Ditech Financial, LLC

June 13, *** *** 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 Ms***’s concernsPlease be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided. Residential Credit Solutions, Inc The servicing of the above account was transferred from Residential Credit Solutions, Incto Ditech effective March 1, There were no changes to the account terms or conditions as a result of the servicing transferPlease 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 forwardWe make this response, in part, based upon Residential Credit Solutions, Increcords Pursuant to Ms***’s request, we reviewed her accountIt has been determined that a change in the account terms inadvertently occurred during the transfer to DitechWe have completed the corrections and the account now reflects the original terms of her contractRecords indicate that negative credit reporting has not occurred due this issueMs***’s account has been reported to the credit bureaus as current in March, April and MayWe apologize for any dissatisfaction this matter may have caused As of the date of this letter, Ms***’s account is due for the June 1, 2016, payment and has a credit of $in unapplied fundsThe total due to complete the June payment is $ 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, Kristina *** Customer Service Correspondence Supervisor /asw/41/ cc: *** *** ** *** *** *** Alexander, NC

April 28, *** *** 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”). Generally, when future payments are submitted and there are additional funds, they will be applied to principal after the monthly payment has been appliedIf a payment is received within days of the due date, the funds will be applied as a payment with any extra being applied to principal; however if the funds are received more than days before the next scheduled due date, the funds are all applied to principal onlyPlease be assured, we make every effort to credit payments as requestedHowever, if instructions are not included with overages received, the funds are applied to the account in accordance with the payment hierarchyWe have requested the payment amount received on April 6, in the amount of $1,to be reallocated and applied as a principal only paymentUpon completion, the account will be due for May 1, Mr***’ account has been noted so that any additional payments received over the current amount due will be automatically applied to the principal balance. If Mr*** has any further questions, he should contact his account representative Christopher Mat ###-###-####, extension ***, or Ina 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.m., and Saturday 7:a.mto 1:p.mCT. Sincerely, Vanessa *** Customer Service Correspondence Supervisor /lqh/54/ cc: *** ***, ** *** ***, Black Mountain, NC *** ** *** ***

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 Mrs*** has encountered regarding her escrow account and in dealing with our associatesOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementPer the tax assessor, Mrs*** has paid the taxes in the amount of $4,However, taxes are billed in two payments of $2,due May 15, and October 15, Therefore, there is still $due for the second installment, which will be disbursed from the escrow account in September All other tax disbursements have been removed for the taxesA new escrow analysis was completed on March 5, 2018, which resulted in an escrow overage of $2,This overage was mailed to Mrand Mrs*** on March 6, The new escrow payment will be $273.28, for a total payment of $1,737.60, beginning with the May 1, due dateWe are unable to comply with Mrs***'s request for additional monetary compensationIf Mrs*** has any further questions, she may contact her account representatives Arsenio Lat ###-###-####, extension ***, or Jennifer Rat 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:
Ditech received the $payment and cashed the check May 3, 2016. *** *** never received a check for $180.00. I paid the account off on June 1, 2016. Ditech sent me a check for $for overpayment. For the last months *** has been sending the payment to Ditech through bill pay at our bank. We asked them why did they send (so they said) send a payment back when the account number was listed on the check. *** *** is my wife and we do live togetherWhy is Ditech making this our problem because they can't find where they put the payment. It was sent on time, and we had no idea there was a problem until we received June statement which had two payments due. They have caused us to lose out on the house we had planned to purchase because of this discrepancy. Now, our lender says we have to wait year to purchase because of this.Thank you*** ***

I am rejecting this response because:
still have not received paid in full letterit still shows the account was a settlement on all credit bureaus which is NOT the casei paid the full amount due on april 30th this needs to be resolved immediately

We have received your complaint and appreciate the opportunity to respondBefore we can do so, however, federal law requires that we obtain your consent to share information in your account file with third parties, such as the Revdex.comPlease sign and return the attached
Authorization and Consent to Release Non-Public Personal Information form so that we may do soIf you choose not to provide the consent, we will respond directly to you onlyShould you have any questions or comments you may contact Ditech at *** ***

