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 the inconvenience and dissatisfaction that this matter has caused Mr. [redacted]. Our mission is to...

provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. Please be advised that our Escrow Department has waived the requirement for Mr. [redacted] to obtain a current appraisal of his property. In order to determine the property value we ordered an Automated Valuation Model (AVM), which indicated that the property was valued at $289,720.00. The referenced property value was sufficient to remove the Private Mortgage Insurance (PMI) from Mr. [redacted]' account. A new escrow analysis will be completed for Mr. [redacted]' account to reflect the removal of the PMI and to adjust his monthly payment amount. An Annual Escrow Account Disclosure Statement will be sent to Mr. [redacted] under separate cover. If [redacted] Maas has any further questions, he may contact his account representatives Rocelia D. at (800) [redacted] extension [redacted], or Santos 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.

March 15, 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]...

[redacted] regarding her account with Ditech Financial LLC ("Ditech").
Please note, Green Tree Servicing LLC and Ditech Mortgage Corp combined to form Ditech Financial LLC, known as Ditech, a Walter Company, effective August 31, 2015. This was a name change only and had no affect on the terms and conditions of the referenced account.
Records reflect the loan was paid in full and closed on June 16, 2015. On September 18, 2015, we received a refund check in the amount of $779.61 from the insurance company, USAA Casualty Insurance. Because the account was paid in full, we generated a reimbursement check to [redacted] on October 14, 2015. The check was not cashed and we placed a stop payment on it; therefore, the check was no longer valid when she attempted to cash it. According to [redacted], she sent the check back to us in order to have it reissued. Regretfully, the check was misplaced, which caused a delay in the reissuance.
Please be advised, today we reissued the check and it will be sent via regular mail to the address below:
[redacted]
Boles, AR 72926
[redacted] should expect to receive the check within the next two weeks. Please note, she requested that we reissue the check in her new married name; however, we did not have the appropriate documents on file to comply with her request. Therefore, she agreed to have it reissued in her maiden name of [redacted].
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 (800) [redacted], Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.
Sincerely,
Nikki [redacted]
Customer Service Correspondence Supervisor
/kas/41/
cc: [redacted], Boles, AR 72926

March 31, 2016[redacted]Revdex.com OF MINNESOTA AND NORTH DAKOTA220 S RIVER RIDGE CIRBURNSVILLE MN 55337            RE:  Complaint ID # [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 indicated in our previous response, [redacted] needs to provide Ditech with a signed letter requesting to cancel the private mortgage insurance (PMI).  The letter should also indicate that he agrees to allow us to obtain an appraisal, at his expense, and charge the appraisal fee to the account.  Pursuant to his request, enclosed is the Authorization for Appraisal form he can sign and return with his letter.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,Nikki [redacted]Customer Service Correspondence Supervisor/kas/58/cc: [redacted], [redacted], Richmond, CA  94806

I am rejecting this response because:
They are telling me what I told you they fail to address the high interest rates with little on principalpaid or them stealing my money from payments for escrow. No but hell no I reject their explanation as it is false

We apologize for any dissatisfaction that this matter has caused Ms. [redacted]. Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. Our records indicate that we have not spoken to Ms. [redacted] via telephone since August 23, 2016....

We apologize if she was provided an incorrect contact number. Please note that our customer service number is listed on our website, billing statements and all other correspondence sent by Ditech. Please be advised, we have not received an additional insurance premium bill from Ms. [redacted]'s insurance company, nor did we receive a copy of the insurance premium bill from Ms. [redacted]. However, we issued a premium payment of $19.00 to Erie Insurance Exchange for Ms. [redacted]'s insurance policy on May 09, 2017.

April 19, 2016 [redacted] Revdex.com OF MINNESOTA AND N**TH DAKOTA 220 S RIVER RIDGE CIR BURNSVILLE MN 55337            RE:  Complaint ID #, [redacted], [redacted] J. [redacted] Dear [redacted]: Thank you f** the...

opp**tunity to respond to the complaint filed by [redacted] J. [redacted] regarding her account with Ditech Financial LLC (“Ditech”).  The Internal Revenue Service (IRS) requires us to use the M**tgage Interest Statement (F**m 1098) to rep**t m**tgage interest of at least $600.00 that we received in a calendar year.  However, acc**ding to the IRS, we do not rep**t points on the F**m 1098 from refinancing because the points are rep**ted on the Truth in Lending document at the time of **igination.  Rec**ds reflect a c**rected F**m 1098 was issued because the first F**m 1098 included points in the amount of $498.00.  [redacted] J. [redacted] should consult a tax advis**, a tax publication ** the IRS regarding how to c**rect any pri** tax filings as a result of the c**rected F**m 1098.  Her request f** us to pay a tax preparer to c**rect any previous tax filings has been denied. We again apologize f** any dissatisfaction this matter may have caused.  If you have any further questions ** concerns, please do not hesitate to contact our Customer Service Department at (800) 643-0202, Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.  Sincerely, [redacted] Customer Service C**respondence Supervis[redacted] cc: [redacted] J. [redacted], [redacted], **  [redacted] Tell us why here...

