Ditech Financial, LLC

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-

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech).Please be advised that a Ditech Representative contacted and spoke with Mr*** today, July 12, 2016, and Mr*** advised that he received the escrow refund check last week.We again apologize for any dissatisfaction this matter has caused Mr***If Mr*** has any further questions, he may contact our Customer Service Department at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

Initial Business Response /* (1000, 7, 2015/08/10) */
***Document Attached***
***
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")
The collection contacts were investigated and addressed with the specific associates and resolvedOur collectors are trained and monitored to ensure adherence to all applicable collection laws and regulations, both state and federalIn addition, they should be courtesy, professional and treat our customer's with respectWe apologize Ms*** felt as if her concern was not handled appropriately
Records reflect we previous sent a response to the Revdex.com on April 24, 2015, copy enclosedAt that time, Ms*** was to pay an additional amount with her regular monthly payment to bring the account currentAdditional funds have not been received and the account remains in a delinquent statusMs*** spoke with the account representative Tychelle Yon June 26, and was informed that if she made a payment in July that in August we could review the account for a deferral to bring the account currentA payment was received on July 21, Ms*** can contact Tychelle Yat (800) ***, extension *** to discuss the deferral process
We apologize for any dissatisfaction this matter may have causedIf Ms*** has additional account questions, she can contact Green Tree at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT
Sincerely,
Nikki ***
Customer Service Correspondence Supervisor
/kas/
cc: ***, ***., Dallas, TX
Initial Consumer Rebuttal /* (3000, 9, 2015/08/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was told by Tychelle; representative that if I made two payments in the month of July 2015, that she would get me a two month deferral and bring my account currentAt this time I have been lied to and Greeentree Servicing is a very dishonest and unethical companyTheir employees are rude, angry, and discourteousI am very dissatisfied with this company and the public should know about the "very bad" service Greentree provides to their customersI have not been accommodated as of yet for the horrible service I have received from Greentree Servicing
Final Business Response /* (4000, 11, 2015/08/21) */
August 21,
***
Revdex.com OF MINNESOTA AND NORTH DAKOTA
S RIVER RIDGE CIR
BURNSVILLE MN
RE: Case # ***, *** ***
Dear ***,
Thank you for the opportunity to respond to the complaint rebuttal filed by *** *** regarding her account with Green Tree Servicing LLC ("Green Tree")
We are dedicated to assisting our customers in resolving account delinquencyHowever, we did not guarantee that Ms*** would be approved for a deferral only that we would review her requestThe request was reviewed and it was denied on August 13, because her debt-to-income ratio is over 100%
On August 5, 2015, we sent Ms*** a Home Affordable Modification Program ("HAMP") solicitation packageOnce the package was completed and returned, we would review the information received to determine if she was eligible for the programMs*** has refused to complete and return the required documents we need to complete our review for mortgage payment assistanceEnclosed is a copy of the solicitation package that was mailed to herIf she would like us to review options that may be available to bring the account current, we will need to her to cooperate with us and provide us with the required documents per the program guidelinesShe can contact her account representative, Tychelle Yat (800) ***, extension *** with any additional questions regarding available options
We apologize for any dissatisfaction this matter may have causedIf Ms*** has additional account questions, he can contact Green Tree at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT
Sincerely,
Nikki ***
Customer Service Correspondence Supervisor
/kas/
cc: ***, ***., Dallas, TX

We apologize for any dissatisfaction this matter has caused Mr***Our records indicate that we received Mr***'s original dispute on October 09, A response was sent to Mr*** on November 08, Unfortunately, the dispute was not forwarded to the appropriate department for review at that timeWe have reviewed his dispute of the Broker Price Opinion (BPO) completed on July 05, It was determined that the original estimated value reflected within the BPO of $133,was inaccurateA new BPO was completed on February 21, and determined the estimated value of the property to be $192,000.00, which qualified the account for cancellation of the Private Mortgage Insurance ("PMI")The effective date of the PMI cancellation will be October 09, 2017, which is the date we received Mr***'s original dispute of the BPO value in writingWe are unable to comply with Mr***'s request to refund him PMI payments; however, any refund owed to Mr*** from October 09, through February 23, will be sent to him directly

