Ditech Financial, LLC

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). 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 that we received a request for loss mitigation assistance from Mr. [redacted] on October 04, 2016 and on October 05, 2016 a loss mitigation application was sent to him. On October 10, 2016, we sent Mr. [redacted] a letter advising that we required additional documents to complete our review of his application. We spoke with Mr. [redacted] on November 04, 2016 and advised him that we were still missing the rental agreement and paystubs for [redacted]. Mr [redacted] advised that [redacted] is not working; therefore, he was unable to provide paystubs and that he sent a letter advising that there is no rental agreement. Mr. [redacted]'s application was then sent to our underwriting department for review. A letter was sent to Mr. [redacted] on November 07, 2016 confirming that his application was complete and we are now reviewing his account for modification options. This process takes approximately 30 days to complete. We have enclosed a copy of the referenced letter for your review. If [redacted] has any further questions, he may contact his account representatives Daniel G. at ###-###-####, extension [redacted], or Catherine 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.

I am rejecting this response because:
While the apologies are appropriate, they leave me
flat.  The only reason someone responded
is because it was a complaint from the Revdex.com. 
I’m not satisfied with this response.
In the first paragraph, Mr. [redacted] thanks the Revdex.com for the
opportunity to respond to my complaint. 
This is the third opportunity. 
The Director of the Claims Department was sent the exact letter dated
April 18, 2016 and a copy was sent to [redacted].  Neither have responded to me directly.
I wholeheartedly doubt that anything has been resolved as
stated in paragraph two.  The apathy I
experienced is a cultural issue.  It
starts at the top with [redacted] not caring enough to correspond with
me.  Some of those people seem to want an
adversarial relationship with me.  They
should be bending over backwards to make me happy.  There is too much competition in this
industry to alienate their customers.
The rest of the letter merely explains Ditech’s procedures,
as if I’ll be gratified because they followed their procedures.
In paragraph four, Mr. [redacted] stated that my check was deposited
on April 16, 2016 (a Saturday) and that a new check was sent out on April 25th.  I received that check on the 26th a
full 21 days from my first contact with the Claims Department.
I won’t be placated by Ditech’s perception that it was only
12 business days.  By virtue of the fact
that the original check was deposited on a Saturday, Ditech demonstrates its belief
in a six-day work week.  Furthermore, my
stress level doesn’t take the weekend off. 
I’ve suffered the trauma of a damaged home and now have to wait on some
antiquated system?
Additionally, since Ditech is the lien holder on the
property, claims representatives should want to get it repaired as soon as
possible.  If they had sent the check
back to me by April 11th as expected, the roof would have been
replaced by the 15th.  But
because of their inefficient process, I now have to wait until May 10th
a full 35 days from first contact, not 12 business days.
I teach courses in six sigma process quality.  Six sigma means 3.4 errors per million
opportunities.  My experience with Ditech
included an error in every opportunity. 
That equates to zero sigma, no quality. 
There is no value to me, the customer, in their system.
It is unclear by this response what is going to happen with
the interest.  I’m expecting to be paid
interest, which is still accruing and is compounding daily (not just business
days).  It is currently at $138.30.
In the final two paragraphs, Mr. [redacted] suggests I may
contact Customer Service for further information.  Are you kidding me?  That is where the problem begins.  I have no desire to speak to Ditech’s idea of
Customer Service people.
I want Ditech to change its procedures.  I have another check in my possession from
St. Farm in the amount of $3,154.92, which must be endorsed by Ditech and I don’t
want go through the same circle of ineptitude. 
I would prefer that it be endorsed by the Ditech inspector when he
approves the repairs.  The repairs should
be completed next week and I’m already anticipating a significant delay in
getting the inspector out to my home.

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).Pursuant to Mrs. [redacted]'s request, we have researched the account further and have been advised that a check will be mailed. Please note that the amount of this check will be $7.24 for interest accrued.The current amount of interest on escrow in California is 2%. Interest that was accrued for the 16 days funds were held in the escrow account was $2.76. The additional interest accrued for the 26 days that funds remained with Ditech would be $4.48 Again we would like to apologize for any inconvenience thatmay have been caused.If [redacted] has any further questions, they should contact their account representative Jeremiah S. 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.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted], [redacted], NEW CASTLE, CA 95658 [redacted]

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). We would like to apologize that the service Mr. [redacted] received was not to his satisfaction....

