Ditech Financial, LLC

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech). Records indicate that Ditech issued an escrow surplus check, in the amount of $476.28, to Ms. [redacted] on June 4, 2015. In June 2016, we were advised that she had...

not received this check and a request was submitted to reissue the check. A check was reissued to Ms. [redacted] on August 5, 2016. On September 7, 2016, Ms. [redacted] spoke with a Ditech Supervisor and confirmed that the address we have on file, which the escrow surplus checks were mailed to in June 2015 and August 2016, was the correct address, but she still had not received the reissued check. Since Ms. [redacted] is not receiving the checks that are mailed, a Ditech Supervisor attempted to contact her via a telephone call on September 19, 2016, in an attempt to obtain her bank account information so we can deposit the funds directly into her bank account. We were unable to reach Ms. [redacted] at that time; however, a message was left for her to callback and provide this information. As of the date of this correspondence, we have not received a return telephone call from Ms. [redacted]. In order to reissue the escrow surplus funds again, Ms. [redacted] will need to contact Susan H. in our Customer Service Department and provide her bank account information so the funds can be deposited into her bank account. Susan can be reached at ###-###-####, extension [redacted]. If Ms. [redacted] has any further questions, she may contact her account representatives Dedrick S. at ###-###-####, extension [redacted], or Mario C. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT. Sincerely,

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.

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 with the insurance claim process and in dealing with our associates. Our mission is...

to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. Our policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat its customers and third parties with respect. We do not tolerate unprofessional behavior from any of our associates. Please be assured the responsible department management was notified of Mr. [redacted]'s concerns, which were addressed with the specific associates and resolved. Policies are set in place to ensure both our customer's interests and our interests in the property are protected in the event of an insurance claim. The processing time on a claim, once all documents are received, is 10 business days. When all of the required documents are received, the funds are released accordingly. Customers also have the option to have the funds applied to principal only on their account. Records show that we did receive the Adjustor's Estimate, Contractor's Estimate, W-9 Form and other required documents on October 20, 2016. A Claims Representative spoke to Mr. [redacted] on October 24, 2016, and confirmed that the information was received and the account would be reviewed within 10 business days. After a review of the claim on November 2, 2016, it was discovered that the Contractor's W-9 Form received was unreadable. On this same day, the contractor called and spoke to a Claims Representative who advised the Contractor that we needed an updated W-9 Form. Records indicate that we received an updated W-9 Form as of today's date and the account is currently in the process of being reviewed in order to have the claims funds released. For further information regarding his claim, Mr. [redacted] should contact our Claims Department at (800) [redacted]xtension [redacted], Monday through Friday from 7:00 AM to 4:00 PM Mountain Time. In addition, we have removed the bankruptcy status from Mr. [redacted]'s account.If Mr. [redacted] has any further questions, he may contact his account representatives 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 (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.

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] has encountered. Ms. [redacted]'s payments of $750.00 received April 8, 2016 and $842.02 received April...

22, 2016, have been reallocated and were applied to the May 2016 payment on June 9, 2016, backdated to April 22, 2016. In addition, Ms. [redacted]'s payments of $700.00 received May 9, 2016 and $892.02 received May 20, 2016, were applied to the June 2016 payment.Please be assured that the late fee assessed to the May 2016 payment due to this matter has been waived.If Ms. [redacted] has any further questions, she should contact her account representative Johnson M. at ###-###-####, extension [redacted], or Xavier 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.

April 12, 2016 [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA 220 S RIVER RIDGE CIR BURNSVILLE MN  55337 RE:  Case #[redacted] and [redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by Mr. and Ms. [redacted]...

regarding the account with Ditech Financial LLC (“Ditech”).  A payment of $450.00 was posted to the account on January 11, 2016.  The amount of $64.26 was applied to remaining amount due for December 5, 2015 installment. The remaining amount of $385.74 was applied as a principal only payment. The payment of $500.00 was posted to the account on February 8, 2016. The amount of $97.54 was applied as principal and interest due for January 5, 2016.  The amount of $402.46 was applied to the corporate advance balance due on the account. The corporate advance balance was a $1,068.30 deferment that was completed in December 2001. A total of $1,068.30 of past due amounts were deferred to the end of the loan. Upon receipt of the correspondence from your office, we attempted to correct the misapplied payment by reversing the $402.46 from the corporate advance and apply the funds to a payment.  We apologize that this did not occur. On March 4, 2016, $500.00 was received and applied to the principal and interest payment due February 5, 2016 and $11.22 was applied to the corporate advance balance. We received payoff funds in the amount of $3,042.54 on April 7, 2016.  That same day, a paid in full letter was mailed to the borrowers.  The account is now closed. We have enclosed the payment history for review. If Mr. and Ms. [redacted] have any further questions, they can contact our Customer Service Department 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/31/ cc: [redacted], Asheboro, NC 27205 [redacted]