Initial Business Response /* (1000, 10, 2016/02/15) */
February 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 his account with Ditech Financial LLC ("Ditech")
Please be advised, it is the customer's responsibility to pay the Homeowner's Association duesHowever, on July 2, 2015, we did advise *** that we would review the request for us to pay the delinquent dues via the escrow accountOur review determined Minnesota is a Super Lien state; therefore, the Homeowner's Association sale would be subject to our lienAs such, we did not pay the delinquent dues on ***' behalf and he was advised of our decisionIn addition, the foreclosure by the Homeowner's Association was filed against ***, not Ditech, so we were not required to have an answer filed with the courts because a suit was not filed
According to the Notice of Assessment Line Foreclosure Sale, the sale would occur on July 31, However, *** was allowed a six (6) month redemption periodIf the dues were not paid or the property redeemed, the property needed to be vacated on or before January 21,
As of today, we have not initiated foreclosureBecause our lien is superior to the Homeowner's Association lien, the mortgage foreclosure will wipe out their lien, but the delinquent dues will remainThe Homeowner's Association may continue to try to collect the delinquent dues through other methods
The requests for compensation, to be paid equity and/or to bring the account current have been deniedIn addition, records reflect a Chapter bankruptcy was filed and discharged before the transfer of servicing to DitechBecause of this, we have not reported account information to the credit reporting agencies
Ditech may monitor or record telephone communications for quality purposesThis information is considered proprietary and is not released to the publicProprietary information may only be released as demanded by a court subpoena
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,
Nikki ***
Customer Service Correspondence Supervisor
/kas/33/
cc: ***, ***, ***, Minneapolis, MN
Initial Consumer Rebuttal /* (3000, 12, 2016/02/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There were over conversations with Ditech representative stating that they would pay the home owner associations dues with the mortgageJust before the foreclosure date Ditech representative communicated that they would take care of it, and not to worryI was assured that they would take care of itThey lied and the house was foreclosed onDitech admitted that the representative communicated this and they are not responsibleI disagree with Ditech about not being responsibleThey have associates representing the company and agreeing to do things on the company behalf
Ditech has refused to send the recorded conversation, and they have lied about when they would send themDitech is a malice and a lying organization, and they should be held accountable
Final Business Response /* (4000, 14, 2016/03/02) */
March 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 his account with Ditech Financial LLC ("Ditech")
We deny ***' allegations mentioned in the complaintRecords do not reflect that we agreed to pay the Homeowner's Association Dues (HOA)As indicated in our previous response, we did agree to review the request to pay the delinquent dues on his behalf; however, the request was deniedWe apologize for any dissatisfaction he encountered as a result of our decisionHowever, we stand by our previous response and the HOA dues will not be paid by Ditech
Ditech may monitor or record telephone communications for quality purposes, this information is considered proprietary and is not released to the publicProprietary information may only be released as demanded by a court subpoena
If you have any further questions or concerns, please do not hesitate to contact our Asset Receivables Management Department at (877) ***, Monday - Thursday, 6:a.mto 7:p.mMT, and Friday 6:a.mto 12:p.mMT
Sincerely,
Nikki ***
Customer Service Correspondence Supervisor
/kas/50/
cc: ***, ***, ***, Minneapolis, MN

