Ditech Financial, LLC

Please see the attached response to the customer's complaint.

Initial Business Response /* (1000, 12, 2015/11/16) */
[redacted]Document Attached[redacted]
November 16, 2015
[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").
Ditech has set policies to ensure both the customer and our interests in the home are protected in the event of an insurance claim. Due to the size of the insurance claim, certain procedures must be followed. In addition, we have the right to oversee and monitor repairs to protect our interest in the collateral. Please be assured the claim was processed pursuant to the terms of [redacted]'s contract and our claim procedures.
Records reflect the claim check in the amount of $6,150.52 was received on October 19, 2015 and we processed the check on November 2, 2015. Our claim procedures require that claims are processed within 7-10 business days. [redacted]'s claim was processed within this timeframe. On November 4, 2015, we disbursed 95% of the claim funds in the amount of $5,842.99 payable to[redacted] In order to release the remaining claim funds, we will need pictures showing completion of the repairs to the home and the Certificate of Completion needs to be completed and returned. If [redacted] has additional questions regarding the claim, she can contact our Claims Department at (800) [redacted].
Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted], Monday - Friday 7:00 a.m. to 8:00 p.m., and Saturday 7:00 a.m. to 1:00 p.m. CT.
Sincerely,
Nikki [redacted]
Customer Service Correspondence Supervisor
/kas/41/
cc: [redacted], Cowpens, SC 29330
Initial Consumer Rebuttal /* (3000, 14, 2015/11/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't accept this reason. The customer service department is unqualified and unprofessional. I have only had one experience talking with a CSR that actual knew something. After having my loan since 96 and nothing ever changing. Then talking to one of the CSR finding out someone had changed my address. Then I questioned fees I was charged and asked for a itemized statement over three months ago and still haven't received it. This company should not be in business with the unqualified personnel they have. And then to try to get funds to fix my house was exhausting. This company could have cared less that I was living in mold.
Final Business Response /* (4000, 16, 2015/11/30) */
November 30, 2015
[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").
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 respect. We do not tolerate unprofessional behavior from any of our associates. Ditech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. We apologize for any dissatisfaction [redacted] experienced with our Customer Service Department.
Records do not reflect that the mailing address has been changed on the account. The mailing address on file is:
[redacted]
Cowpens, SC 29330
In addition, we provided [redacted] with a list of the late fees assessed to the account on October 2, 2015. A copy of this response is enclosed. As of today, the late fee balance due is $9.05.
As indicated in our previous response to the Revdex.com, we must follow certain procedures in the event of a claim. Our response has not changed and the remaining claim funds will not be release until we receive pictures reflecting the completion of the repairs and the Certificate of Completion is received.
Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted], Monday - Friday 7:00 a.m. to 8:00 p.m., and Saturday 7:00 a.m. to 1:00 p.m. CT.
Sincerely,
Nikki [redacted]
Customer Service Correspondence Supervisor
/kas/53/
cc: [redacted], Cowpens, SC 29330

RE: Case#[redacted], [redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech). Account records indicate a payment of $1,000.00 was received on April 6, 2016 and inadvertently posted to an...

incorrect account number. On April 15, 2016, the referenced payment was partially reallocated to Mr. [redacted]'s account. Pursuant to Mr. [redacted]'s correspondence, a review of the referenced payment did determine that the additional principal payment of $120.38, remitted on April 6, 2016, remained applied to the incorrect account. We have reallocated the remaining funds from the incorrect account and they are now correctly posted to Mr. [redacted]'s account. The reallocation was backdated to April 6, 2016 to ensure proper crediting of the account. A copy of Mr. [redacted]'s payment history is enclosed for his convenience. We apologize for any inconvenience this matter has caused. If Mr. [redacted] has any further questions, he may contact his account representatives Walter H. at (800) [redacted], extension [redacted], or Zena D. 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. Sincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted], [redacted] STRONGSVILLE, OH 44149 [redacted]

RE: Case#[redacted] , [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 for any inconvenience that may have been caused. Account records indicate that the...

escrow surplus check in the amount of $2,173.73 was sent via USPS on July 1, 2016. Again we apologize for any inconvenience that may have been caused due to the delay.If [redacted] has any further questions, she should contact her account representative Brian H. at ###-###-####, extension [redacted], or William F. 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.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] HUNTSVILLE, AL 35806 [redacted]

I have signed and Dated.