I am rejecting this response because:  I asked multiple times to have the check overnighted to me; however, Ditech has chosen not to.  In my last conversation prior to filing the complaint, I was told that the check would not be released to me until July 27th, interest would not be paid to me, and the check would not be overnighted.  It's interesting to me that the check was issued two days after I filed the complaint.  I've since received the check; however, it does not contain any interest payment and the attached response from Ditech does not provide any explanation for not paying interest.   I received a phone call from a woman identifying herself as Patty of Ditech on 7/15/16, and at the end of our conversation, she indicated she would be pursuing the question of interest at my request.  She stated she would call me during the week of 7/18-7/22 to ensure I received the check; however, I've not received any response from her.  Ditech held our money for an unreasonable amount of time.  Until Ditech pays interest for the time they held our money beyond any legal requirement, this complaint is unresolved.[redacted]

We apologize for any inconvenience or dissatisfaction that this matter has caused. Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. We apologize for any dissatisfaction Mr. [redacted] encountered in dealing with our...

associates. Our policy and practice is to conduct all communications in a courteous and professional manner and to, at all times, treat our customers and third parties with respect. Please be advised that Mr. [redacted]'s payment of $424.02 for the May 01, 2017 due date was applied to his account on June 01, 2017, which caused his account to be reported as delinquent to the credit reporting agencies; however, the payment was backdated to May 31, 2017 to ensure proper credit to his account. Therefore, Ditech has submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) to remove the delinquency reported for the May 2017 payment. The individual credit reporting agencies may take up to 3-5 business days to update their systems. We apologize for any difficulties Mr. [redacted] has encountered when attempting to enroll his account in our automatic payment program (ACH). Please note that while there is a payment due, the account is not eligible for enrollment. The account must be brought current prior to enrolling in the program. At this time, Mr. [redacted]'s account is past due for the June 01, 2017 payment and is not eligible. Once the account is brought current Mr. [redacted] may submit an ACH application, which can be obtained from our website or from Customer Service.

Thank you for the opportunity to respond to the rebuttal filed by Jennifer [redacted] regarding her account with Ditech Financial LLC (Ditech). As previously advised, during a trial period plan, funds received are credited toward the trial schedule, but held from posting until the time that a full contractual payment is received. Once the full contractual payment is received, the funds are then posted to the oldest payment due. Any remaining funds are then held towards the next full contractual payment or until the trial has completed. Once the trial plan has completed, additional funds received, will hold from applying until the final loan modification is performed. These payments will be applied as post-mod payments. After Ms. [redacted] payment of $1,183.87 was received on December 4, 2015, and applied to the November 1, 2015 due date, we received a payment of $60.00 on December 8, 2015. These funds were combined with the unapplied funds and $1,143.02 was applied to the December 1, 2015 due date and $16.62 was applied as a principal reduction. On January 5, 2015, we received a payment of $1,183.87 and $1,143.02 was applied to the January 1, 2016 due date and $40.85 was applied as a principal reduction. Ditech has not assessed any late fees to Ms. [redacted] account.If Ms. [redacted] has any further questions, she may contact her account representatives Darlene W. 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:
Ditech chooses to apologize because they were caught. Ditech needs to move my loan to a bank that does not lie and steal from customers. Yes you are liars and thieves. Revdex.com you can close this complain because I'm sure Ditech pays you plenty to keep from having an F rating.

I am rejecting this response because:
- I already sent this signed form giving permission to release information.

