Ditech Financial, LLC

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding an account with Ditech Financial LLC (Ditech). We would like to apologize for any dissatisfaction Ms. [redacted] has encountered with Ditech. Please be assured that her concerns were forwarded to the appropriate...

department for review. A check in the amount of $150.00 was requested on Friday, September 16, 2016, to be mailed via FedEx to [redacted]'s Appraisals. If Ms. [redacted] has any further questions, she may contact our Customer Service Department 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.

Initial Business Response /* (1000, 11, 2015/07/01) */
July 1, 2015
[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN 55337

RE: Case Number [redacted]
Dear [redacted]:
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] concerns. Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided.
Our records indicate that Ms. [redacted] contacted our office on June 19, 2015 to report a recent loss to the property. As normal practice, insurance companies issue the claim check in the name of the policyholders and the mortgage holder. As a result, endorsement of all parties is required in order to negotiate the check.
Based on the amount of the claim and the good payment history of the loan, we advised Ms. [redacted] that the physical check was required for our endorsement. Once received, we would endorse the check and return it to Ms. [redacted]. On June 23, 2015, Ms. [redacted] informed us that she attempted to deposit the check into her personal bank account. We are unable to sign the release form. In order to efficiently resolve this matter, Ms. [redacted] must request that her financial institution return the original check to her. Otherwise, State Farm will need to stop payment on the original check and reissue a replacement.
If you have any further questions or concerns, please contact Green Tree 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,
[redacted]
Customer Service Correspondence Supervisor
/jcn/30/
cc: [redacted], Alorton, IL 62207
Initial Consumer Rebuttal /* (3000, 13, 2015/07/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the check has been paid already but the bank has ahold on it because greentree needs to endorse.State farm can not stop payment on it because it has been paid. Green tree told me to send A photo copy that had been notarized so they could endorse. Sandy from regions bank fedexed the check and an overnite return envelope to them along with a form to sign. They said this was not acceptable. then they said the copy of the check needed to have the verbage this is a legal copy and have the bank manager to sign it.Sandy is on vacation she will return on July 6th. State farm said for Green tree and I to handle this.What green tree is telling you is different from what they told me.
Final Business Response /* (4000, 17, 2015/07/23) */
July 23, 2015

[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN 55337

RE: Case Number [redacted]
Dear [redacted]:
Thank you for the opportunity to respond to the rebuttal 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.
A notarized photocopy will not be sufficient for us to endorse the check. We apologize for any miscommunication regarding this matter. Ms. [redacted] must request that her financial institution provide her a legal copy of the original check. A legal copy of a check is specially formatted so it can be processed as if it was an original check. Upon receipt of the requested legal copy, we will promptly endorse the check.
If you have any further questions or concerns, please contact Green Tree 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,
[redacted]
Customer Service Correspondence Supervisor
/jcn/52/
cc: [redacted], Alorton, IL 62207

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding her account with Ditech Financial LLC (Ditech). Pursuant to Ms. [redacted]'s request, attempts for contact were made via telephone on November 16, 2016 and November 17, 2016 to discuss the status of her loss mitigation application. Unfortunately, we were unable to make contact with Ms. [redacted] during those attempts. She may return those calls to Randi L. at ###-###-####, extension [redacted], or Bradley L. at extension [redacted]. As of the date of this correspondence, no new documentation has been received; therefore, Ditech is unable to complete an evaluation or provide Ms. [redacted] with an approval or denial on the loan modification request. If Ms. [redacted] has any further questions, she may contact her account representatives Randi L. at ###-###-####, extension [redacted], or Bradley 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 complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any dissatisfaction Ms. [redacted] encountered during the modification process.Regarding a Home Affordable Modification...