RE: Case#[redacted], [redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).Please note, Mr. [redacted]'s account type requires that only a full payment be applied to the next monthly payment...

due date. 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 balance. This form of payment posting is determined by the mortgage contract and the servicing protocols of the account. A copy of the account payment history over the last 24 months is enclosed for Mr. [redacted]'s convenience. Records indicate that recent payments have been received as follows:$700.00 received by electronic bill pay on April 4, 2016 $700.00 received by electronic bill pay on April 18, 2016 $700.00 received by electronic bill pay on May 2, 2016 $400.00 received by electronic bill pay on May 16, 2016 $700.00 received by electronic bill pay on May 31, 2016 $700.00 received by electronic bill pay on June 13, 2016 $700.00 received by electronic bill pay on Jun 27, 2016 $604.78 received by electronic bill pay on July 12, 2016 $604.78 received by electronic bill pay on August 2, 2016A review of Mr. [redacted]'s payment history indicates that partial payments have been remitted for his account. As a result of our recent internal system upgrade, completed on April 1, 2016, the partial payment of $700.00 received on April 18, 2016, was systematically applied to the principal balance of the account, per the above listed payment hierarchy. Therefore, when the next partial payment of $700.00 was received on May 2, 2016, it was placed in UAF until sufficient funds were available to allow the full payment to be credited to the account.On May 31, 2016, a request to reallocate the April 18, 2016, payment from principal was entered, but due to the system upgrade, at that time, completion of payment reallocations were delayed.The late charges of $48.35, assessed as a result of the April 18, 2016, payment application have been waived. The requested payment reallocations were completed on July 11, 2016, and the account coded for special handling of partial payments. Mr. [redacted] should be advised that no negative credit reporting occurred as a result of this issue. We apologize for any dissatisfaction that this matter may have caused.If Mr. [redacted] believes a payment was made but not applied to his account and wishes us to research the missing payment, we will require proof of the payment. Proof 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, etc. The additional information to the address on this response or the fax number ###-###-####.If [redacted] has any further questions, he may contact his account representative Kathryn R. at ###-###-####, extension [redacted], or Gracie C, 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.Sincerely, Shea [redacted]Customer Service Correspondence Supervisorcc: [redacted], [redacted] RINGLE, WI 54471 [redacted]

RE: Case#[redacted], [redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech). Please be advised that we have investigated Ms. [redacted]'s concerns of forgery and determined that they are not...

valid. We have previously provided Ms. [redacted] with documentation supporting our decision and have enclosed the same for your review. Our records indicate that Ms. [redacted] was aware of the loan and as evidenced by the enclosed documentation, Ms. [redacted] signed documents stating she had a hardship and requested a short sale. If [redacted] has any further questions, she may contact our Asset Receivables Management Department at ###-###-####, Monday - Thursday, 6:00 a.m. to 7:00 p.m. MT, and Friday 6:00 a.m. to 12:00 p.m. MT. Sincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted], [redacted], SPRINGFIELD, VA 22151 [redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech). We would like to apologize for any dissatisfaction Mr. [redacted] has encountered in dealing with our associates and the claims process. 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 respect. We do not tolerate unprofessional behavior from any of our associates. Please be assured the responsible department management was notified of Mr. [redacted]' concerns, which were addressed with the specific associates and resolved. Policies are set in place to ensure both our customer's interests and our interests in the property are protected in the event of an insurance claim. The processing time on a claim, once all documents are received, is 7-10 business days. When all of the required documents are received, the funds are released accordingly. Records indicate we received the claim check on December 5, 2016, and it was sent for deposit on December 8, 2016. We then had to wait for the funds to be available so a check could be ordered. A check in the amount of $11,024.75 was ordered on December 12, 2016, and was mailed to Mr. [redacted] on December 13, 2016. For further information regarding the claim, Mr. [redacted] can contact our Claims Department at (800) [redacted], extension [redacted], Monday through Friday from 7:00 AM to 4:00 PM Mountain Time. If Mr. [redacted] has any further questions, her may contact his account representatives Markesha E. at ###-###-####, extension [redacted], or Zena D. 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.

