional insurance policy with the amount due of $Therefore, on 6/ 1/16, an overnight payment of $was sent to Texas Fair Plan with a tracking number of ***.Records indicate that we did not receive the required insurance information needed in order to make a disbursement before the insurance policy was canceledTherefore, Mr*** Jr.'s request for a refund of $is denied.If Mr*** Jrhas any further questions, he should contact his account representative Sandra Cat ###-###-####, extension ***, or Ernest Dat 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:
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?

Thank you for the opportunity to respond to the complaint filed by *** *** regarding an account with Ditech Financial LLC (Ditech)We would like to apologize for any dissatisfaction Ms*** 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 has been notified of Ms***'s concerns, which will be addressed with the specific associate and resolvedAccording to our policy, if an Insurance Agent is able to verify the customer's account number, insurance policy number and property address, we are able to advise them if we have received proof of insurance and confirm if or when a policy will be paidUnfortunately, since Ms*** did not provide the customer's account number in her complaint, we are unable to locate an account in order to provide her with the information she is requestingHowever, she may contact our Customer Service Department at ###-###-#### to obtain this informationAgain, we apologize for any inconvenience or dissatisfaction this matter may have causedIf Ms*** has any further questions, she may contact our Customer Service Department 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)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 ***

Mr***, may be advised that the payment of $528.52, received on January 31, 2017, was not reversed from the account and we have no records of this amount being returned from his bankAs stated in our previous response, the payment of $340.69, which was received on December 31, 2016, for which we received notice of stopped payment for, was not reversed from the account until February 1, The stop payment required us to reverse funds of $from the account and refund the amount of $to the Mr***'s bankThe amount of $was taken from the January 31, payment to reimburse the bank for the stop payment of the funds remitted on December 31, 2016, and the remaining balance of funds, in the amount of $187.83, from the January 31, payment were placed in unapplied funds (UAF)When the subsequent payment of $was received on February 11, The payment was placed in UAF and combined with the UAF balance to credit the amount of $to the account on February 11, $payment received on January 31, - $reversed December 31, payment, refunded to Mr***'s bank = $balance of payment received on January 31, 2017, placed in UAF $payment received on February 11, + $balance of UAF = $amount applied on February 11, If Mr*** has any further questions, he may contact his account representatives, Paul Wat ###-###-####, extension ***, or Kelli Lat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

May 10, *** *** 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. Your account utilizes an actuarial method to calculate how payments are applied to principal and interest. Actuarial interest is a very common type of interest for many accountsThis interest is based on a 360-day year with twelve 30-day monthsWith actuarial interest, no matter when we receive the payment, days of interest will be taken out of that paymentIf we receive the payment days late, there will still be days of interest taken out of the paymentIf you pay ahead by a month, there will still be days of interest taken out of the paymentThe payment that was posted on April 27, 2016, with a backdated of April 5, 2016, did not incur any extra interest as there was just days of interest taken out of the April 1, payment. For your convenience, we have included a payoff of good through May 25, We 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/35/ cc: *** *** *** *** *** Columbus, OH *** ** *** ***

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).Ditech submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) on July 7, 2016, to reflect
account status of paid in full for less than the full balance, closed with a zero balanceThe individual credit reporting agencies may take up to 3-business days to update their systemsPlease keep this letter for verification of the changeWe apologize any dissatisfaction this issue caused.If *** *** has any further questions or concerns, she should contact Customer Service at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

My loan was originated with GreenTree FinancialI made what was to be my last payment years ago in AugustI believe it was yearsThey had then switched over to DitechThey said still owed them 2,As I called and told them I wanted the title to my houseThey refuse to send it to meI also stated that I did not owe them any moneyAs the one year I fell behind back in I was double paying them for years & got caught upIt was a 15,mobile home loanI paid in with interest over 30,dollarsI bought the home in I owe them nothingYet they refuse to send me my titleI am disabled & I have my year old mother here whom I take care of with my disability We are on fixed incomesI have requested several times in a written letter & by phone to close this account & send me my titleThey refuse