Program (HAMP) Trial Period Plan, we are currently in the process of finalizing the HAMP Modification Agreement. A review of the account confirms that the following trial payments were made:01/30/2016: $1,541.76 was credited to the account 02/29/2016: $1,541.76 was credited to the account 03/31/2016: $1,541.76 was credited to the account 04/30/2016: $1,541.76 was credited to the account 05/31/2016: $1,541.76 was credited to the accountUpon the finalization of the HAMP Modification, a HAMP Agreement will be mailed to Ms. [redacted]. The HAMP Agreement will need to be properly executed and the original Agreement will need to be returned by the time indicted on the cover letter. Once the properly executed Agreement is received, we will apply the terms of the HAMP to the loan. However, if the Loan Modification Agreement is not returned, we will not be able to honor the modification and the account will continue to reflect the original contractual terms.If Ms. [redacted] has any further questions, she should contact her account representative Brian H. at ###-###-#### extension , 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 - Friday7:00 a.m. to 8:00 p.m., and Saturday 7:00 a.m. to 1:00 p.m. CT. [redacted]

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 apologize for any confusion 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. Please be advised that we have responded directly to Ms. [redacted] regarding these same concerns on June 20, 2016, July 07, 2016, July 29, 2016, January 17, 2017, February 15, 2017, and February 20, 2017. Copies of our previous responses have been enclosed for your reference. Our records indicate that we completed an escrow analysis for Ms. [redacted]'s account on January 04, 2016. The escrow account is analyzed by taking into account the total amount of the projected disbursements expected over the next 12 months and spreading them over 12 months to determine the "base" escrow amount. The projected disbursements are typically based on the cost of the previous year's disbursements and were calculated as follows: Projected Escrow Disbursements: County $6,304.02 Total Projected Escrow Disbursements: $6,304.02 Escrow Payment Calculation: $6,304.02 / 12 = $525.34 (Base Amount) According to Section 10 of the Real Estate Settlement Procedures Act (RESPA), Ditech is allowed to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments. If state law or mortgage documents allow for a lesser amount, the lesser amount prevails. Nevada, New York, and North Dakota state law does not allow this cushion. Montana, Utah, and Vermont only allow a one-month cushion. All other states allow a two-month cushion, which Ditech opts to maintain on the escrow account. As reflected on the Annual Escrow Account Disclosure Statement, the cushion for this account is $1,050.68. It was determined that Ms. [redacted]'s escrow account had a shortage of $897.94. A shortage occurs when the projected balance is less than the required balance. The escrow account is short in meeting the cushion requirement at the lowest point in the projected analysis. The escrow shortage balance was scheduled for collection over a period of 19 months at a cost of $47.26 per month. The total monthly payment was scheduled to increase to $2,049.97 effective with the March 01, 2016 due date. However, as reflected on the enclosed Escrow Account Disclosure Statement, if the escrow shortage was paid in full prior to March 01, 2016 the total monthly payment amount would be adjusted to $2,002.71. On March 11, 2016, we received two payments for the account, one in the amount of $898.00 and one in the amount of $1,933.00. The payment of $898.00 was applied to the escrow shortage; therefore, the amount due for the March 01, 2016 payment was $2,002.71. Since the payment of $1,933.00 was not sufficient to satisfy the amount due it was placed in unapplied funds, bringing the unapplied funds balance to $1,937.88. The payment hierarchy requires a full payment to be received before a payment can be applied to the due date. Partial payments received will be placed in unapplied funds. Unapplied funds are payments that have been received, but have not yet been applied to the account because the amount received is not sufficient to make a full payment. The funds will be held in unapplied funds until additional funds are received to satisfy a full payment. Once a full payment has been received, the funds will be removed from unapplied funds and applied to the account. Pursuant to the Home Affordable Modification Agreement (HAMP) that Ms. [redacted] signed, the interest rate would adjust to 4.000% effective March 01, 2016 and the monthly principal and interest payment would adjust to $1,694.51 effective April 01, 2016. Therefore, the total monthly payment was adjusted to $2,219.85 