Initial Business Response /* (1000, 5, 2015/05/21) */
Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Green Tree Servicing LLC ("Green Tree").
We understand Ms. [redacted]'s concerns. Please be assured that her correspondence has been...

reviewed with the appropriate department management and the following response is provided.
Green Tree received a payoff check in the amount of $84,187.26 on April 3, 2015. Pursuant to our review, the payoff quotation on the day the payoff was received included the current principal balance of $77,545.94, deferred interest of $5,736.32, an advance of $50.00, plus the earned interest per day from March 9, 2015 (date last payment was received) to April 3, 2015 (date of the payoff) in the amount of $562.50. Therefore, the payoff overage was $292.50 which was mailed to Ms. [redacted] on May 1, 2015.
Please be advised that four deferments were processed in order to assist in bringing the account current. While the payoff quotes included amounts due for all deferment balances, the quotes did not itemize all of the deferred balances separately. The following is a list of deferred interest balances that were required to be paid to close the account.
2/17/04: A three month extension was processed. The deferred interest was $1,771.19.
11/16/05: A two month extension was processed. The deferred interest was $1,428.35.
2/26/08: A two month extension was processed. The deferred interest was $1,396.38.
1/31/13: A three month extension was processed. The deferred interest was $1,140.40.
If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) [redacted], Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.
Initial Consumer Rebuttal /* (3000, 7, 2015/06/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The pay off quotes were not the same and $1,771.19 was not mentioned in any of the payoff quotes whether itemized or not. I had called numerous times and no one could explain the pay off and not once did the deferred interest you refer to on 1/31/13 come up. I don't understand as we had a loan modification at that time.
I am attaching the pay off that was sent to my bank and you will see what I am talking about.
Final Business Response /* (4000, 9, 2015/06/11) */
Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding her account with Green Tree Servicing LLC ("Green Tree").
We apologize Ms. [redacted] was unable to obtain an explanation of the payoff quote when she contacted us. However, the deferred interest of $1,771.19 was included in the total payoff amount of $84,187.26 dated March 17, 2015, but it was not included in the "Deferred Interest" line.
The total payoff amount on the payoff quote dated March 17, 2015 was $84,187.26. If you subtract the below amounts that were included in the payoff, it leaves difference of $1,771.19.
Principal Balance: $77,545.94
Interest: $855.00
Corporate Advances: $50.00
Deferred Interest: $3,965.13
Total: $82,416.07
If you add the additional deferred interest of $1,771.19 to $82,416.07, it equals to total payoff amount of $84,187.26.
Enclosed is a copy of the Rate/Payment Modification Agreement Ms. [redacted] signed January 28, 2013, and applied to her account on February 17, 2014. The interest that was not being collected during the modification period was deferred to the maturity date of the account, or until the account was paid in full.

If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) [redacted], Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.

I am rejecting this response because: From their pat response, it appears they didn't even read the complaint, its the same response over and over again. They request documents that don't exist or wedo not have access to. When we try to explain we had nothing to do with this transaction they steadfastly refuse to even communicate other than contact the genericemail and phone number and the first thing they want is paperwork, which again doesn't exist, and it starts all over again. The simple fact is our warranty deed (which ourclosing attorney has sent them 3 times) clears this whole problem, and Greentree (now Ditech) simply did not release original lien. Would have been nice in this instance being somewhat different than the run of the mill release, someone could have contacted us, so we could explain. I have heard nothing from them until this response.To be fair, they have been in contact with our closing attorney with no resolution.

I am rejecting this response because:  It was not a resolution, but rather, merely a request for a release from me so they could discuss the case with you.They did not provide an address/email or otherwise where I am to return the form they have requested, so ONCE AGAIN, I will spend my time calling the company tomorrow to find out what they want me to do.This seems to be their pattern - Just an endless cycle of wasting my (and I have no doubt, other customers', time).

May 20, 2016 [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA 220 S RIVER RIDGE CIR BURNSVILLE MN 55337       RE:  Case #[redacted], [redacted] Jr. Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by...