Initial Business Response /* (1000, 13, 2015/09/29) */
September 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 Ditech Financial LLC ("Ditech")
We would like to apologize that the service Ms*** received was not to her satisfactionThe servicing of Ms***'s account was transferred from *** Loan Servicing, LLC to Ditech effective June 16, As we did not receive the required proof of insurance, a notice was mailed to Ms*** requesting evidence of insurance for the renewal termOn August 28, 2015, we obtained the master policy for hazard and wind coverageIn addition, we received the flood insurance information, policy number ***, which is in effect until March 31, The account remains non-escrowed and no lender placed insurance policies were purchased
We sincerely appreciate the opportunity to evaluate Ms***'s situation
If Ms*** has any further questions, she should contact her account representative Matthew Nat (800) ***, extension ***, or Lamont Y.at extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (844)***, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT
Sincerely,
Vanessa ***
Customer Service Correspondence Supervisor
/jcn/61/
cc: Debbie ***; *** FtLauderdale, FL

RE: Case#***, *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech).The servicing of the above account was transferred from Bank of America, NAto Ditech effective April 1,
There were no changes to the account terms or conditions as a result of the servicing transferWe make this response, in part, based upon Bank of America, NArecordsPlease be aware we did not originate nor do we own the account; we merely service it for a third party and can provide information from the servicing transfer date forward.Account records indicate that when Mr***'s account transferred from Bank of America, N.Ato Ditech the principal balance was $95,This amount is also the principal balance indicated on the enclosed payment history and welcome letter sent to him on March 21, An in depth review of the account has been completed and we have determined that, with the information available to us, the principal balance at the time of transfer was $95,and the current principal balance is $71,The monthly payment for the account is $1,This is broken down into a payment of $for principal and interest and a payment of $for escrow.Mr*** should be advised that the loan utilizes actuarial interestActuarial interest is a very common type of interest for many loansThis interest is based on a 360-day year with twelve day monthsJust like simple interest, interest is charged every day that the customer is using the investor of the loan's money, however, with actuarial interest, no matter when we receive the payment, days of interest will be taken out of that paymentIf we receive the payment days late, there will still be days of interest taken out of that payment, however if the customer pays ahead by a month, even though there has been no interest earned for the future month, we will take days of interest out of the payment.The amount of actuarial interest to be charged for the next monthly payment may be calculated using the account's principal balance after the last payment was applied to the accountIf a principal payment ismade with the regular payment, it will be applied prior to the monthly payment and an adjustment to the interest charged made to the accountAn example of these type of adjustments is indicated on theenclosed payment history as ADJ- ADJ AdjustmentADJ-ADJ Adjustments indicate the amount credited the account due to the change in interest charged after the principal reduction is appliedUsing the current principal balance of $71,678.11, Mr***'s next payment will be applied to the account using the following calculations.Current Principal Balance $71,678.11Interest Rate 5.625%Regular Payment Amount (not including escrow): $828.95Multiply the current principal balance times the customers interest rateThis equals the customers yearly interest amount at this principal balanceWhen this principal balance is reduced, the amount being calculated as yearly interest is reduced also.$71,x $4,031.89Divide the yearly interest amount by (months) which will be the amount of the payment received that will be applied towards the interest.$ 4,/ $336.00Subtract the amount of interest to be collected from the payment receivedThis will be the amount of the payment to be applied towards the current principal amount$- $$492.95By subtracting the amount of principal from the current principal balance, you will get a new current principal amount which will be used the next time a payment is received.$71,- $$71,185.16For Mr***'s convenience, enclosed with this letter is a payment history, a copy of the welcome letter, a payment breakdown of the last six payments applied to the account and copies of the billing statements for these months.If Mr*** has any further questions, they should contact their account representative Noel Fat ###-###-####, extension ***, or Christopher M at 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 ***Customer Service Correspondence Supervisorcc: *** ***, *** * *** *** ***, TUCSON, AZ ***

