Ditech Financial, LLC

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.

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 The check was not cashed and we placed a stop payment on it; therefore, the check was no longer valid when she attempted to cash it.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 1, 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 his...

account with Ditech Financial LLC ("Ditech").
As previously advised in our correspondence dated December 11, 2015, our records show that the tax exemption has not yet been approved for 2016. After the tax exemption is approved, Mr. [redacted] may resubmit his request so that we may update the tax information on the escrow account accordingly.
If Mr. [redacted] has any further questions, she should contact his account representative Stephen K. at ###-###-####, extension [redacted], or Emmanuel 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., and Saturday 7:00 a.m. to 1:00 p.m. CT.
Sincerely,
Vanessa [redacted]
Customer Service Correspondence Supervisor
/lqh/29/
cc: [redacted], Fort Pierce, FL 34945
(Case Number [redacted].pdf)

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

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.

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.

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:  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]

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.

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 already sent this signed form giving permission to release information.

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.

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.

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.

Please see the attached Authorization form.

Initial Business Response /* (1000, 5, 2016/02/12) */
February 12, 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 Ms. [redacted]'s concerns. Ditech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. The appropriate department management was notified of his concerns and the issues have been addressed accordingly.
To better serve our customer's, Green Tree Servicing LLC and Ditech Mortgage Corp combined to form Ditech Financial LLC, known as Ditech, a Walter Company, effective August 31, 2015.
Both companies are owned by Walter Investment Management Corp. By combining forces, we are able to give our customers to a broader variety of home financing products and improved customer service through a single point of contact.
In connection with the concerns outlined in Ms. [redacted]'s letter and in verification of her debt with the original creditor, we have obtained and are enclosing a copy of the Manufactured Home Retail Installment Contract and Security Agreement that she signed. If after reviewing the Manufactured Home Retail Installment Contract and Security Agreement, she still disputes the validity of your debt, please provide us with further detail in support of your assertion, including any available supporting documentation (e.g., affidavits, cancelled checks, police reports, etc.). This documentation should be mailed to the above address for further research and we will respond accordingly.
We are confident the information provided adequately resolves this matter. Should Ms. [redacted] require any additional assistance, she may contact our Asset Receivables Management Department at (877) [redacted] between the hours of Monday - Thursday, 6:00 a.m. - 7:00 p.m. MT, and 6:00 a.m. - 12:00 p.m. MT.
Sincerely,
Sara [redacted]
Customer Service Correspondence Supervisor
/db/32/
CC: [redacted]. Austin AR 72007
Initial Consumer Rebuttal /* (3000, 7, 2016/02/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the home was through Consico, not Greentree or Ditech. There was also a court case regarding it due to a purchaser who took over the home, sold it for more than it was originally, kept all the money, and didn't have the title for the new owners. any money owed on this house needs to be directed to the person who took it and sold it. I have never had anything to do with this and I was released by the courts of having anything to do with it.or having ever owning the home.
Final Business Response /* (4000, 9, 2016/02/22) */
February 22, 2016
[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN XXXXX
RE: Case #XXXXXXXX [redacted]
Dear Ryan [redacted]
Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial, LLC ("Ditech").
We understand Ms. [redacted]'s concerns. Ditech's mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. The appropriate department management was notified of his concerns and the issues have been addressed accordingly.
Green Tree Financial Corporation merged with [redacted] Inc., in June 1998. On November 1, 1999, Green Tree Financial Corporation officially changed its name to [redacted] Finance Corp, and was one in the same. On June 23, 2003, the parent company of Green Tree Servicing LLC ("Green Tree") purchased the assets of [redacted] Finance, through a §363(f) bankruptcy auction sale, free and clear of claims and liabilities. The portion of [redacted] Finance that was sold to Green Tree included the servicing businesses for manufactured housing, home equity and home improvement loans, and the Agency business. Green Tree makes this response in part, based upon [redacted] Finance records.
As previous indicated Green Tree Servicing LLC and Ditech Mortgage Corp combined to form Ditech Financial LLC, known as Ditech, a Walter Company, effective August 31, 2015.
Both companies are owned by Walter Investment Management Corp. By combining forces, we are able to give our customers to a broader variety of home financing products and improved customer service through a single point of contact.
We are confident the information provided adequately resolves this matter. Should Ms. [redacted] require any additional assistance, she may contact our Asset Receivables Management Department at (XXX) XXX-XXXX between the hours of Monday - Thursday, 6:00 a.m. - 7:00 p.m. MT, and 6:00 a.m. - 12:00 p.m. MT.
Sincerely,
Sara [redacted]
Customer Service Correspondence Supervisor
/db/43/
CC: [redacted]. Austin AR XXXXX

Initial Business Response /* (1000, 5, 2015/06/22) */
June 22, 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 Ms. [redacted] regarding her account with Green Tree Servicing LLC ("Green Tree"). Let me assure you we take these matters very seriously.
We understand Ms. [redacted]'s concerns. Please be assured the correspondence was reviewed with the appropriate department management and the following response is provided.
Green Tree would like to apologize that Ms. [redacted] did not received the level of customer service that she should expect from Green Tree. Please be assured, appropriate department management has been notified, and the issue has been addressed with the account manager referenced in the complaint. Green Tree's mission is to provide exceptional levels of service and we strive to recognize opportunities for improvement.
As a result of our review, appropriate action has been taken and Ms. [redacted] has been assigned a new account manager. If Ms. [redacted] has additional account questions, she can contact Account Representative, Tara M., at (800) [redacted] extension [redacted], Account Manager Ina H., at extension [redacted], or our Customer Service Department at (800) [redacted], Monday - Friday 7 AM to 8 PM, and Saturday 7 AM to 1 PM CT.
Sincerely,
Nikki D[redacted]
Customer Service Correspondence Supervisor
/rgf/47
cc: [redacted], North Providence, RI 02904
Initial Consumer Rebuttal /* (2000, 7, 2015/06/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/07/15) */
July 15, 2015
[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN 55337
RE: Case # [redacted], [redacted]

Dear...