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC ("Ditech")
We would like to apologize for any dissatisfaction Ms*** has encountered in dealing with our associatesOur mission is to provide exceptional
levels of servicing and we continuously strive to recognize opportunities for improvement
Records indicate $was inadvertently applied to Ms***'s escrow account on July 8, 2015, which caused the monthly escrow payment to be paid aheadDue to this matter, the account was only showing due $1,for the August 1, monthly home and escrow paymentTherefore, Ms*** authorized a payment by phone for this amount on July 22,
On November 30, 2015, it was found that the $previously applied to the escrow account on July 8, 2015, was applied in error and it was removed, which made the monthly escrow payment short by $Due to this matter, each of Ms***'s payments received from December 2015, to March were showing $short
However, on March 18, 2016, we adjusted the escrow payment to remove the $short paymentTherefore, Ms***'s account is next due for the April 1, monthly home and escrow payment of $1,Ms*** should be aware that this adjustment may potentially create a shortage in the escrow account
If Ms*** has any further questions, she should contact her account representative Amy 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.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 their account with Ditech Financial LLC (Ditech).In response to the inquiry received June 2, it has been determined that the loan was considered for
modification on January 28, 2016, and a decline letter was issued on the same dayThe decline letter communicated that there was sufficient income to support the current mortgage paymentDitech does acknowledge additional correspondenceCorrespondence was sent on March 2, advising that the income remained sufficientOn February 26, paystubs were provided for *** E*** and Monico ***With those documents, we validated the gross monthly income at $8,On the January 28, decline letter we advised that the gross monthly income was calculated at $8,671.28, therefore there was no significant change in the gross monthly income, and the modification decline stands.At this time we do not have an open loss mitigation workout for this loanIf the gross monthly income has significantly decreased, the account may be eligible for a modification reviewIf this is the case, please submit the following information:Uniform Borrower Assistance FormUpdated list of expensesPaystubs covering a day pay cyclemonths current bank statements listing all income depositsComplete executed IRS Form 4506-T; ALL sections must be completedIRS Form tax returns signed and dated (all schedules)Homeowner association statement with amount paid and frequency, if applicableSigned and dated Hardship LetterInformation must be no more than calendar days old at time of submissionThe required information may be faxed to ###-###-#### or mailed:DitechAttn: Loss Mitigation T*** *** *** *** Tempe, AZ 85283If *** *** has any further questions, they should contact their account representative Camry Rat ###-###-####, extension ***, or Danae Wat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Jared *** DitechCustomer Service

*** *** *** ***
*** *** ***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.On July 25, 2016, a review of the credit reporting for Mr***'s account confirmed that the current reporting is: Closed days past due, Paid in Full for less than the full balance as of June 29, 2012, with a date of first delinquency of March 1, The first date of delinquency is the date used by the credit reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act (FCRA)Negative account information may remain on a credit report for a minimum of years from the date of first delinquencyPlease note that it is the responsibility of the credit reporting agencies to monitor the trade lines listed on a credit report for removal of information.Ditech is required to report the true and correct account statuses to the credit bureausThe credit reporting for the account was first adjusted to the above referenced status of paid in full for less than the full balance on August 28, The credit reporting was then again reviewed, pursuant to requests made by Mr.*** on: October 11, 2012, February 25, 2013, March 12, 2013, June 24, 2016, and July 5, Mr*** should refer to the attached short sale approval letter, which states on the second page, "After we receive your settlement amount, we will consider your loan paid in fullWe will report your loan to the major consumer reporting agencies as "account paid in full for less than the full balance." In addition, we are required by law to report the amount of the debt that is forgiven to the Internal Revenue Service (IRS)."We have not received any supporting documentation to support Mr***'s dispute of the information provided, and our position has not changedDitech does not change credit reporting as a courtesy or to facilitate restoration of credit rating.If Mr*** has any further questions, our Customer Service Department is available to answer any questions or concerns and can be reached at (800) 643-0202, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea ***Customer Service Correspondence Supervisorcc: *** ***, PO BOX 213061, ROYAL PALM BEACH, FL ASWJofAAoYD

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)Mr***'s request to cancel escrow was forwarded to our Escrow Department for reviewThey denied his request on November 22, Enclosed is a copy of
the Notice of Denial of Cancellation/Termination of Private Mortgage Insurance that was sent on November 22, for referenceAfter careful review of the account and documentation provided by Mr*** in regard to the dispute, Ditech has determined that all of the information provided by was taken into account during the initial review for cancellation of the Private Mortgage Insurance (PMI)In order to dispute the appraiser's value of the property, Mr*** will need to provide additional comparablesPlease note that the comparables must be of additional sales that they would like taken into consideration, not based on the estimated purchase price provided by a company or real estate agentIf Mr*** has any further questions, he may contact his account representatives Esther Dat ###-###-####, extension ***, or Bonny 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 am rejecting this response because:
As of October 19, 2017, my Equifax credit report still shows Ditech's tradeline. Please see attached file. Therefore, Ditech's letter dated October 20, is inaccurate and they are still out of compliance. I am also attaching Ditech's letter dated June 20, stating they had sent letters to the major credit reporting agencies to delete the Ditech account information