effective April 01, 2016. On April 14, 2016, we received a payment of $2,219.13, which was placed in unapplied funds, bringing the unapplied funds balance to $4,157.01. Funds in the amount of $2,002.71 were then disbursed from unapplied funds and applied to the March 01, 2016 due date, leaving an unapplied funds balance of $2,154.30. As $2,154.30 was not sufficient to satisfy the April 01, 2016 payment of $2,219.85 it remained in unapplied funds until additional funds were received to satisfy the amount due. Since that time we have received a payment of $2,200.00 each month, which has been applied to the prior month's due date. There is an unapplied funds balance of $2,155.80 and funds in the amount of $64.05 are required to apply the payment to the February 01, 2017 due date. The account is also currently due for $2,219.85 for the March 01, 2017 due date. As of April 01, 2017, the total monthly payment amount will be adjusted to $2,436.31 per the most recent Annual Escrow Account Disclosure Statement. There are escrow transactions dated April 04, 2016 displaying on the website that appear to be duplicate disbursements. Please be assured that they are not. The April 04, 2016 transaction is due to our system upgrade. This did not affect the escrow balance and it was not an additional disbursement. We apologize for any confusion this matter may have caused. Our records indicate that we did receive a letter from Ms. [redacted] requesting that we cease and desist from sending her mail; however, we are required to send correspondence; therefore, we were unable to comply. If Ms. [redacted] had requested we stop calling her, we would have placed a cease and desist on the telephone numbers on file. A copy of the letter is enclosed for your reference. Servicing of the loan was transferred to Ditech, formerly known as Green Tree, from CitiMortgage Inc. effective November 1, 2014. On July 9, 2015, Ms. [redacted] submitted a signed Dodd Frank Certification Form 720, making the account eligible for a one-time $5,000.00 Home Affordable Modification Program (HAMP) Pay for Performance incentive payment. On November 2, 2015, the $5,000.00 HAMP incentive payment was applied to the principal balance on the account. In conjunction with the one-time $5,000.00 principal reduction HAMP incentive, Ms. [redacted] was sent a Recast Offer Letter on March 30, 2016. The Recast Offer letter extended a one-time offer to re-amortize or "recast" the recently reduced unpaid principal balance (excluding deferred principal) over the remaining term of the loan. This Recast Modification option was contingent on Ms. [redacted] returning a signed copy of the Recast Offer letter by May 4, 2016. The signed Recast Offer letter was not returned by May 4, 2016. Therefore, the Recast offer was cancelled. Our records show that on April 11, 2016, a solicitation letter was sent to Ms. [redacted] informing her that a complete loss mitigation application, also known as a Borrower Response Package (BRP), had not been received for a recently initiated loss mitigation workout. The letter also instructed her to submit the completed BRP by May 11, 2016 in order to be evaluated for modification options. A complete BRP was not submitted; therefore, on May 16, 2016, a disengagement letter was sent indicating: As of today, you have not provided us with all the required information within the time frame requested. Since we need a complete application to review your account for loss mitigation options, we will not be reviewing your application at this time. On September 9, 2016, BRP documentation was received by Ditech. Included with this documentation was Ms. [redacted]'s hardship letter, which indicated that she was interested in a forbearance plan. Please be advised that a forbearance plan and Mortgage Loan Modification assistance are two separate products that are evaluated through two different processes. Therefore, due to Ms. [redacted] specifying interest in a forbearance plan, a letter was sent on September 15, 2016 informing her of ineligibility for modification assistance for the following reason: After initially asking to be considered for loss mitigation options, you withdrew the request. At this time, a complete BRP has not been submitted for evaluation of Mortgage Loan Modification assistance. We believe this resolves all concerns that Ms. [redacted] has expressed to the Revdex.com regarding Ditech. For any additional questions, or to complete a loss mitigation survey in order to initiate a loss mitigation workout, Ms. [redacted] may contact the assigned account the account representatives listed below. If [redacted] has any further questions, she may contact her account representatives Justin H. at ###-###-####, extension [redacted], or Bobby 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.