Initial Business Response /* (1000, 15, 2015/10/02) */
October 2,
***
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 ***' account with Ditech Financial LLC ("Ditech")
Ditech'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 respectCollection communications are placed solely for the purpose of determining payment intentions when a customer fails to pay as agreedCollection activity may continue until the account is brought current, regardless of payment arrangements being madeIf a customer cannot be located, attempts may be made to contact a third party to determine the location of the customerOur collectors are trained and monitored to ensure adherence to all applicable collection laws and regulations, both state and federal
According to the terms outlined in the loan agreement and/or the Mortgage/Deed of Trust or other security agreement ("Security Agreement") that secures the loan agreement for the above-referenced account, Ditech may pay necessary expenses, including fees and/or interest in order to protect its security interest in the propertyDitech may then seek reimbursement from the account holderUnless arrangements are made, failure to pay the expenses and to reimburse Ditech may constitute a continuing default under the terms of the Security AgreementWe have enclosed a copy of the Security Agreement for your reference
On August 05, 2015, Ms*** was advised that legal fees in the amount of $were assessed to the account and placed as corporate advances in connection with foreclosure proceedings initiated in July However, additional legal fees in the amount of $had not yet been assessed to the account
A corporate advance in the amount of $was assessed to the account on August 19, This advance was an attorney fee incurred as a result of the foreclosure proceedings that had been previously initiatedSince the fee was not assessed until August 19, 2015, Ms*** was not made aware of the additional fees when she spoke with Ditech via telephone on August 05, We have determined the fees are valid and will not be removed
Ditech has divided the balance of this expense into ten scheduled monthly payments that will coincide with the regular monthly paymentThe first payment is scheduled to begin on 10/15/in the amount of $Effective October 15, 2015, the regular monthly payment due will be $
If Ms*** has any further questions, she should contact the account representative Torshan Wat
(800) ***, extension ***, or Maurice Gat 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,
Nikki ***
Customer Service Correspondence Supervisor
/slb/32/
cc: ***, ***, Greensboro, AL
Initial Consumer Rebuttal /* (3000, 17, 2015/10/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Due to fact that I was not made aware of the additional fees; but was also told by a Supervisor of Green Tree (Craig), once I paid the $that would bring the account currentI specifically ask him if there would be more fees added to the account? I was assured by taking care of the initial fee of $that would stop all proceedings and no other fees would be added
Not being made aware of the additional fees; and those fees were added later without my knowledge, is what consider being deceived by Green Tree
If my phone carrier can make available the conservation between me and the Supervisor,(Craig)I will pass it ow
Final Business Response /* (4000, 19, 2015/10/15) */
October 15,
***
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 ***' account with Ditech Financial LLC ("Ditech")
On August 05, 2015, Ms*** was advised that legal fees in the amount of $were assessed to the account and placed as corporate advances in connection with foreclosure proceedings initiated in July However, additional legal fees in the amount of $had not yet been assessed to the accountThe fees were not assessed until August 19, Therefore, when Ms*** spoke with a Customer Service Representative on August 05, 2015, she was not made aware of the additional charges because the charges had not yet been entered into our systemWe apologize for any misunderstanding this may have caused Ms***However, we have determined the fees are valid and will not be removed
It has been determined that the fees were accurately assessed to the accountAccording to the terms outlined in the loan agreement and/or the Mortgage/Deed of Trust or other security agreement ("Security Agreement") that secures the loan agreement for the above-referenced account, Ditech may pay necessary expenses, including fees and/or interest in order to protect its security interest in the propertyDitech may then seek reimbursement from the account holderUnless arrangements are made, failure to pay the expenses and to reimburse Ditech may constitute a continuing default under the terms of the Security AgreementA copy of the Security Agreement was previously provided in our response dated October 02,
Ditech has divided the balance of the legal expense into ten scheduled monthly payments that will coincide with the regular monthly paymentThe first payment is scheduled to begin on 10/15/in the amount of $
Pursuant to the terms of insurance requirements on the contract, for as long as the property is financed, it must be insuredWhen no proof of insurance coverage is received, or required coverage is not included on the voluntary insurance policy; a lender placed policy is added to the accountA lender placed insurance policy with effective dates of October 02, to October 02, has been added to the accountThe cost of the policy was added and repayment for the insurance is scheduled over a period of monthsThe billing is $for months beginning with the November 01, paymentYou have the option of paying the insurance in full or as billedTo remove the lenders placed policy; your insurance agent must provide proof of insurance for the dates indicatedThe proof of insurance can be faxed to (800) 223-
As of the date of this letter, the account is past due for $for the October 01, advance payment and is next due for the November 01, payment in the amount of $For your convenience, you may also check your account balance at www.ditech.comYour online account will reflect the current amount due regardless of when a statement is generated
If Ms*** has any further questions, she should contact the account representative Torshan Wat
(800) ***, extension ***, or Maurice Gat 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,
Shea ***
Customer Service Correspondence Supervisor
/slb/45/
cc: ***, ***, Greensboro, AL