[redacted] Jr. regarding his account with Ditech Financial LLC (“Ditech”). We understand Mr. [redacted]’s concerns. His correspondence has been reviewed with the appropriate department management and the following response is provided.         Please be assured, Ditech makes every effort to credit payments as requested. Payments mailed to the remittance address on the monthly account statement are processed by a federally regulated processing center hired by us to apply payments to accounts. They are required to process all payments within 24 hours of receiving the check and use an automated process to read the payments received and the corresponding account numbers to which the payment is to be applied. When payments are remitted for multiple accounts in the same envelope or using a single form of payment, the automated system applies the payment received to the first account listed. Our processing center attempts to monitor and correctly apply multiple account payments but often they are not aware or are unable to identify the issue prior to the automatic application the payments. Records indicate that payments totaling $1,400.00 were received on January 2, 2016, and were applied to Mr. [redacted]’s account ending in [redacted], for the January payment plus the additional to principal in the amount of $637.07. In the previous email correspondence received concerning the payment application to both Mr. [redacted]‘s accounts, Mr. [redacted]’s distress was evident but his wishes were not fully understood. Explanations for the missing billing statement and for the payment application were provided in response to Mr. [redacted]’s email correspondence. Unfortunately, because we did not understand Mr. [redacted]’s intention was to request the reallocation of the funds, no reallocation was made at that time. There has been no other form of contact with Mr. [redacted] and we apologize for any dissatisfaction our previous response may have caused. Pursuant to your correspondence, we have reallocated the funds previously applied to principal on Mr. [redacted]’s account ending in [redacted] to the account ending in [redacted]. Any late charges assessed to the account, due to the misapplied payment have been waived. Copies of the accounts payment histories are enclosed for Mr. [redacted]’s convenience. We apologize for the delay in completing our reallocations and any inconvenience this matter may have caused. Mr. [redacted] may contact the Single Point of Contact, for the account ending in [redacted]: Valarie S. at ###-###-####, extension [redacted], and for the account ending in [redacted], Jeffrey S. at extension [redacted], for further information or concerns about his accounts. He may also see up to date account information on our website, at www.ditech.com. 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, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.  Sincerely, Kristina [redacted] Customer Service Correspondence Supervisor /asw/44/ cc:  [redacted]        Elkhart , IN 46516

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).Records indicate that Ms. [redacted]'s bi-weekly payments received April 15, 2016 and May 27, 2016, were inadvertently applied to the principal balance instead of...

to the monthly payments.However, both of these payments have been reallocated from the principal balance and applied to the monthly payments as Ms. [redacted] intended. The late fee assessed to Ms. [redacted]'s account due to this matter has been removed. Please be assured that no negative information was reported to the credit reporting agencies. As of the date of this correspondence, Ms. [redacted]'s account is next due $165.20 for the remaining September 1, 2016 payment.We apologize for any inconvenience or dissatisfaction this matter has caused. If Ms. [redacted] has any further questions, she should contact her account representative Ismael G. at ###-###-####, extension [redacted], or Emmanuel M. 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 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 ###-###-####.

RE: Case#[redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding [redacted]'s account with Ditech Financial LLC (Ditech). We apologize for any dissatisfaction that this matter has caused. Our mission is to provide...

exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. Our records indicate we received an insurance claim check for the amount of $10,000.00 on August 30, 2016. Policies are set in place to ensure both the customer's interests and our interests in the property are protected in the event of an insurance claim. The processing time on a claim, once all documents are received, is 7-10 business days. During the time period we are processing a claim, the claim check is deposited into a non-interest bearing account. When all of the required documents are received, the funds are released accordingly. Customers also have the option to have the funds applied to principal only on their account. At this time, we have not received all of the required documentation to complete the claim and release the funds. Mrs. [redacted] has been advised that we still need pictures showing the completed work, lien waiver, and the W-9 from the contractor. We apologize for any confusion this may have caused. On October 20, 2016, we sent [redacted] a letter advising that we are missing documents required to complete our review of his loss mitigation application. As of today, we have still not received the requested documents. A copy of the referenced letter has been enclosed for your review. If [redacted] has any further questions, she may contact the account representatives James D. at ###-###-####, extension [redacted], or Nicholas R. 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.

I have a further development in my complaint in which I may be forced to call the business and would very much not like to interfere or have to deal with their customer service any further.  My complaint is in regards to mismanaging my mortgage and taking payments when they weren't supposed to...

as well as canceling my payment method without contacting me. I have made two months worth of payments at this time (6/24/16 which was to be applied to 7/1 bill and 7/2 which was a surprise draft by Ditech) but my account is still showing that payment is due as of 7/1 and these funds are not being attributed. I am afraid that if I don't call them that I will be marked delinquent on my mortgage and it will negatively affect my Credit Score. At the same time I have had such horrible service when I've called in that I generally end up on the phone for hours trying to get things like this resolved.[redacted]copied and pasted from email.