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (“Ditech”).  The servicing of the above account was transferred from GMAC Mortgage, LLC (“GMACM”) to Green Tree Servicing LLC on February 1, 2013. Effective August...

31, 2015, Green Tree Servicing LLC and Ditech Mortgage Corp combined to form Ditech Financial LLC, known as Ditech, a Walter Company. Enclosed is a copy of the Loan Modification Agreement that Mr. [redacted] signed. According the modification, the principal balance would increase from $408,027.26, for a new modified principal balance of $554,377.33. The modification was applied to Mr. [redacted]’s account in September 2013. On page one under number two, it advises that the interest rate would change to 6.12500% and the new monthly home payment would be $3,098.70 beginning with the 9/1/2013 payment. It also advises that the new monthly payment amount does not include any amounts owed for escrow. After the modification was applied to the account, the monthly escrow payment was $1,121.30, making the total monthly home and escrow payment $4,220.00 On October 16, 2013, advances were set up on the account for outstanding foreclosure fees. The advances were set up to be collected in monthly payments of $72.00. Therefore, the total monthly home, escrow, and advance payment was $4,292.90 beginning with the December 1, 2013 due date. An additional amount for outstanding foreclosure fees in the amount of $180.00 was set up on the account on March 11, 2014, which increased monthly advance payment to $90.00 beginning with the May 1, 2014 payment. This brought the total monthly payment to $4,310.00. A new escrow analysis was completed on August 27, 2014. According to this analysis, the base escrow payment was $1,500.32. However, the escrow account had a shortage amount of $11,481.51 and deficiency amount of $25,982.60. The shortage was scheduled to be collected in 44 payments of $260.94 and the deficiency was scheduled to be collected in 44 payments of $590.51. Therefore, the new monthly home, escrow, and advance payment was $5,540.47 beginning with the October 1, 2014 due date. The advances were paid in full as of October 1, 2014; therefore, the total monthly payment decreased to $5,450.47 beginning with the October 1, 2016 due date. A new analysis was completed on January 30, 2015. According to this analysis, the base escrow payment was $1,485.54. However, the escrow account had a shortage amount of $7,427.75 and deficiency amount of $25,839.69. The shortage was scheduled to be collected in 60 payments of $123.80 and the deficiency was scheduled to be collected in 60 payments of $430.66. Therefore, the new monthly escrow payment was $2,040.00, making the total monthly payment $5,138.70 beginning with the February 1, 2015 due date. An additional analysis was completed on August 28, 2015. According to this analysis, the base escrow payment is $1,523.35. At the time of this analysis, the escrow account had a shortage amount of $11,304.17 and deficiency amount of $18,573.07. The shortage is scheduled to be collected in 60 payments of $188.40 and the deficiency is scheduled to be collected in 60 payments of $309.55. Therefore, the monthly escrow payment is $2,021.30, making the total monthly payment $5,120.00 beginning with the October 1, 2015 due date. As of April 1, 2016, Mr. [redacted]’s current principal balance was $546,960.49. Please note that we are unable to adjust Mr. [redacted]’s payment to $4,130.00. Enclosed are copies of the account payment history, escrow analyses, and advance invoices for your review. If Mr. [redacted] has any further questions regarding this matter, or for information on any available programs that may be available to assist him, he should contact his account representative [redacted] A. at (800) 643/0202, extension 62586, or [redacted] P. at extension 62590. Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) 643-0202, Monday - Friday 7:00 a.m. to 8:00 p.m., and Saturday 7:00 a.m. to 1:00 p.m. CT.  Sincerely, [redacted] Customer Service Correspondence Supervisor

We apologize for any confusion or 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. Account records indicate that Mr. [redacted]'s account became delinquent in April 2001. In an effort to assist Mr. [redacted] in bringing the account current the prior servicer deferred the April, May and June 2001 monthly payments to the end of the loan, which totaled $904.52. Please be aware that once payments are deferred they no longer accrue interest. Mr. [redacted]'s account became delinquent again in May 2002 when no payment was received for the May 14, 2002 due date. When the account fell further behind, Mr. [redacted] was once again offered an Extension Agreement to defer the past due payments and bring the account current. On October 28, 2002, the prior servicer deferred the July, August, September and October 2002 monthly payments, which totaled $835.18. The next payment due was for the November 14, 2002 monthly payment; however, records indicate a payment was not received until December 14, 2002. The account remained delinquent and on January 17, 2005, the prior servicer again deferred payments to assist Mr. [redacted] in bringing the account current. The referenced payments were due December 2004, January 2005, and February 2005, which totaled $456.83. Copies of the Extension Agreements have been enclosed. We are unable to comply with Mr. [redacted]'s request to waive any part of the amount owed, as all charges are valid.