Initial Business Response /* (1000, 10, 2015/08/13) */
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
The servicing of the referenced account was transferred from Bank of America, National Association (BANA) to Green Tree effective April 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 BANA recordsPlease note that the sale and transfer of servicing rights between financial institutions is a common occurrence in today's lending industryThese acquisitions do not require the permission of the debtorThere is no option at this time to transfer the servicing of the account
According to the terms of Mr***'s contractual agreement, the monthly payment is due on the 1stIf the payment is not received on or before the due date it is considered late and is subject to collection callsIf the payment has not been received by the 17th of the month, a late fee may be assessed to the account
The payments are applied 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 due within days after the payment was receivedHowever, if the funds are not sufficient to pay the amount billed, they will remain in UAF until another payment is received
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
The monthly billing statement is processed approximately to weeks prior to the next due dateEach statement includes only the activity of the account from the last statement date to the next statement date and indicates the amount due as of the date it is processedAfter the statement is processed and mailed, a copy is available on our website, https://www.greentreeservicing.com/
A statement is not required to make a paymentThe payment address is Green Tree, ***, Palatine IL 60094-We request customers included their account number on any payment they remit
In response to Mr***'s complaint, we requested his statement date to be moved to the earliest date that accounts due on the 1st of each month are processedThe change will be effective beginning in September
A copy of the payment history is enclosedIf Mr*** believes a payment was made but not applied to the account and wishes us to research the missing payment, we will require proof of the paymentProof of a payment includes one or more of the following: the front and back copy of the money order or check, an un-altered copy of your bank statement for the period the check was processed or receipts for Western Union, Money Gram, etcWe request he send any additional information to Green Tree, ***, Rapid City SD 57709-or the fax number (866) ***
As of the date of this response, the account is due the following:
Month Principal Interest Escrow Amount Due
September 1,
If Mr*** has additional questions regarding these issues, he may contact the account representative, Dayle directly at (800) *** extension *** or Anita 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,
Nikki ***
Customer Service Correspondence Supervisor

Revdex.com:
I have reviewed the response made by Ditech in reference to complaint ID ***I am extremely disappointed that they were not able to notify me of this back in October of 2015, when I began the deed-in-lieu processSince it appears that there is nothing else that I can do, you may close this case.Thanks,*** ***

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)In accordance with the terms of the Home Affordable Modification Agreement, the interest rate on the account changed from 3.000% to 4.000% on October 01,
This increased the monthly payment amount from $1,to $1,332.04, effective November 01, On October 18, 2016, funds in the amount of $1,were received and applied to the account as a principal reduction payment in accordance with the payment hierarchy in place on the accountDue to the fact that the payment was short of the full amount due on the account, we were unable to reallocate the payment until additional funds were received to satisfy the full amount dueOn November 17, 2016, funds in the amount of $were received and placed in unapplied fundsAt that time, a request to reallocate those payments to the November 01, due date was madeOn December 02, 2016, the reallocation on the account was completed and the payment received on October 18, in the amount of $1,and the payment received on November 17, in the amount of $were combined and applied to the November 01, due dateThe transaction was backdated to November 17, to ensure proper credit to the accountAdditionally, funds in the amount of $1,were received on November 28, and were applied to the December 01, due datePlease note that the late fee in the amount of $44.59, charged for the November 01, due date, has been waivedAs of the date of this correspondence, the account is next due in the amount of $1,for the January 01, due dateIf Ms*** has any further questions, she may contact her account representatives Sandy Mat ###-###-####, extension ***, or Kelli Lat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

I am rejecting this response because:
There is no need to share any information publiclyI am ok with a direct response and I will update this complaint according to the what I will receiveWhat I am asking for is very straightforward