Records indicate that a request for an Actuarial Payment History was completed on September 28, 2016, a request for an Actuarial Amortization Schedule was completed on October 12, 2016, and a request for an Actuarial Payment History was completed on October 25, 2016. Pursuant to Mr. [redacted]'s correspondence, we have researched an "acutuarial statement" and have been unable to find a definition that corresponds with Mr. [redacted]'s request; therefore, we are unable to provide an "acutuarial statement" or an actuarial statement. Mr. [redacted]'s account originated on October 23, 2014, as a fixed interest rate, first lien loan, in the amount of $126,500.00. The interest rate for his loan is 3.756%. The regular monthly principal and interest payment is $586.27. The account is escrowed for the payment of hazard insurance, flood insurance and property taxes. The loan uses actuarial interest. Actuarial interest is a very common type of interest for many loans. This interest is based on a 360-day year with twelve 30 day months. Just like simple interest, interest is charged every day that the customer is using the loan investor's money, however, with actuarial interest, no matter when we receive the payment, 30 days of interest will be taken out of that payment. If we receive the payment 5 days late, there will still be 30 days of interest taken out of that payment, however if the customer pays ahead by a month, even though there has been no interest earned for the future month, we will take 30 days of interest out of the payment. This form of interest results in a gradual reduction, over the schedule repayment period, in the amount of the principal and interest payment that is applied to interest and a corresponding gradual increase in the portion of the regular payment which is applied to the loan's principal balance. The increases/decreases may be calculated and provided to the customer in an Amortization Schedule. It should be noted that an amortization schedule is based on anticipated payments, and payments previously remitted may or may not be included on the amortization schedule, and any transactions outside of the regular scheduled monthly payment will result in a change in the amortization schedule. Additional principal only payments applied to the loan balance will result in a shorter amortization schedule and skipped payments will result in what appears to be a "balloon" payment due at the maturity date of the loan. The maturity date of a loan is the date that all originally scheduled payments were to be received by. This date may be effected by deferrals or modification of the original loan terms. An amortization schedule for Mr. [redacted]'s account is enclosed for his convenience. Please note, as a result of our recent internal system upgrade, we are providing a pre-system upgrade amortization, which will not include any payments received after March 31, 2016 and an amortization for the account using the upgraded servicing system, which will begin on November 1, 2016. As these documents represent information listed in two different servicing systems they are unable to be combined into one document. We apologize for any inconvenience this may cause.A payment history and a spread sheet of transactions occurring within the last 12 months are also enclosed for Mr. [redacted]'s account. The account payment history will also be provided in two separate documents because of the referenced system upgrade. In response to Mr. [redacted]'s concerns about the information indicated on his billing statements, we provide the following response: Mr. [redacted]'s account requires that only a full payment be credited to the next monthly payment due date. Payments that are received in amounts less than the full payment due are placed in the unapplied funds ("UAF"). When sufficient funds are available that allow the full payment to be credited to the account the funds are removed from UAF and applied to the next consecutive 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. Our research has determined that Mr. [redacted] has been remitting payments in amounts less than the full payment due. Partial payments combined with the our internal servicing upgrade, resulted in some partial payments having been systematically applied to the principal balance of the account using the above listed payment hierarchy. On October 17, 2016, corrections to the payments previously received were completed, the account brought current, and next due for November 1, 2016 contractual payment. The late fee totaling $29.31, assessed to the account was waived at that time. Unfortunately, we do not have the ability to re-create monthly billing statements and are unable to comply with Mr, [redacted]'s request for updated monthly billing statements for previous months. Mr. [redacted] should be assured that negative credit reporting did not occur as a result of this matter. In response to Mr. [redacted]'s concerns about the letter he received with the notation of "This letter is from a Debt Collector...", we provided the following response: Our records indicate that during the reallocation process referenced above payments were required to be reversed and reapplied to the account in a multi-day process. This resulted in systematically generated notices, which are legally required to be sent for delinquent accounts, being issued for Mr. [redacted]'s account. Unfortunately, because they are systematically generated there is not an option to prevent these letters from occurring as a result of a reallocation being completed for an account. We apologize for any dissatisfaction this may have caused. Mr. [redacted] should be advised that many state and federal laws require disclosures to be conspicuously noted on customer communications, even if the communication is not a collection letter. Therefore, the disclosure, "This is an attempt to collect a debt and any information obtained will be used for that purpose" is included on all of our correspondence. However, the statement does not reflect the status of the account. Pursuant to Mr. [redacted]'s request, a request to perform a "call back" has been entered. If Mr. [redacted] has any further questions, he may contact their account representatives Jalana N. at ###-###-####, extension [redacted], or Jerry 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. Sincerely, Shea [redacted] Customer Service Correspondence Supervisorcc:[redacted], [redacted], LEXINGTON, KY 40503 [redacted]