Per our compliance department, we cannot accept the email as an authorization for the customer. Unless they provide the signed consent form, the response will be sent directly to the customer.   Please reply to all when responding.   Thanks! Jess [redacted] Ditech Home Loans Lead Correspondence Specialist | Customer Service Ditech Financial LLC | [redacted] Jacksonville, FL 32202 TF ###-###-####   jessica.[redacted]@ditech.com  |  ditech.com Connect with us: Facebook | Twitter | Google+ | LinkedIn | Instagram

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding an account with Ditech Financial LLC (Ditech). We would like to apologize for any dissatisfaction Mr. [redacted] has encountered. Records indicate that we received the Letters of Administration, naming Mr. [redacted] as...

the Administrator of the Estate, on September 3, 2016. Unfortunately, the account was not updated with this information at that time. The account has now been updated to reflect Mr. [redacted] as the Administrator of the Estate. Therefore, he is now authorized to receive information on the account. Please be advised that [redacted] was the only contract signer for this loan. If Mr. [redacted] has any further questions, he may contact the account representatives Chandrell T. at ###-###-####, extension [redacted], or Jason 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. 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 the account with Ditech Financial LLC (Ditech). Pursuant to Ms. [redacted]'s request, we have reviewed the Judgment of Possession provided with our legal department. After consideration of the circumstances surrounding this issue, they have advised that Ms. [redacted] may be added to the account as a Successor-In-Interest. This provides Ms. [redacted] with authorization to access all account details. Please be advised that a Successor-In-Interest has the same authority as an Executor of Estate, with the exception of the ability to grant authorization on the account to other individuals. If Ms. [redacted] has any further questions, she may contact the account representatives Shannon Y. at ###-###-####, extension [redacted], or Andrew A. 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, 10, 2015/05/05) */
May 5, 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 contacts made by Green Tree Servicing LLC ("Green Tree"). This correspondence also addresses Ms. [redacted]'s correspondence sent directly to Green Tree.
We understand Ms. [redacted]'s concerns and regret any dissatisfaction this matter caused. Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided.
Green Tree does not have any interest in Ms. [redacted]'s home. Regrettably, we found that an address in our system was incorrect, which caused notifications to be left at her address. This address has now been updated at this time. Therefore, there should be no further contact made by Green Tree at Ms. [redacted]'s property address.

We again regret any dissatisfaction this matter caused. If Ms. [redacted] has any further questions regarding the account, she may 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 with any further questions.
Sincerely,
[redacted]
Customer Service Correspondence Supervisor
/bkw/33/
cc: [redacted] Austin, TX 78753-9767
Initial Consumer Rebuttal /* (2000, 12, 2015/05/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I really appreciate the quick response by Revdex.com. Thank you so much. I hope in the future GreenTree works on their procedures. I called each time a notice was received. Those calls should have been immediately flagged and dealt with. That is how it functions where I work. Thanks again to Revdex.com!!

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 for any inconvenience that may have been caused. A payment in the amount of $2,500.00...

was received on May 28, 2016. This payment was applied as follows: $868.65 was applied towards the June 1, 2016 due date and the remaining $1,631.35 was applied towards principal. A second payment of $2,500.00 was received on July 1, 2016. These funds were applied as follows: $868.65 was applied to the July 1, 2016 due date, $868.65 was applied to the August 1, 2016 due date and the remaining $762.70 was applied towards principal. Pursuant to Mr. [redacted]' request, funds in the amount of $868.65 were reallocated from the August 1, 2016 due date and were applied as extra towards principal.As of today's date, the account is next due for the August 1, 2016 due date in the amount of $868.65.If [redacted] has any further questions, they should contact their account representative Tessa H. at ###-###-####, extension [redacted], or Cameron 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], FAIRFIELD, OH 45014 [redacted]