I am rejecting this response because:  And I quote taken from your response:  Mr. [redacted], you wrote the following in your response..."When paying the account in full, they will be assessed interest on a daily basis from the last monthly payment received until the day the payoff is received." With that being the case, our last pmt was made on 8/8/16, therefore, we should only be charged interest from 8/8/16 to 9/8/16, correct? Yet you charged us $607.97, which is well over 30 days of interest! If you were to actually look at the transaction pages you enclosed you would see our last pmt of $793.57= Prin $113.30 Int $495.13, which is based off of a 30 day accrual of interest in arrears, right? So according to your statement above the date of our last pmt to the payoff date is exactly 30 days, therefore, your company overcharged us $276.25 in interest. I am demanding that you refund that amount to me immediately. I would also like to know what the following is that shows on the last transaction page: [redacted] 9/8/2016 2016-09-01 183 Partial Settlement $ - $ 379.58 $  379.58 $ - $ 339.62 . Where did $379.58 go?  I am also requesting  that a complete accounting of my account be conducted and that the results found be mailed to me asap! In looking over the transaction sheets I think your company actually owes me a lot more. I seriously am so disappointed that your company will not fess up to the errors you have consistently made on my account and do the right thing by refunding me what I am rightfully due. I will expect to see a refund check in the mail of $276.25 in the next 30 days, thank you for your time.

Here is the requested info. Thanks,[redacted]

I again spoke to Ditech for an hour and a half yesterday evening.  For the months that I have been speaking with them every single customer service agent that I spoke with explained that they see where Ditech made the error, would handle today, and fix my credit immediately.  Yesterday I spoke with a customer service agent that was very good.  She explained that my mortgage payment changed, which I noticed, being more that $200 less.  I paid the lower amount requested but Ditech is stating that I did it a month earlier.  How could I do it a month earlier and know the amount I was supposed to pay.  I have paid monthy, my bank withdraws from my account, and Ditech receives the same day.   If something was done in error in my part, not one person explained that to me and allowed for me to continue to be late.  Ditech reported 3 late payments, and not in order.  July, August, and October.  It shows on my part that I was late on an entire mortgage payment when ultimately, I only owed $261.00.  I received this bill for $261.00 and that is what I have been calling about this entire time.  The bill does not explain what it is for and when calling no-one can explain why.  Why would I pay a bill that they cannot explain as to what it is for.  I am being penalized with my credit report due to Ditech's inept customer service department and a bill with no explanation.  I asked and sent requests to fix my credit but they have refused. Please look into this for me.  I have been calling for months and if they did their job correctly I would not have been late on any payments.  The payments get electronically withdrawn from my bank account on the first of every month. Thank you. Kerry [redacted]

Initial Business Response /* (1000, 8, 2015/06/18) */
June 18, 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 Mrs. [redacted]'s concerns. Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided.
Pursuant to Mrs. [redacted]'s request, Green Tree has ceased all outbound telephone communication; however, for her convenience we will continue sending correspondence as required.
The servicing of the above account was transferred from Beneficial Oregon Inc. to Green Tree effective June 15, 2014. There were no changes to the account terms or conditions as a result of the servicing transfer. Our initial contact with Ms. [redacted]s was on June 11, 2014. We have enclosed a copy of the correspondence for your review. Subsequent contact continued ever month thereafter by sending written correspondence including but not limited to monthly billing statements.
Records indicate that the account was charged off on June 17, 2009, with a balance of $43,601.33. Charge off means that the credit grantor wrote your account off of their receivables as a loss, and it is closed to future charges. When an account displays a status of "charge off," it means the account is closed to future use, although the debt is still owed. Once an account is placed into a charged off status, it is no longer assessed interest or late fees. The deficiency balance was transferred to our Asset Receivables Management ("ARM") team for collection.
Due to the aformentioend, we are unable to comply with Mrs. [redacted]'s request to closed the account as a "bad debt". Please be assured Green Tree wants to continue working with Mrs. [redacted] to satisfy the balance in full. For further information, Jason H. may be contacted at (855) [redacted], extension [redacted].
If you have any further questions or concerns, please feel free to contact our Asset Receivables Management Department at (855) [redacted] between the hours of 6am - 7pm Monday - Thursday and 6am - 12pm Friday MT.
Sincerely,
Vanessa [redacted]
Customer Service Correspondence Supervisor
/jcn/40/
cc: [redacted], [redacted], Astoria, OR 97103