I am rejecting this
response because:
At this time, I
have been informed that this will take 7 to 10 days to correct since 5/31/16. I
would like this Revdex.com case to remain open until the issue has actually been
resolved. A "do not call" request has never been placed on my account
by my husband or myself. I demand this be removed ASAP. I was called 2
times in May demanding payment when the reallocations department erroneously put
in to retuned checks. Also why was I not informed by one of the multiple
supervisors I spoke to that there was a do not call on my account? Again
I demand the DO NOT CALL be removed from my account ASAP and this payment issue be resolved in 7 - 10 days as promised several times before.

RE: Case#[redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding the referenced account with Ditech Financial LLC (Ditech). Bankruptcy court records indicate that Ms. [redacted] filed Chapter 13 Bankruptcy on June...

1, 2012, case number [redacted] and as a creditor, we were notified. Please be aware that when a consumer files bankruptcy there is not an option to choose which debts will be "included" in the action. All debts must be declared and any secured property becomes property of the estate of the Bankruptcy. Ms. [redacted] should also be advised that while an account is in active bankruptcy status some restrictions in the information available are required to comply with bankruptcy statutes. Direct contact with the customer is not always allowed and contact must often be made through the representing attorney. Our records indicate that responses to her concerns have been made on July 31, 2015, September 22, 2015 and November 12, 2015. Copies of these responses are attached for Ms. [redacted]'s review. We apologize for Ms. [redacted]'s dissatisfaction, unfortunately, until a full account reconciliation is completed and the bankruptcy status is removed from the account, as a result of discharge or dismissal, regular monthly statements as they may be considered a form of collection activity, and other account information will not be available on our website or by mail. An informational statement is provided monthly to allow remittance of a monthly payment. According 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 borrower. Please note, as a result of the current bankruptcy status fees and costs may be charged to the account. Our records indicate that Ms. [redacted] and her attorney have previously been advised of Ditech's right to assess attorney fees to the account. The due date for the account is the 1st day of each month. If a payment is not received in full by the due date, the account will be past due. If a payment is not received in full by the end of 15 days after the due date, a late fee may be assessed. Ms. [redacted] should also note that late fees have not been assessed to the account except for on January 17, 2015, as the monthly payment for January 1, 2015, was not received until February 2, 2015. The current balance of late fees is $28.00. A review of the account indicates that payments have been correctly applied to the account. Payments received are processed within 24 hours. Due to the bankruptcy status of the account, funds received may have been delayed in their application, as they must be manually released for posting towards the account. A review of the account indicates that no large delays in payment application have occurred. All payments are backdated to the date of receipt to ensure they are correctly credited to the account. We again apologize for any dissatisfaction Ms. [redacted] may have as a result of the servicing of the account. She may contact the Bankruptcy Department for any concerns about the account at ###-###-####.If [redacted] has any further questions, she may contact her account representative Bradley L. at ###-###-####, extension [redacted], or Mario 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] SACREMENTO, CA 95811 [redacted]

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). Records indicate that a payment of $2,533.78, was received on July 14, 2016, with an enclosed escrow...

shortage payment coupon and was therefore, applied to Mr. [redacted]'s escrow account. Pursuant to his request made with Customer Service the payment was requested to be reallocated to the July 1, 2016, contractual payment on July 19, 2016. Unfortunately, due to our recent system upgrade, an extended delay in completing reallocations requests has occurred. The referenced payment was correctly applied to the July 1, 2016, contractual payment on August 8, 2016, the late fee of $78.95 assessed as a result of the reallocation delay waived, and the payment backdated to the date of receipt to ensure proper crediting of the account. A review of the credit reporting for Mr. [redacted]'s account confirms that the account has been reported as current. Negative reporting has not occurred as a result of this issue. If Mr. [redacted] has any further questions, he should contact his account representative Kelli L. at ###-###-####, extension [redacted], or Jerry 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. Sincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] OCEANSIDE, CA 92058 [redacted]

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). As stated in our previous response, the processing time on a claim, once all documents are received, is 7-10 business days. The material estimate was received on July 18, 2016, and we disbursed a check for the amount of $3,480.98 to Mr. and Mrs. [redacted] on August 02, 2016. In addition, correspondence outlining the insurance claim procedure and required documents was mailed to Mr. [redacted] on July 20, 2016. A copy of which has been enclosed for your reference. As of this date we have not received the required documents to release the remaining insurance funds. Please note that we will not apply any insurance funds to the principal balance of the account, unless requested by Mr. and Mrs. [redacted]. If [redacted] has any further questions, he should contact his account representative Vivian H. at ###-###-####, extension [redacted], or Mario 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.