May 12, *** *** Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 55337 RE: Complaint ID #, ***, *** and *** *** Dear *** ***: Thank you for the
opportunity to respond to the complaint filed by *** and *** *** regarding their account with Ditech Financial LLC (“Ditech”). We apologize for any dissatisfaction *** and *** *** encountered attempting to set up Biweekly AutoPay. In order to set up Biweekly AutoPay, the account needs to be paid one month ahead. Records reflect on February 9, 2016, we received an invalid AutoPay application and a correct application was sent. Subsequent AutoPay applications were received, however, we could not comply with the draft dates because the account was not paid one month ahead. An ACH Denial notice was generated on February 22, 2016, copy enclosedOn February 26, 2016, a payment by phone transaction was processed to satisfy the March 1, 2016, due date. Because the account was paid ahead, the Biweekly AutoPay was set up to draft the first half of the April 1, 2016, due date on March 11, 2016, and the second half on March 25, 2016. However, on March 8, 2016, we spoke with *** *** and she requested to cancel the Biweekly AutoPay and we complied with her requestThe account was then set up for our Monthly AutoPay program and the first payment of $1,was drafted on April 4, 2016, and paid the April 1, 2016, due date. On May 4, 2016, the AutoPay drafted a payment of $1,571.40, which paid the May 1, 2016, due date. The AutoPay drafted on May 4, 2016, was returned by their bank on May 10, 2016, for insufficient funds. Per the Monthly AutoPay Application and the Note, a returned item fee in the amount of $was assessed. In addition, a returned item fee was also assessed on March 7, 2016, because the payment by phone processed on February 26, 2016, in the amount of $1,571.40, which paid the March 1, 2016, due date was returned for insufficient fundsPlease note, the account is still set up on our Monthly AutoPay program. However, because the account is reflecting past due for the May 1, 2016, due date, as a result of the returned payment, AutoPay payments will not draft until the account is brought currentThe request to waive the returned item fees has been denied. The fees were not assessed as a result of a Ditech errorWe 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, Nikki *** Customer Service Correspondence Supervisor /kas/42/ cc: *** and *** ***, * * * *** ***, Millbury, MA

Please see the attached response regarding Ms***'s complaint

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech)Enclosed please find a one year payment history for this accountThe information reported to the credit reporting agencies (Equifax, Experian, Innovis, and
TransUnion) is true and correct according to account recordsAs Ms*** explains, her monthly escrow payment increased from $to $beginning with the October 1, due dateWe received a payment of $1,on October 5, 2016; however, it was not enough to complete the full payment of $1,624.25, so it was placed in unapplied fundsWe received the remaining October payment of $on November 1, 2016, which was combined with the unapplied funds of $1,and $1,was applied to the October 1, due date on November 3, The payment was backdated to the date received of November 1, 2016, to ensure proper credit to the accountWe would like to apologize for any misinformation Ms*** received; however, Ditech is legally required to report accurate information; therefore, we are prohibited from changing credit reporting as a courtesy or to facilitate restoration of a credit ratingSince the complete October 1, payment was not received until days past the due date, it was reported as days delinquent to the credit reporting agenciesIf Ms*** has any further questions, she may contact her account representatives Sean Lat (800) ***, extension ***, or Travis Cat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

I am rejecting this response because:
Please see the attachments

Please be advised, the letter that Mrs*** provided in relation to her complaint is a general Private Mortgage Insurance ("PMI") disclosure, which was mailed to her on December 20, 2016, as required by federal lawHowever, as previously communicated, a denial letter was sent to Mrs***, which listed specific reasons why her account was denied for PMI cancellation, prior to her authorizing us to complete an appraisal and assess the cost of that appraisal to her accountThe denial letter specifically stated "Your first-lien mortgage on your second home or one-unit primary residence has not yet reached the applicable LTV ratio of the current value of your propertyIf your loan is between two years and five years old, the LTV must be percent or less in order for you to be eligible to cancel PMI(Note that the two-year minimum age requirement will be waived if your LTV is percent or less because of improvements you made that increased the property value.) If your loan is more than five years old, the LTV must be percent or less in order for you to be eligible to cancel PMIYour LTV is 88.84%." Our records do not indicate that Mrs*** was guaranteed she would be approved for PMI cancellation if her LTV was at 80%, nor do our records indicate that Mrs*** was advised the PMI would be cancelled if the appraised value was $195,or higherIf Mrs*** has documentation which indicates otherwise, she may submit it for further researchAt this time, we stand by our previous response and will not be removing the appraisal fee from Mrs***'s account