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We sincerely apologize our previous response was directed to the co-borrower on the account, [redacted].Please find enclosed a copy of the Private Mortgage Insurance Disclosure that Ms. [redacted] signed on June 14, 2013. This disclosure advises that if the account is current, the PMI will automatically terminate on the date the principal balance of the account is first scheduled to reach 78% of the original value of the property, which is September 1, 2016.The PMI will be cancelled during the month of September 2016. Once processed, it will be cancelled with an effective date of September 1, 2016. It may take up to two billing cycles before it is reflected on the monthly billing statement. Once cancelled, Ms. [redacted] will receive a letter advising that the PMI has been removed. This response will also be mailed to Ms. [redacted].If Ms. [redacted] has any further questions, she should contact her account representative Christopher M. at ###-###-####, extension [redacted], or Shanna S. 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., and Saturday 7:00 a.m. to 1:00 p.m. CT.

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 have not received sufficient evidence to support Ms. [redacted]'s claim of forgery. The signatures on her complaints regarding the account and the signature on the hardship letter and short sale documents, which were previously provided are similar enough for our fraud review team to conclude that they were signed by the same individual. We will continue to note in the system of record that Ms. [redacted] is the original contract signer. If [redacted] has any further questions, she may contact her account representative 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.

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 apologize for any inconvenience or confusion 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 Ms. [redacted] filed Chapter 7 Bankruptcy on February 01, 2016 and did not reaffirm this debt. Without a reaffirmation of debt, we are prohibited from reporting an account balance and payment history. Ms. [redacted]'s credit report will continue to indicate this as a bankruptcy account. Once the loan has been paid in full, we may then report to the credit reporting agencies that the loan was paid in full as agreed and remove the bankruptcy indicator so that Ms. [redacted] receives credit for honoring her obligation. For further information regarding reaffirming a loan, Ms. [redacted] will need to contact her bankruptcy attorney. If [redacted] has any further questions, she may contact her account representatives Eric D. 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.

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech). We sincerely apologize for any inconvenience or dissatisfaction Ms. [redacted] has encountered with the escrow refund check. Our mission is to provide exceptional...

levels of servicing and we continuously strive to recognize opportunities for improvement. Records indicate that the escrow refund check, in the amount of $58.30, was reissued to Ms. [redacted] on July 22, 2016. If Ms. [redacted] has any further questions, she should contact her account representative Tyler H. at ###-###-####, extension [redacted], or Daniel T. 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.

Pursuant to [redacted]'s correspondence, a review of the account determined that when the servicing of the loan transferred to us from Amerifirst Financial, Inc. on August 1, 2015, the property tax information was not immediately loaded into our servicing system. Therefore, property taxes for the account were verified by our third party vendor [redacted], and entered into our system as with the Navajo County Treasure's office, using the parcel number provided to us by Amerifirst Financial, Inc., and paid accordingly. On May 20, 2016, our third party vendor, received a returned check, in the amount of $471.85, which resulted in the opening of an investigation. Research confirmed that property tax payments had been disbursed to the wrong county and corrections were made.Records indicate that Ms. [redacted] contacted us on May 25, 2016, concerning delinquent property taxes, at which time it was confirmed that the information on file was incorrect and an investigation into the matter was in progress. On July 1, 2016, a payment, in the amount of $1,297.32, was disbursed for the payment of the delinquent property taxes due to Gila County. Ms. [redacted], may be assured that any penalties or interest charges that were assessed were paid by Ditech and have not been charged to her escrow.At this time, we have confirmed that request to be refunded for the remaining amount of property taxes disbursed to Navajo County, in the amount of $471.85, has been made. When the funds have been received they will be reapplied to Ms. [redacted]'s escrow. When the additional refund is received from Navajo County, an additional escrow analysis may be completed to further reduce the monthly payment. We apologize for any dissatisfaction this matter may have caused.

March 15, 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 her...

account with Ditech Financial LLC ("Ditech").
We understand [redacted]'s concerns. Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided.
You have the option of making a payment via the telephone or via our online Speedpay option. Speedpay is an unaffiliated third party vendor contracted by Ditech. When using this option, you will be notified immediately that the service is being provided by Speedpay and that a Speedpay vendor fee of $12.00 will be assessed for the service. There is currently no other option for our customers to make a one-time payment online without assessing a processing fee. We apologize for any inconvenience this may cause.
Our automatic payment program has no additional fee assessed with the payment each month. With this program, your monthly payment is automatically debited on the date that you select. The date selected cannot extend past the late charge date. The debit will occur on the first business day after the date selected if the date selected falls on a weekend or a holiday. An application for the automatic payment program can be located on our website.
You may also utilize your bank's bill pay service this service is usually offered with no additional cost to the customer. Please be aware, when submitting payments via bill pay it may be remitted from you bank to Ditech by mail.
We would like to invite you to visit our website at www.ditech.com. We are continually working to make improvements in order to provide the best service for our customers and have upgraded our website with new features to better serve you. You may now enroll to receive alerts regarding your account. In order to sign up for this program, please complete the following steps:
1. Register and/or log into your account at www.ditech.com.
2. Hover over the Messages and Alerts tab and click on Alert Preferences.
3. Enter your email address and/or your cell phone number and click on the box to agree to receive information and alerts.
4. Click on Save Preferences and you will receive a confirmation message.
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 (844) [redacted], Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.
Sincerely,
Shea [redacted]
Customer Service Correspondence Supervisor
/ars/35/
cc: [redacted]
[redacted]
Walden, NY 12586