Initial Business Response /* (1000, 5, 2015/08/11) */
August 11,
***
Revdex.com OF MINNESOTA AND NORTH DAKOTA
S RIVER RIDGE CIR
BURNSVILLE MN
***, *** ***
Dear ***:
Thank you
for the opportunity to respond to the complaint filed by Ms*** regarding her account with Green Tree Servicing LLC ("Green Tree")Let me assure you we take these matters very seriously
We understand Ms***'s concernsPlease be assured the correspondence was reviewed with the appropriate department management and the following response is provided
After a review of the account it was found that Ms*** had reaffirmed her bankruptcy filing prior to when Green Tree acquired the servicing of her accountAs a result, an Automated Universal Data form (AUD) was sent on August 11, to the four major credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) to update the account informationThe account was reported as open and current from September through July Once the information is received, it may take to business days for the credit reporting agencies to update their records
We apologize for any dissatisfaction this matter may have causedIf Ms*** has additional account questions, she can contact Account Representative, Julie R., at (800) *** extension *** or our Customer Service Department at (800) ***, Monday - Friday AM to PM, and Saturday AM to PM CT
Sincerely,
Nikki ***
Customer Service Correspondence Supervisor
/rgf/
cc: *** ***, ***, Canton, SD,
Initial Consumer Rebuttal /* (2000, 7, 2015/08/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech).Mr***'s account was noted on January 6, 2016, to ensure that any additional payments received over the current amount due will be applied to the principal
balanceTherefore, when partial payments or additional funds are received, they are automatically placed in unapplied fundsAdditional funds are then manually taken out of unapplied funds and applied to the principal balanceThis is why there is a delay in additional funds showing posted to principal on Mr***'s account.Mr*** has an Actuarial Interest accountActuarial Interest is calculated in thirty day increments on this type of account, regardless of when the payment is receivedIf customers make their payment two or three days before the due date, they will still be charged days of interestIf the customer makes theirpayment a couple of days after the due date, they will still only be charged for days of interest for that paymentBe assured, the delay in posting the additional principal payments does not cause additional interest to be charged.If Mr*** has any further questions, he should contact his 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.mCT, and Saturday 7:a.mto 1:p.mCT

Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).We apologize for the dissatisfaction *** *** encounteredReview of her concern determined Ditech did pay an additional $
to Solano County for taxes on April 27, A tax refund of $was posted to the account on June 22, 2016, and we are currently in the process of issuing a reimbursement check back to *** *** for this amount onlyHer request for interest to be paid on the refund is deniedShe can expect to receive the check in the next to business days.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

June 20, *** *** 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 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. We regret any dissatisfaction Mr*** may have encounteredOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementIt is our policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat all parties with respectOur representatives are trained and monitored to ensure adherence to all applicable collection laws and regulations, both state and federalPlease be assured the responsible department management has investigated and addressed your concerns, which will be addressed with the specific associate(s). Please note, payments that are received in amounts different from the payment due are placed in unapplied funds (“UAF”)If sufficient funds are available to apply a full payment, funds are applied to the next monthly payment due and any outstanding amounts such as finance charges, returned payment fees, late fees, escrow due, and acquired accrued interest, prior to the application of funds to the principal balanceThis form of payment posting is determined by the Mortgage contract and the servicing protocols of the account Records indicate that when the funds referenced by Mr*** were received the account was not due for a monthly paymentThis caused the payment to be systematically applied to the principal balance, per the above referenced payment hierarchyUnfortunately, the payment reallocations were delayed due to a recent internal system upgradeThe requested reallocation of funds applied to principal was completed on June 6, We apologize for any inconvenience the delay may have causedPlease note, no fees or negative credit reporting occurred as a result of this matter As of the date of this letter, the account is current and next due for the August 1, 2016, contractual payment due date 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 ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT. Sincerely, Nikki *** Customer Service Correspondence Supervisor /asw/48/ cc: *** *** *** * *** *** *** *** Los Angeles, CA