I am rejecting this response
because:
The information in the response is not correct.
The payment on 4/6/16 was not debited as it had the incorrect back account. I
have been trying to have this removed. The second error in the response is that
the 4/13/16 payment was for May 1 2016, this is not correct. I found out that
the payment on 4/6/16 did not go through so I made a payment on 4/13/16 for the
April 1st 2016 payment. The 4/30/2016 payment is for the May 1st 2016 payment.
They were credited to the principal payment but that was to be correct by the allocation
department as NONE of these payments were for the principal payment. 
The more people I speak to the more the account gets messed up. The person who
sent this response has not clue as to what is wrong with the account. Also as
of now I am no longer able to make online payment, and I was told this is
because my account is delinquent, which it is not. Also the response states “ Late
fees assessed to the account, in the amount of 42.31, were waived as a courtesy
on may 27th, 2016.” MY ACCOUNT WAS NEVER PAID LATE, SO I SHOULD NOT
HAVE LATE FEES. This was not a courtesy, this was a mistake on your end and
should have been removed.
Again my account needs to be fixed and I
will break it down for you:
4/6/16 payment – Needs to be removed and
it had the incorrect bank account number. (this error occurred when the system was updated, as my auto pay never had an issue before.)
4/13/16 payment – should be reallocated to
the 4/1/16 payment 
4/30/2016 payment – this is the 5/1/16
payment and should be applied accordingly
5/31/16 payment – This is the 6/1/16
payment and should be applied accordingly6/2/2016 payment - I only paid on 5/31/16 not 6/2/16
If Mrs. Kristina [redacted] would like to reach
me to sort this out, my number is ###-###-####Also at this time the website shows competely differnt information in my payment history. (Print screen attached)  Thank you for your assistance. I would like to added that my ability to pay on line was disabled because Ditech states that I have had 2 returned checks. One on 5/17/16 and one 5/19/16. This is not correct and have all my bank statements showing the there was never a returned check. These returned checks were entered when Ditech was reallocating my funds and must have been done in error. I would like my online account correct and be able to pay my bill on line.

Initial Business Response /* (1000, 15, 2016/01/25) */
January 25, 2016
[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 her account with Ditech Financial LLC ("Ditech").
We apologize for any dissatisfaction [redacted] encountered. Records reflect the account reached maturity on October 15, 2015. Therefore, the remaining balance became due and payable in full, per her contractual agreement. In December 2015, we agreed to allow her to make monthly payments of at least $475.00 until the loan balance was paid in full. As long as [redacted] continued to make the monthly payment, as verbally agreed, we would not move forward with any legal action to obtain the mobile home. Records reflect a payment of $327.00 was received on December 15, 2015 which was less than the amount we agreed upon. If a customer is paying us on a payment arrangement, we are still required to send legally required notices even if we may not act on the notice. Therefore, a Notice of Default and Right to Cure Default was generated on December 3, 2015. This notice did not change the payment arrangement and was not intended to insinuate she needed to payoff the account.
The account was paid in full and closed on December 23, 2015 and the payoff was backdated to December 22, 2015.
Should you require any additional assistance, please feel free to contact our Asset Receivables Management Department at (877) [redacted], 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
/kas/42/
cc: [redacted], [redacted], Winchester, NH 03470
Initial Consumer Rebuttal /* (3000, 17, 2016/01/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was told that I needed to pay more after I already made the payment. When I asked how much more, I told them that I would pay the $475.00 then I got the letter saying that they started legal action against us. When I called to find out what the letter was all about after accepted my payment, my manager told me that there was nothing he could do. If they had a problem with my payment then they should have not accepted and then they had the right to start legal actions. I am glad that I no longer have to deal with this company. They have caused us a lot of stress. Again, what they did to us was not right, for I was willing to do what the manager told me to do after calling him over and over again. Half the time he would not answer the phone or when he said that he would call me back he never did. I went from a payment of $327.00 to a payment of over $3,000 in one month. This company should worked with me more and not wanting to put us out in the streets. Again, what this company did to us for the little amount we owed after being with the company for 20 years was disgusting, and they should get a 0% rating from you. [redacted]
Final Business Response /* (4000, 19, 2016/02/01) */
February 1, 2016
[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 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 apologize for any dissatisfaction [redacted] encountered with the account representative.
As previously advised, the account reached maturity. Therefore, the entire remaining balance became due and payable in full. We agreed to a payment arrangement of $475.00 on December 4, 2015, and [redacted] contacted us on December 7, 2015, to confirm the payment arrangement. She informed us that she had received the Notice of Default and Right to Cure Default and was told to continue to make the payment of $475.00 as agreed. On December 15, 2015, a payment of $327.00 was received, not $475.00 which was the agreed upon amount. Although the payment of $327.00 was scheduled on December 3, 2015, the payment amount was able to be changed after the payment agreement was discussed.
After the payment of $327.00 was received, we attempted to contact [redacted] on December 18, 2015, and December 21, 2015, without success. On December 22, 2015, [redacted] contacted us and requested a payoff quote. She was provided with a 10 day payoff quotation and the payoff funds were received via wire transfer on December 22, 2015. The payoff funds were posted to the account on December 23, 2015, backdated to December 22, 2015, and the account was considered paid in full and closed.
Records do not reflect that we advised [redacted] that she needed to payoff the account. Although the Notice of Default and Right to Cure Default was generated, per regulations, we still would have accepted the payment of $475.00 until the account was paid in full without pursuing any legal action to obtain the home.
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/19/
cc: [redacted], [redacted], Winchester, NH 03470