Signed form attached

RE: Case#*** , *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).We understand Ms***'s concernsPlease be assured that her correspondence has been reviewed with the
appropriate department management and the following response is provided.We regret any dissatisfaction Ms*** 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 respect.Records indicate that the referenced payoff refund check was requested to be reissued on March 9, 2016, in response to a phone call received from Ms***The refund was requested to be sent to the updated mailing address of: *** * *** *** ***, West Covina, CA 91706, provided by Ms*** on March 9, The check date was not changed because the check had not passed the day period and was still valid at that timeNo further contact occurred with Ms*** until May 17, and May 19, Pursuant to Ms***'s request the referenced payoff refund was reissued on May 24, 2016, and sent to a new address, which is the same as indicated on your correspondence of: *** * *** *** Los Angeles, CA 90033.On May 27, 2016, we contacted Ms*** to see if the refund check issued on May 24, 2016, had been receivedMs*** indicated that she had not received the refund and that the check needed to be sent to an new addressThe replacement check was issued on June 17, 2016, and mailed to a new address of: *** *** *** ** Rio Rancho NM If Ms*** has yet to receive the refund she should contact Customer Service at the number listed below for further assistance.Our Customer Service Department is available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Kristina *** Customer Servicecc: *** ***, *** *** ** *** Rio Rancho, NM ***

RE: Case#*** , *** ***Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).Unfortunately, we have been unable to locate the proof of insurance that was faxed by USAAWe apologize for any inconvenience
this may have causedRecords indicate on May 24, 2016, *** Dattempted to contact youHowever, no answer was received and voice mail was leftPlease be advised, you may submit proof of insurance to the fax number that *** left in the voice mail or you may submit the information to the address or fax number listed belowOnce the requested information is received, your account will be updated and the appropriate charges will be removed.Ditech Financial LLC, IAAOA P.OBox 979282Miami, FL 33197-9282Fax: (866) 263-8962If you have any further questions or concerns, please contact (800) 643-0202, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely,*** *** DitechCustomer Service*** *** *** *** *** *** *** ** *** ***

As previously stated in our last response, Mr*** has a variable rate loan in which the interest rate may change every monthsPlease be advised that Mr***'s interest rate changes on same day every year, July 01, and the monthly payment adjusts effective August We have enclosed the rate change letters sent to Mr*** since Additionally, the rate change letter sent on May 19, and the billing statement for the August 01, due date were enclosed with our previous responseThe due date for the account is the 1st day of each monthIf a payment is not received in full by the 1st day of the month, the account will be past dueIf a payment is not received in full by the end of days after the due date, a late fee may be assessedOur records indicate that the payment due August 01, was not received in full until August 23, Therefore, the late fee of $that was assessed for this payment is valid and will not be waivedAs stated in our previous response, the late fee amount is based on the loan agreement and not the amount the payment was short

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 encounteredThe payment hierarchy for Ms***'s account requires a full payment to be
received before a payment can be applied to the due dateIf the account is past due, any additional funds are placed in unapplied fundsUnapplied funds are reviewed daily and follow a specific hierarchy to determine postingPlease be advised, Ms***'s account is over days past due; therefore, any additional funds received are being placed into unapplied fundsAs of the date of this letter, Ms***'s account is currently due $1,for the January and February due datesThe unapplied funds balance is currently $101.20, which makes the amount due $1,There is also a late fee balance due in the amount of $Once the account is brought current, any additional funds received will be applied to the account according to the below payment hierarchy: Escrow advances Corporate advances due Late charges Non-sufficient funds fees Other fees due Additional principal Enclosed is a list of corporate advances that have been assessed to Ms***'s accountAccording to the terms of the contractual agreement, if not prohibited by the laws of the state(s) where the Property and Borrower are located, all costs, fees and expenses incurred by or payable to the Loan Servicer in connection with the Agreement, including but not limited to property inspection fees and attorney's fees shall be paid by the borrowerThe inspections were conducted due to the delinquency of the accountSite inspections are conducted from the exterior of the property and are performed in order to ensure that the property is not vacant, and is being maintained in accordance with appropriate city or county property codesRecords show that these inspections were conducted according to the terms of the contractual agreement; therefore, they will not be removed.If Ms*** has any further questions, she may contact her account representatives Sandy Mat ###-###-####, extension ***, or Kelli Lat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

RE: Case#***, *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any inconvenience that may have been causedAccount records indicate that all
information has been received and processedHowever, the contractor filled out the W-information incorrectlyRecords indicate that our claims department has reached out to *** to receive the correct information.If *** *** has any further questions, she should contact her account representative Michelle Jat ###-###-####, extension ***, or Thomas Hat 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: *** ***, *** *** *** CARENCRO, LA ***