Initial Business Response /* (1000, 5, 2015/05/21) */
May 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 her account with Green Tree Servicing LLC ("Green Tree")
We understand Ms***'s concerns and regret any dissatisfaction this matter causedMs***'s correspondence has been reviewed with the appropriate department management and the following response is provided
Due to delinquent taxes, escrow was forced on the account pursuant to our servicing agreement with Fannie Mae, the owner of the loanThe delinquent taxes, in the amount of $542.90, were paid to *** on November 26, The enclosed escrow analysis, which was processed on December 5, 2014, provides information regarding the calculation of the monthly escrow payment that was effective with the February 1, payment
Upon further review of Ms***'s concerns, Green Tree has confirmed that $was credited to the account on April 29, as Ms*** advisedAlso, we have verified with the tax office that the exemption Ms*** referenced in her correspondence was for the taxes and the taxes were due in the amount of $
At this time, Green Tree has agreed to remove escrow from the account for taxesA copy of our correspondence dated May 18, approving the removal of escrow for taxes is enclosedAlso, a final analysis has been processed and is being sent under separate cover along with a surplus check for $
Going forward, Ms*** will need to review the exemption requirement with the county to determine if she must reapply each year to get this creditAlso, if the taxes become delinquent again, escrow will be force placed for the remainder of the loan
Please also be advised that funds received are automatically applied to the oldest amount(s) due, then to current amounts dueAlso, full amounts due must be received in order to credit funds to the accountWhile payments fell behind as Ms*** was only remitting the regular home payment amount, please be assured no derogatory information has been reported to the credit bureau as a result of this matterAlso, Green Tree has not assessed any late fees to the account to date; however, there is an outstanding late fee balance of $from the prior servicer
Currently, the account is reflecting $due for the May 1, paymentThe amount of $is being held in suspense, which is $short of the amount dueMs*** may cash the escrow surplus check, in the amount of $once received and submit those funds back to Green Tree in order to satisfy the May 1, paymentThe acquired late fee balance of $is also due
If Ms*** has any further questions regarding the account, she may contact her Account Representative *** at (800) ***, extension ***, or *** at 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,
***
Customer Service Correspondence Supervisor
/bkw/46/
cc: ***,***, Cedar Hill, TX 75106-

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** ***, received on June 20, 2016, regarding her account with Ditech Financial LLC (Ditech) We understand Ms***’s concernsPlease be assured that hers correspondence has been reviewed with the appropriate department management and the following response is provided. As previously indicated, the servicing of the above account was transferred from Residential Credit Solutions, Incto Ditech effective March 1, The servicing transfer does not affect the account terms and conditions, other than those related to the servicing of the accountWe make this response, in part, based upon Residential Credit Solutions, IncrecordsPlease be aware we did not originate nor do we own the account; we merely service it for a third party and can provide information from the servicing transfer date forwardRecords indicate that the principal balance of the loan at the time of origination was $236,When the servicing of the account transferred to Ditech the principal balance was $242,943,Pursuant to Ms***’s request, we have reviewed the payment application and the subsequent payment reallcoations completed and have confirmed that the amounts are correctPlease review the enclosed copy of the Adjustable Rate Note, signed on July 17, In paragraph 4, subsection E, the contract outlines the possibility of negative amortization, which may result when a payment received is less than the amount of interest earned on the principal balance during the initial interest periodSection E states “the Note Holder will subtract the amount of the monthly payment from the amount of interest that accrues on the principal balance of the loan for that month and add the difference to the principal balance of the loan and interest will accrue on the difference in the at the initial stated rate.” This negative amortization is responsible for the increases in principal balance, referenced in Ms***’s correspondenceThe negative amortization described above has increased the principal balance of the loan, since inception, to $270,We have also enclosed a copy of the account’s payment history for Ms***’s reviewIf Ms*** is experiencing a hardship we may have programs available to assist her, however, the account must meet predetermined criteriaShe may contact her account representative listed below to discuss options that may be available for her accountIf Ms*** has any further questions, she should contact her account representative Fredrick Bat ###-###-####, extension ***, or Andrew 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.mCTSincerely, Kristina *** Customer Service Correspondence Supervisor