A review of Mr. [redacted]'s account confirms that a payment of $636.47 was received on July 19, 2017, after our previous response was made, which brought the account due for the July 1, 2017 payment. Additionally, a response to a complaint filed with the Consumer Financial Protection Bureau ("CFPB"), concerning a similar complaint received from Ms. [redacted], was made on July 25, 2017. A copy of this response and a current payment history is enclosed for Mr. [redacted]'s review. As of the date of this letter, the account is due for the July 1, 2017 payment of $502.37. If Mr. [redacted] has any further questions, he may contact his account representatives Dwuaka T. at ###-###-####, extension [redacted], or Kelli 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 complaint filed by [redacted] received on May 24, 2016, regarding his account with Ditech Financial LLC ("Ditech").Although [redacted] was refinancing the loan with another company, the loan with Ditech was not paid in full and closed until...

November 2, 2016. Ditech is required to service the loan under the original loan terms and conditions until it is paid in full. Records do not reflect that we reported the account as 30 days late to the credit reporting agencies. The account was reported as current in October 2016, and paid in full in November 2016.If [redacted] has specific information indicating the reported information to be incorrect, please provide supporting documentation (cancelled checks, bank statements, copies of credit reports, etc.) for further review.If [redacted] has any further questions, he should contact his account representative Terra B. 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:
Delinquent Account
Lender 4/13/16
DITECH FINANCIAL LLC [redacted] RAPID CITY, SD 57709
nullnull
A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 (or more) days late
Reporting Detail
Account Number [redacted]
THIS IS FROM MY CAPITAL ONE FICA SCORE WHICH IS 30 POINTS LOWER BECAUSE OF THIS

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).After a review of your account, records indicate we are unable to process the modification request as...

the property has already gone to sale. Unfortunately, the account would not qualify for another modification as the maximum number of modifications has been reached. Records also indicate that a complete packet was not received prior to the sale.If [redacted] has any further questions, they should contact their account representative Camry R. at ###-###-####, extension [redacted], or Danae W. 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], DALLAS, TX 75374 [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). We apologize for the 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. The escrow account is generally analyzed once a year to reconcile payments made to escrow against any increases and/or decreases in disbursement. At the time of the analysis, any surplus, shortage, and/or deficiency is addressed. The escrow account is analyzed by taking into account the total amount of the projected disbursements expected over the next 12 months, and spreading them over 12 months to determine the "base" escrow amount. Projected escrow disbursements are based on the cost of the previous year's disbursements. We are unable to use different calculations unless a tax bill is provided with a different amount owed. As Mr. [redacted] was advised, once an updated tax bill is provided we will update the escrow account accordingly. Our records indicate that a request for a new analysis was entered on June 30, 2016; however, the request was returned due the amount of the escrow surplus. The request should not have been cancelled. We apologize for the inconvenience this caused. An analysis was requested again on July 14, 2016 and completed on August 04, 2016. It was determined that there was an escrow surplus of $6,484.37. However, the analysis completed calculated the surplus based on the September 01, 2016 payment being received; therefore, the escrow surplus funds could not be released until the September 01, 2016 payment was posted to the account. Unfortunately, due to a miscommunication another escrow analysis was completed on September 13, 2016. Due to a disbursement for homeowners insurance in the amount of $161.00 the resulting escrow surplus was adjusted to $6,323.37. Please be advised that we issued the escrow surplus check, number 778324, in the amount of $6,323.37 on September 13, 2016. If [redacted] has any further questions, he may contact his account representatives Alexandria C. 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. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

Here is the requested info. Thanks,[redacted]