[redacted],
Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Green Tree Servicing LLC ("Green Tree").
The servicing of Mr. [redacted]'s account was transferred from Everhome Mortgage ("Everhome") to Green Tree effective May 16, 2014. This transfer of servicing did not affect any terms or conditions of the mortgage instruments other than the terms directly related to the servicing of the account.
Pursuant to his contract, the servicer may pay necessary expenses, including fees and/or interest in order to protect their security interest in the collateral and then seek reimbursement from him. Records reflect Everhome conducted inspections as a result of the account delinquency and assessed the fees for the inspections to the account as corporate advances.
The inspections consist of an informal inspection conducted from the exterior of the property and are performed in order to ensure that the property is not vacant, and the property is being maintained in accordance with city codes. The inspections are done when the loan becomes delinquent, and the cost of the inspection is charged to the account in accordance with his signed loan agreement and can vary in amount.
Enclosed is a breakdown of the assessed inspection fees totaling $116.00. The amount remaining due, which is reflecting on Mr. [redacted]'s billing statements, is $32.00.
We apologize for any dissatisfaction this matter may have caused. If Mr. [redacted] has additional account questions, he can contact Green Tree at (800) [redacted], 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,
Nikki [redacted]
Customer Service Correspondence Supervisor
/kas/40
cc: [redacted], [redacted], Allentown, PA 18103
Initial Consumer Rebuttal /* (3000, 7, 2015/07/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Don't know where to begin with this! My mortgage company is stating the reason there is a $32.00 fee on my account is from a an inspection my previous mortgage company did (Everhome Mortgage). I still feel there is an error and I have called a number of times and no one is correcting this. First of all, whenever I contacta Greentree they have no clue as to why there is a $32.00 fee every month on my acct. Then they all give me a different reason for that charge. Second, in May 2015 I paid my full balance plus the extra fee and it's still showing on my statement. Third, and this doesn't make sense but I just got a check for $10.00 from my previous Mortgage company for an inspection I over paid. I have no Idea what to do about this. On Monday 7/20 I spoke with a supervisor to see if we can get this resolved and she said she will research this and call me back so far I yet haven't heard from her. I also called my previous Mortgage company and they have no record regarding my account anymore...but I did get a check for $10.00 from them on 7/18.
Final Business Response /* (4000, 9, 2015/07/31) */
July 31, 2015
[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN 55337
RE: Case # [redacted], [redacted]

Dear [redacted],
Thank you for the opportunity to respond to the complaint rebuttal filed by [redacted] regarding his account with Green Tree Servicing LLC ("Green Tree").
The $32.00 was the net amount remaining due for several property inspections that were conducted by Everhome Mortgage ("Everhome") from February 2010 through April 2014. Records reflect Mr. [redacted] did pay the $32.00 fee in full with the payment received on May 10, 2015. Unfortunately, the $32.00 was applied to the escrow account instead of toward the corporate advance balance. Please be advised, the $32.00 was reversed from the escrow account and applied to the corporate advance balance on July 22, 2015. The advance balance is now paid in full.
The account was transferred to us with the outstanding corporate advance balance for the inspection fees. If Mr. [redacted] recently received a check from Everhome indicating it was sent to him because he overpaid the inspection fees, he can provide us with a copy of the check and correspondence he received for additional review.
We apologize for any dissatisfaction this matter may have caused. If Mr. [redacted] has additional account questions, he can contact Green Tree at (800) [redacted], 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,
Nikki [redacted]
Customer Service Correspondence Supervisor
/kas/56
cc: [redacted], [redacted], Allentown, PA 18103

I must reject this response until the vague re-allocation is presented in writing.  At the same time Ditech presented this resolution, I received a new billing requiring payment of $2020.93.  If escrow balance is now at zero as they stated, then the only new payment required for January is $985.86.  That auto pay is scheduled to be received by Ditech on 1/15/2017, not the $2020.93.  Typical Ditech lack of response continues.  I have attempted to contact Nicole ext [redacted] twice; Nicole was the supervisor who agreed verbally to the proper resolution on December 14th - unfortunately no response.  I then left two voice mail messages for Bobby M, ext [redacted] with no response.Once again, this is simple math.  Since Ditech has agreed the proper escrow funds have now been reallocated, the only other issue is that the proper auto payment of $985.86 is the only balance due.  As soon as I receive the written statement (as they have already indicated) the the escrow balance is zero and only the monthly mortgage balance of $985.86 that is out standing, I will agree to sign off on this resolution.  When I receive a billing  of a much larger payment than agreed upon, I tend to doubt their veracity. Full and complete disclosure is all I ask, very simple, spell it out completely.