We apologize for the dissatisfaction that this matter has causedOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementOn December 08, 2016, we initiated foreclosure proceedings for Mr***'s account due to the
delinquencyOn December 27, 2016, we received a payment of $1,661.05, which was placed in suspense, as it was not sufficient to reinstate the accountOn December 31, 2016, we sent Mr*** a letter advising that the payment was being held from postingOur records indicate that on October 03, we received returned mail from the address on file with a forwarding address of *** *** *** *** *** which is the reason the mailing address on the account was updatedOn February 27, 2017, Mr*** contacted Ditech and advised us that the mailing address was incorrectAt that time, the mailing address was updatedOn January 23, 2017, we received a payment of $1,661.05, which was placed in suspense, as it was insufficient to reinstate the accountOn February 23, 2017, we received a payment $1,661.05, which was placed in suspense, as it was not sufficient to reinstate the accountThe referenced funds were returned to Mr*** via checksUnfortunately, the name was misprinted on the checks as *** *** instead of *** ***On March 21, 2017, Mr*** contacted us regarding the incorrect name on the checks and a request was submitted to have the checks reissuedWe apologize for any misinformation provided to Mr*** regarding any previous check reissue requestsOnce the most recent request was received through the Revdex.com, a stop payment was placed on the checks and on May 10, 2017, the amount of $4,was reimbursed to Mr***'s bank account via ACH (Automated Clearing House)The funds should post to Mr***'s account by Friday May 12,

RE: Case#***, *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding their account with Ditech Financial LLC (Ditech).The reimbursement you requested was processed on June 16, The amount of $was reimbursed to your bank
account via ACH (Automated Clearing House)Please allow 2-business days for these funds to appear in your accountPlease contact your bank to verify receipt of the reimbursed funds.Account records indicate that ACH was set up through the website on May 31, Extra principal was selected as $As this is not a Ditech error, no NSF fees will be refundedUnfortunately, we are unable to update the ACH information with out a signed requestHowever, you may update the ACH information online at www.ditech.com.If *** *** has any further questions, they should contact their account representative Rosa Rat ###-###-####, extension ***, or Daniel Tat 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: *** ***, *** *** *** *** ** *** ***

Thank you for the opportunity to respond to the complaint filed by *** ** *** regarding her account with Ditech Financial LLC (Ditech)We would like to apologize for any dissatisfaction Ms** *** has encountered with our associates and in attempting to cancel her Private Mortgage
Insurance (PMI)Our policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat its customers and third parties with respectWe do not tolerate unprofessional behavior from any of our associatesPlease be assured the responsible department management was notified of Ms** ***'s concerns, which will be addressed and resolvedPlease find enclosed a copy of the Private Mortgage Insurance Adjustable Rate Loans Disclosure that Ms** *** signedAccording to this disclosure, a request to cancel PMI could be made on or after the date on which the principal balance of the loan, regardless of the actual outstanding balance on this date, is first scheduled to reach 80% of the original value of the property securing the loanIn addition, a request could be made earlier than provided for in the schedule if, based on the actual payment made, the principal balance had reached 80% of the original value of the propertyIt also advises that the servicer of the loan will send notification when this cancellation date has been reachedEnclosed is a copy of the notification that was mailed to Ms** *** dated August 24, According to this letter, as of August 24, 2016, the percentage based on the original value of the property was 78.51%The letter also outlined the conditions in order to cancel the PMIEnclosed is a copy of this letter for your reviewThe disclosure and letter also advised if the payments are current, PMI will automatically terminate on the Termination Date, which is the date on which the principal balance of the mortgage, based solely on the amortization schedule then in effect for the mortgage, is first scheduled to reach 78% of the original value of the property securing the mortgageThe Automatic Termination Date for Ms** ***'s loan is March 1, We received emails from Ms** *** on August 29, 2016, inquiring about her PMISince the request was not signed, it was not forwarded for PMI cancellationWe received Ms** ***'s signed request to cancel the PMI, along with her authorization to complete an appraisal on September 13, An appraisal was ordered on September 26, 2016; however, it was canceled on October 24, 2016, as we were advised that the appraiser could not reach Ms** ***We sincerely apologize for any misunderstanding and for the appraiser not showing up or calling to reschedule an appraisal set up on October 28, Please note, we are unable to remove the PMI prior to March without evidence that the value of the property securing the mortgage has not declined below the original value of the propertyTherefore, we decline Ms** ***'s request to compensate her by waiving the PMI payments for September and October.At this time a new appraisal has been scheduled for today's date (December 6, 2017) at 2:p.mOnce we receive the appraisal back, we will make a determination if the PMI can be canceledA letter will be mailed to Ms** *** advising her of the outcome of the review.If Ms** *** has any further questions, she may contact her account representatives Abby Kat ###-###-####, extension ***, or Shanna Sat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