I am rejecting this response because:Fundamental question of changing loan officers every few months, asking for the same documents again and again to frustrate the consumer have not been answered. Even now, lot of documents requested have already been submitted. I am attaching screenshots where I submitted the requested documents. I am positive the new loan officer Wendy will leave in a month and a new loan officer will ask for the same documents again. It is frustrating, sad and shocking to see this behaviour.

We apologize for the inconvenience and dissatisfaction that this matter has caused. However, as communicated in our previous response, unless an actual tax bill is available, we have to base our escrow payment calculations off of the previous year's disbursements. We are unable to assume what the tax figures may be and create an escrow payment based on assumed figures. At this time, we consider this matter resolved, as Ms. [redacted] has already remitted the full escrow shortage payment and the monthly payment amount has been adjusted accordingly.

RE: Case#[redacted] , [redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech).Please be advised, we have verified that there has been no reporting on account [redacted] with Equifax,...

TransUnion and Innvois. Experian is showing the account as settled as of February 20, 2013. We have also verified that all four credit bureaus have deleted the tradeline for account number [redacted].Please note that we are unable to compensate you monetarily as requested.If [redacted] has any further questions, they should contact Customer Service Department 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], IRVINE, CA 92612 [redacted]

Final Consumer Response /* (2000, 5, 2015/12/16) */
As it turns out , I received the check today .. Late , but its here ... I hope there is at a minimum a "black mark" applied to the Revdex.com ratings .. thank you for the help ..

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 Mrs. [redacted]'s request for Ditech to complete the Affidavit of Forgery Form from her bank was forwarded to our Compliance and Legal Departments for review. Unfortunately, they have declined to complete the form. As previously advised, we have researched Mrs. [redacted]'s account and our records thoroughly and cannot find that Ditech has received the payment, which was sent by Mrs. [redacted] via check 4652, in the amount of $1,504.00. We have also confirmed with our Human Resources Department that we did not have an employee with the name of [redacted] that worked at Ditech in 2017. If Mrs. [redacted] has any further questions, she may contact her account representatives Dionne C. at ###-###-####, extension [redacted], or Amber B. 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 am rejecting this response because:
[redacted]Ronkonkoma, NY 11779 RE: Case # [redacted]Mediation Coordinator/ Data Quality Specialist Dear [redacted],Thank you for your assistance with this matter regarding Ditech Financial LLC. I'd like to begin by saying that Ditech was aware of the quarterly taxes that they should have been paying to Lakeridge Tax District over the past three quarters because they had paid them in January when they were billed. The first time the taxes were delinquent was in May.  That is when the taxing agency, Lakeridge contacted me. I was told they send a bill but Ditech never made a payment. At that point I went online to look at my account to determine what was going on, but couldn't clarify anything because none of the transactions were labeled properly, most were labeled miscellaneous.  Due to the lack of clarity on my account online I called Ditech to ask them if they received the bill and could they please pay it. I asked the representative to check my account to make sure Lakeridge Tax District was included as a bill that they needed to pay. I was told that they didn't see anything and to call back in two weeks because they needed time to investigate. After numerous phone calls and being told to call back they never resolved this issue or gave me a satisfactory answer. I've been getting the runaround from them for four months.  No one seems to know what is going on or able to help me or even give me an answer.  The taxing agency, Lakeridge also contacted them and was not able to get anywhere either.  Documentation was forwarded to them as per their request but they never followed up or did anything or paid the taxes. It was only this month that I got anywhere when I threatened to call the State Attorney's Office and I filed a complaint with the Revdex.com. I will be completely satisfied with this interaction when the taxes are paid for the past three quarters. According to my statements $592.99 is taken out each month for taxes and insurance, which comes to a total of  $7107.48 a year.  They are not paying my homeowners insurance, I am paying it separately. When calculated for  the year the City of Torrington taxes and the Lakeridge tax district totals $6839.20.  The City of Torrington tax totals $2615.08 a year and the Lakeridge tax district totals $4224.12 a year. Therefore if they are not supposed to be paying my taxes as indicated in their letter, where is all my money going? I hope this gives you a clear view of my frustration and aggravation with this company.  I hope this issue can finally be resolved without having to take legal action.  Thank you for your time and assistance with this issue.Sincerely,[redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).Records indicate the reason the private mortgage (PMI) denial letter was mailed to Mr. [redacted] advising he had mortgage payments that were late was because his...