RE: Case#[redacted], [redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech). Mr. ** may review the enclosed payment history. The monthly due date credited to the account for each of the referenced payments has been highlighted for clarification. Mr. Lu will find in his review of the provided payment history, that the payment remitted on April 30, 2016, was credited to the June 1, 2016 due date, the payment remitted on May 31, 2016, was credited to the July 1, 2016 due date, and the payment received on June 3, 2016, were credited to the August 1, 2016 due date. Regardless, as the result of the payment reallocation referenced in our prior response, these funds were reversed from the account, reapplied to the principal balance, and backdated to the date of receipt, to ensure proper crediting of the account. Therefore, the account was contractually due for the July 1, 2106 payment at the time the payoff payment was received and the previous crediting of funds now reversed and applied to principal did not have any effect on the principal balance or interest due when the payoff payment was applied to the account. The account has been closed to regular servicing, the payoff overpayment refunded to Mr. **, and a lien release filed with San Diego County. There is no additional refund due to Mr. Lu. If Mr. Lu has further questions or concerns our Customer Service Department is available to answer any questions or concerns and may 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. Sincerely,Shea [redacted] Customer Service Correspondence Supervisor

Initial Business Response /* (1000, 5, 2016/01/29) */
January 29, 2016
[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 an account with Ditech Financial, LLC ("Ditech").
We understand Ms. [redacted]' concerns. Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided.
A copy of the recent payment history is enclosed for Ms. [redacted] convenience. If she believes a payment was made but not applied to the account and would like us to research the missing payment, we will require proof of the payment (or nonpayment). Proof 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, etc. Please send the additional information to the address on this response.
Our records indicate, the above-mentioned account was set up for automatic payments on October 08, 2015. On October 21, 2015, the automatic payment plan was suspended because we were unable to locate the account with the information provided. Records indicate that on December 16, 2015 automatic payments were set up on the account via our website. At which time the bank information and debit date were modified. Again, on December 28, 2015, the automatic payment was suspended, as we were unable to locate the bank with the information that was provided. We apologize for the confusion this matter has caused. Account records indicate that on December 29, 2015 the automatic payment program was activated and is currently in place.
We apologize for any confusion or dissatisfaction this matter has caused.
For any additional questions or concerns, Ms. [redacted] 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/55/
CC: [redacted], Aberdeen NC 28315

I am rejecting this response because:Dear Revdex.com,I bought the property physically known at [redacted] Stockton, CA 95204 through Trustee's sale of 2nd lien at public auction. The sale is legally followed the foreclosure law, all the notice to the former owner [redacted] is legally recorded in the recorder's office of San Joaquin County, California. The business can access the county's website and pull out the docs to double check it, everything I said hereby is true.  As the official owner I am liable for the 1st mortgage payment with Ditech on my property [redacted] Stockton, CA 95204. I made the monthly mortgage payment after I became the official owner with Ditech until now, that is why the 1st mortgage was not default until now. Right now I just want to Ditech provide me the payoff statement to payoff the mortgage on my property, release [redacted] 's liability on the mortgage, let them build their new life.The attached please find the docs for my purchase receipt and officially, legally recorded Trustee's Deed and proof I officially take the possession of the propertySincerely,[redacted]

We apologize for any dissatisfaction [redacted] has encountered. Records reflect we had two insurance policies on file. The policy through State Farm, in the amount of $748.00, was paid on April 6, 2016, before we received proof of insurance through Erie Insurance Exchange. Please be advised, the...

State Farm policy was cancelled and a credit of $748.00 was issued back to the escrow account on May 27, 2016. The policy through Erie Insurance Exchange is effective April 27, 2016, through April 27, 2017, and the policy premium is $500.00. This premium was paid via the escrow account on April 9, 2016.On June 1, 2016, an Annual Escrow Account Disclosure Statement was processed, which indicated there was a surplus of $525.39. This amount was disbursed from the escrow account on June 1, 2016, and sent back to [redacted]. Further review determined a subsequent Annual Escrow Account Disclosure Statement was processed on June 14, 2016, and reflected an incorrect insurance policy premium. As such, we are in the process of completing another Annual Escrow Account Disclosure Statement that will reflect the following disbursement amounts:-Insurance, $500.00 -Taxes, $835.81[redacted] can expect to receive the Annual Escrow Account Disclosure Statement under separate cover in the next 10 to 15 business days, which may reflect a different escrow payment. As of today, the payment due on August 1, 2016, is $592.81 and includes a principal and interest payment of $452.21 andescrow payment of $140.60.