RE: Case#***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)We apologize for any inconvenience or dissatisfaction that this matter has causedOur mission
is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementPlease be advised, Ditech must follow lender or investor guidelines for any loan modification considerationDitech requires supporting documentation to review an account for a loan modificationOur records indicate that Mr*** has never provided all of the required documentation needed for a complete loss mitigation application in the designated time frame, which has caused his request to be denied on multiple occassionsIf the required documentation is not received in the designated time frame, a new loss mitigation application must be submitted along with all of the required documentationAt this time, we are still missing documentation required for our review processA copy of the letter, which outlines the missing documents has been enclosed for your referenceThe missing documents must be submitted by October 12, or the application will be denied and Mr*** will need to fill out a new loss mitigation applicationIf *** *** has any further questions, he may contact his account representative Travis Cat ###-###-####, 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#[redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech). Ditech has determined that Mr. [redacted]' Loss Mitigation requests have been accurately procesed. The following...

information will provide further information in a chronological order to avoid any misunderstandings: Our records indicate that from January 01, 2015 to January 01, 2016, solicitation letters were not mailed to Mr. [redacted] because the account remained current and up-to-date. On February 01, 2016, a solicitation letter was sent to Mr. [redacted] because the loan had become delinquent and was due for the January 01, 2016 mortgage payment. On March 02, 2016, a second solicitation letter was mailed to Mr. [redacted] because the loan remained past due. On March 14, 2016, we received a loss mitigation application from Mr. [redacted] requesting modification assistance. However, upon the review of this application it was determined that additional information was needed. On March 15, 2016, an Incomplete Information Notice was sent to Mr. [redacted] requesting the following documents to be returned to Ditech on or before April 14, 2016:- IRS 4506-T or 4506T-EZ Form (signed) - Last Year's Tax Statement (Tax Return with all Schedules) - Most Recent Pay Stubs Reflecting the Most Recent 30-Days Earnings - Signed and Dated Quarterly or Year-to-Date Profit Loss Statement On March 22, 2016, we received income documents, unsigned income tax documents and Form 4506-T. However, we did not receive all of the above-mentioned documents; therefore, an additional Incomplete Information Notice was mailed to Mr. [redacted] on May 12, 2016 requesting the missing documents to be returned to Ditech on or before June 11, 2016. On May 13, 2016, a solicitation letter was mailed to the borrower because the loan remained past due. On June 20, 2016, a Disengagement Letter was sent to Mr. [redacted] because the required information was not received and did not allow us to move forward with the loss mitigation evaluation. On July 23, 2016, we received a loss mitigation application from Mr. [redacted] requesting modification assistance. However, upon the review of this application it was determined that additional information was needed. On August 09, 2016, an Incomplete Information Notice was mailed to Mr. [redacted] requesting the following documents to be returned to Ditech on or before September 07, 2016:- Pay Stubs - Profit/Loss Statement - Social Security BenefitsOn September 21, 2016, an Acknowledgment Letter was sent to Mr. [redacted] advising that we had a complete financial package. Since a complete loss mitigation application was received, we moved forward with a modification evaluation. During this review it was determined that the loan did not meet eligibility for the following modification programs: - MyCity Modification: Eligibility criteria was not met because the property securing the mortgage must be located in the city of Detroit, Michigan or Cook County, Illinois. Since Mr. [redacted]' property is located in Wisconsin, Ditech was unable to consider this modification program. - Home Affordable Modification Program (HAMP): Eligibility was not met because the loan was originated on or after January 1, 2009. This modification program requires the loan to be originated before January 1, 2009 to be considered. - Fannie Mae Mod 24: Eligibility was not met because the loan was originated on or after January 1, 2009. This modification program also requires for the loan to be originated before January 1, 2009 to be considered. Mr. [redacted]' gross monthly income did not have an impact on the final decision. - Fannie Mae Cap & Extend modification: Eligibility was not met because the hardship was identified as long term. - Fannie Mae Standard Modification- Eligibility was not met because a post-modification payment would be greater than 55% of the gross monthly income. Although Mr. [redacted] did not qualify for the above modification programs we were able to qualify the loan for a Streamline trial period plan. However, during the finalization of this offer a system delay was caused associated with the unpaid principal balance. At this time, we are working to have this issue corrected and anticipate that a Trial Period Plan Letter will be sent in a separate mailing to Mr. [redacted] in the next 30 calendar days. Ditech apologizes for any inconvenience this may have caused. Our records indicate that Mr. [redacted] filed Chapter 7 Bankruptcy on April 07, 2016 and did not reaffirm this debt. Without a reaffirmation of debt, we are prohibited from reporting an account balance and payment history. Any debt that has been discharged through Chapter 7 Bankruptcy is reported to the credit bureaus one final time to reflect the discharge. All future reporting is then discontinued for any filer(s) associated with the bankruptcy. Our policy mandates that we cannot send billing statements to customers that did not reaffirm their account at the time of their bankruptcy filing. Billing statements contain information that can be construed as collection activity. Instead, we will begin sending Mr. [redacted] informational statements. Mr. [redacted] may contact our Customer Service Department at the below phone number to obtain information that is not listed on the informational statements. Please be advised, due to the delinquency of the account, Mr. [redacted] is not eligible to use our online payment option. If [redacted] has any further questions, he may contact his account representatives Sherrie H. at ###-###-####, extension [redacted], or Brian L. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