September 1, 2015 payment was not applied to his account until October 2, 2015. However, this payment was backdated to September 9, 2016; therefore, Mr. [redacted] does have the option to cancel the PMI.Before we order an appraisal, we would like to inform Mr. [redacted] that his PMI will automatically terminate on September 1, 2016, with no appraisal. As advised, Mr. [redacted] does have the option of cancelling his PMI sooner, however, the cost of an appraisal is approximately $300.00 to $500.00. Also, it will take approximately three weeks to order and obtain the appraisal. If Mr. [redacted]'s account qualifies to cancel the PMI after obtaining the appraisal, the PMI would be cancelled as of the date of the appraisal.If Mr. [redacted] would still like to go forward with ordering an appraisal, he may fax a letter to me directly at ###-###-####.If Mr. [redacted] has any further questions, he should contact his account representative Christopher M. at ###-###-####, extension [redacted], or Ina H. 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 am rejecting this response because:
I am way below the 78% of the original appraisal, Ditech can remove the PMI according to the law but has chosen not to. I am not a risk as I pay early every month and have even paid down the premium. At anytime after I hit the 78% they could of released the PMI, the money I save each month on PMI is more I could put toward the principal to get away from this company sooner.Ditech is known already as the worst mortgage company in the area due to the horrible customer service. This is one of many reasons I will NEVER use them or recommend them. They could do the right thing but choose to take advantage of customers instead.

Better Business,I have attached my consent form for the Revdex.com and DITECH to discuss and use my personal information regarding this complaint. We wish to more forward.[redacted] Agee

April 21, 2016 [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA 220 S RIVER RIDGE CIR BURNSVILLE MN 55337            RE:  Case #[redacted] Jr. Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by regarding his/her account with Ditech Financial LLC (“Ditech”). We understand Mr. [redacted]’s concerns. Please be assured that his correspondence has been reviewed with the appropriate department management and the following response is provided.         Pursuant to the correspondence received, an additional request for information related to the property taxes disbursed was completed. We apologize for incorrectly stating that the June, 2015 property taxes were disbursed directly to Mr. [redacted]. Account records indicate that an escrow analysis was completed to allow Mr. [redacted] to personally make the property tax payment, but the disbursement was actually processed by our third party vendor, CoreLogic, and sent to Franklin County on June 15, 2015. A copy of our previous response, provided to Mr. [redacted] on June 29, 2015, in relation to the property taxes delayed due to property description, is enclosed for his reference. The last payment for property taxes was disbursed on April 11, 2016 and the property taxes have been confirmed as current. The next disbursement for property taxes, in the amount of $1,469.58, is scheduled to occur on or before December 1, 2016. Mr. [redacted] may contact CoreLogic directly at ###-###-#### for further information or concerns about the payment of property taxes. 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/49/ [redacted]

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 on May 16, 2016, check number 996204 in the amount of $180.00 was returned to [redacted]...

to the address listed on the check. As this payment was returned and never posted to the account, we are unable to update the credit reporting as requested.If [redacted] has any further questions, they should contact their account representative Nicole C. at ###-###-####, extension [redacted], or Daniel G. 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], [redacted], SN BERNRDNO, CA 92427 [redacted]

RE: Case#[redacted], [redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech).Account records indicate that a payment in the amount of $1,445.59 was received on March 31, 2016. This...

payment was returned on April 5, 2016 due to an invalid bank account number. Due to the returned payment your payment in the amount of $1,300.00 that was received on April 13, 2016 was applied to the March 1, 2016 due date. On May 23, 2016 a payment in the amount of $1.350.00 was received and applied to the April 1, 2016 due date. As of today’s date, your payment of $2,473.74 is due for the May 1, 2016 and June 1, 2016 due dates. There is an outstanding late fee balance of $190.99 and a current balance of $113.13 in unapplied funds.If you believe this information is incorrect we will require proof of payment. Proof of a payment includes one or more of the following: legible copies of the front and back of the cashed money order or check, legible unaltered copies of your bank statement for the period the payment was processed, or legible receipts for Western Union, Money Gram, etc.If [redacted] has any further questions, they should contact their account representative Jasmine W. at ###-###-####, extension [redacted], or Johnny 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. Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted], [redacted], EIDTINGTON SHORES, FL 33785 [redacted]