Pursuant to Mr. [redacted]'s correspondence, research into the referenced payment was completed, it was determined that the payment reversed from the account on February 1, 2017, was the payment of $340.69 originally made on December 31, 2016. The date that the reversed payment was received was listed...

on the returned payment notice sent to Mr. [redacted] on February 2, 2017. A copy of this notice is enclosed for Mr. [redacted]'s review.Our review found that a stop payment request, for the December 31, 2016 payment, was received from Mr. [redacted]'s bank on January 6, 2017. Although the stop payment request was received on January 6, 2017, it was not immediately processed. On February 1, 2017, the stop payment was processed and the amount of $340.69 was reimbursed to Mr. [redacted]'s bank. The amount of the reimbursement was taken from the last payment remitted for the account, which was received on January 31, 2017 and had been applied to the account for the February 1, 2017 payment. After the reversal of the $340.69, the remaining balance of the funds remitted on January 31, 2017, in the amount of $187.83, were placed in unapplied funds (UAF), until additional funds were available that would allow us to credit a full payment to the account. An additional payment of $340.69 was received on February 11, 2017, combined with the UAF balance of $187.83, and was credited to the February 1, 2017 payment of $340.69, with the additional funds of $187.83 being credited to the negative escrow balance.Mr. [redacted] should be advised that the reversal of the December 31, 2016 payment did not cause the current account delinquency. Our records indicate that no payments were remitted for the account in March; therefore, when the funds were remitted as payment in April, they were first applied to the March payment. As of the date of this letter, the account is due for the May 1, 2017 payment of $340.69, has $0.00 in unapplied funds, and an outstanding late fee balance of $200.18.

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. Please be advised we have Mr. [redacted]'s proof of insurance on file for California Casualty...

with effective dates of August 25, 2015 through August 25, 2016.However, we did not have proof of insurance for the Master Policy for Mr. [redacted]'s account; therefore, a lender placed insurance policy was purchased for the account effective May 26, 2016 through June 26, 2016. The cost of this policy was $311.78. Records indicate we attempted to obtain the Master Policy from Mr. [redacted]'s Condo Association and also attempted contact Mr. [redacted] to obtain the Master Policy; however the policy was never received.Please note, the account will continue to be billed by Ditech each time a policy is purchased unless we receive proof of the Master Policy. Mr. [redacted] may have his Condo Association submit proof of the Master Policy to e-mail [email protected], or they may also mail or fax proof of insurance to the below:Ditech Financial LLC, IAAOA [redacted]Miami, FL 33197-9282Fax #: ###-###-####Once we receive proof of the Master Policy coverage, the lender placed insurance will be canceled, with no premiums due.Further, the sale and transfer of servicing rights between financial institutions is a common occurrence in today's lending industry. These acquisitions do not require the permission of the debtor to take place. Please note that we are unable to facilitate Mr. [redacted]'s request to sell his mortgage to another institution as we cannot transfer an account upon a customer's request.If Mr. [redacted] has any further questions, he should contact his account representative Tyler H. at (800) [redacted] extension [redacted], or Daniel T. 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., and Saturday 7:00 a.m. to 1:00 p.m. CT.

I am rejecting this response because: Everything is not being told, that was stated during my first conversation I had with the first and second representative initiating the forbearance.  The first initial conversation with Dietrich representative is correct because I told them that I was not able to pay back the forbearance amount after the three months all at once.  I had a financial hardship of making my home livable again due to the mildew and mold, so I reach out again to Dietech concerning a loan forbearance explain the situation to the second representative.  They stated that they can add the months to the end of the 30 year loan and I excepted the terms of the forbearance and it was granted by Dietech.  I am not disagreeing on paying back the forbearance.  I am disagreeing on the terms of paying it back.  The only way that Revdex.com can understand my point of view is to obtain the recordings from Dietech and listen to them from when I initiated the forbearance.