We have received your complaint and appreciate the opportunity to respond. Before we can do so, however, federal law requires that we obtain your consent to share information in your account file. Please sign and return the attached Authorization and Consent to Release Non-Public Personal...

Information form so we may review and respond to your concerns.

We have received your complaint and appreciate the opportunity to respond. Before we can do so, however, federal law requires that we obtain your consent to share information in your account file with third parties, such as the Revdex.com. Please sign and return the attached...

Authorization and Consent to Release Non-Public Personal Information form so that we may do so. If you choose not to provide the consent, we will respond directly to you only. Should you have any questions or comments you may contact Ditech at ###-###-####.

I am rejecting this response because:
I find that a loyal customer of many years cannot get help to trace a stolen check that was made out to Ditech is unacceptable.  The check was not endorsed but there are numbers on the back of the check that will allow my bank to trace where the money went to.  My bank needs that form completed to trace the check.   I owe $1,400 left of my house.  Ditech got their money, why can't I get help to recover my stolen funds.  Not many people can come up with extra money to recover from this type of situation.  If RCN cable can do it, why can't Ditech

Initial Business Response /* (1000, 13, 2015/12/04) */
[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN 55337
RE: Case #[redacted]
Dear [redacted]:
Thank you for the opportunity to respond to the complaint filed...

by [redacted] regarding her account with Ditech Financial, LLC ("Ditech").
We would like to apologize that the service Ms. [redacted] received was not to her satisfaction. Please be assured, appropriate department management has been notified and has addressed the issue accordingly.
We have completed maintenance on Ms. [redacted]' account as of December 03, 2015. The account is now current with the next payment due for the scheduled December 01, 2015 payment of $149.83.
An Automated Universal Data form (AUD) was sent on November 23, 2015 to the four major credit reporting agencies (Equifax, Experian, Innovis and TransUnion) to update the account information and reflect the account as open and current. We have removed all of the delinquencies reported beginning August 01, 2014.
We apologize for any confusion or dissatisfaction this matter has caused.

For any additional questions or concerns, she may contact our Customer Service Department at (800) [redacted], Monday - Friday, 7:00 a.m. to 8:00 p.m. CST, and Saturday 7:00 a.m. to 1:00 p.m. CST.
Sincerely,
Sara [redacted]
Customer Service Correspondence Supervisor
/db/31/
cc: [redacted], [redacted] Encino, CA. 91316