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 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. Our records indicate that on August 11, 2016, we received a payoff request from First American Title Company on behalf of Mr. [redacted]. On August 12, 2016, we faxed a payoff quote to First American Title Company, which reflected a payoff amount of $101,309.95. However, the payoff was not received before the payoff quote expired on August 22, 2016. On August 26, 2016, we received a fax from First American Title Company on behalf of Mr. [redacted] requesting an updated payoff quote good through September 07, 2016. On August 29, 2016, we faxed the updated payoff quote to First American Title Company, which reflected a payoff amount of $101,576.70. Copies of the referenced requests and payoff quotes have been enclosed for your reference. Mr. [redacted]'s account is assessed interest using the actuarial method. Actuarial interest is earned and paid in arrears; therefore, the interest owed will be for 30 days regardless of when the monthly payment is received. If a customer makes their payment prior to the due date, they will pay 30 days of interest for the prior month's accrual. Likewise, if they make their payment after the due date, they will also pay 30 days of interest for the prior month's accrual. When paying the account in full, they will be assessed interest on a daily basis from the last monthly payment received until the day the payoff is received. We have confirmed that the payoff amount was calculated correctly. On September 08, 2016, we received the payoff in the amount of $101,576.70 and the account was closed. A check for the escrow balance of $339.62 was generated on September 24, 2016 and mailed to Mr. [redacted]. We have determined that no additional refunds are due to Mr. [redacted]. Pursuant to Mr. [redacted]'s request, we have enclosed a complete payment history for the loan. If [redacted] has any further questions, he may contact his account representatives Kimberlee L. 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.

Initial Business Response /* (1000, 14, 2015/11/18) */
[redacted]Document Attached[redacted]
November 17, 2015
[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN 55337
RE: Case #[redacted]
Dear [redacted]:
Thank you for the...

opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC ("Ditech").
Our records reflect that a loan modification through the Home Affordable Modification Program ("HAMP") was offered to the [redacted]s by their previous loan servicer, Bank of America, in September 2012 that was required to be redrawn. A second HAMP loan modification was issued on September 27, 2013, which was to include a first payment date of December 1, 2013. As sown under section 3 of the enclosed Loan Modification Agreement, 'The first modified payment was meant to be due on October 1, 2012. However, due to the adjustment of your final modification your first payment will actually be due on 1st of December, 2013." Regrettably, Bank of America, adjusted the loan under the terms of the loan modification from September 2012 opposed to the loan modification terms from September 2013.
Ditech' s review of the loan modification revealed this error and performed the required maintenance so the HAMP terms, as well as the correct first payment date of December 1, 2013 were accurately reflected. In addition, we waived the late fees assessed to the account. No derogatory credit reporting has occured while Ditech has serviced the loan. We have enclosed a copy of our previous response to Ms. [redacted]'s complaint addressed to the Illinois Attorney General.
We completed three escrow analyses on the account:
The analysis completed on January 9, 2015 included $23,151.84 of past due escrow and advances, which Bank of America had failed to include within the loan modification from September 2013.
The analysis completed on April 30, 2015, we deferred the past due escrow to the end of the loan tern, but did not extend the shortage ($2,574.81)and deficiency ($3,007.73) to the maximum of 60 months.
The analysis completed on May 15, 2015, extended the shortage ($3,496.12) and deficiency (41,743.60) to 60 months in order to lower the regular monthly payment.
The escrow analysis completed on May 15, 2015 reflects a deficiency of $1,743.60 along with a shortage of $3,496.12. The new monthly escrow payment is $737.71, plus the deficiency payment of $29.06, plus the shortage payment of $58.27, which totals $825.04. The shortage and deficiency are scheduled for collection over a period of 60 months as part of the monthly escrow payment. Then new escrow payment became effective July 1, 2015.
Escrow analyses are conducted on an annual basis. The collection of funds required to maintain the escrow account is predetermined based on the most recent disbursement of escrowed bills. The escrow portion of a monthly mortgage payment goes into an account to pay future disbursements of property taxes and insurance premiums. The amount in escrow is based on the projected amount necessary to pay these obligations each year. At the time of this letter, the account is due for October and November 1, 2015 payments of $2,049.85 each for a total of $4,099.70.
Although [redacted] is not listed on the Note, she signed the Mortgage and as a result has interest in the property. As required by law, all persons with interest in the property are notified of pending legal proceedings in the event of the loan's default.
If [redacted] has any further questions, she should contact her account representative Shavonne H. at (800) [redacted], extension [redacted], or Allen P. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted], Monday - Friday 7:00 a.m. to 8:00 p.m., and Saturday 7:00 a.m. to 1:00 p.m. CT.
Sincerely,
Vanessa [redacted]
Customer Service Correspondence Supervisor
/lqh/46/
cc: [redacted], Villa Park, IL 60181
Initial Consumer Rebuttal /* (3000, 16, 2015/11/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
because they skipped over the fact that this has happened a second time less than 90 days later. they are focusing on the 2013 incident which was "fixed" july 2015. Well October 16 2015 received statements,hand delivered letters on forclosure for the same thing that they did maintenance for the first time. They ARE NOT ADDRESSING it happening a second time in October of 2015, same exact thing! This is how and why they keep getting away with things because of the confusion and circles. in their response they say May of 2015, YES THE 1ST TIME I AGREE,BUT OCTOBER 2015 WE RECIEVED ALL OF THE SAME $amounts past due of 72,000 odd change 1110 days past due. THIS IS THE 2ND TIME IN 90 DAYS, is why I wanted the maintence reports for OCTOBER OF 2015> I have them from the first time.WHY ARE THEY NOT ACKNOWLEDGING THIS SECOND MESS UP WITH THE ACCOUNT?SAME THING I sent copies to the Attorney Generals Office of original May 2015 now its happening all over again October 2015, I sent them copies of the statements, forclosure letters loss litigation letters dated Oct 2015 and @ that time no payment was missed. Shavonne H will not take my calls,so who in their right mind would send a payment with the same thing going on a second time until it is straightened out and I have copies of the maintenance done for the repeat in October of 2015. they aren't even acknowledging that they messed this up again!!!!!if it is truly fixed from October of 2015 I would like those copies I have no problem sending payment once I am satisfied for a change! thank you so much! [redacted]. They have messed with our money,home, not once this year but twice.
Final Business Response /* (4000, 18, 2015/11/25) */
November 25, 2015
[redacted]
Revdex.com OF MINNESOTA AND NORTH DAKOTA
220 S RIVER RIDGE CIR
BURNSVILLE MN 55337
RE: Case #[redacted]
Dear [redacted]:
Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC ("Ditech").
Please be advised that on October 12, 2015 we began to reverse funds off of the account due to the loan modification maintenance being performed. As a result a Default and Right to Cure notice was inadvertently sent on October 13, 2015. A billing statement was sent on October 15, 2015 indicating a total amount due of $72,669.45. Since the payments had not been reallocated to the account at the time the billing statement was sent, it reflected an incorrect amount due.
On October 22, 2015 we began to reallocate the funds to the account correctly and was completed as of October 23, 2015. Please note that Ditech has not reported the [redacted]'s account to the credit bureau reporting agencies as delinquent. We apologize for any inconvenience this matter may have caused.
If [redacted] has any further questions, she should contact her account representative Shavonne H. at (800) [redacted], extension [redacted], or Allen P. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted], Monday - Friday 7:00 a.m. to 8:00 p.m., and Saturday 7:00 a.m. to 1:00 p.m. CT.
Sincerely,
Vanessa [redacted]
Customer Service Correspondence Supervisor
/lqh/54/
cc: [redacted], Villa Park, IL 60181
Final Consumer Response /* (3000, 20, 2015/12/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Everything they replied is not true. I alerted them Oct. 16th, they had no knowledge on the 12th. This is what I deal with on this being such a large cooperation. They have cut off all communication with me. I have tried several times to talk to Shavonne H. To see if they have sent a copy of the maintence report done in Oct.2015 and I get transferred to a random person who knows nothing about what's going on. I had said I will not send a payment till I get the report Shavonne H said she would send Nov.6th, well to date 12-1-2015 I have not received it, but I did send a payment which was against by better judgement, run thru 11-22015 by ditech even tho I don't have the maintenance report.Since I complained to the Revdex.com they cut off all communications, not EVEN GETTING STATEMENTS! How can they treat customers who were never late nor missed any payments this way?! Also they raised my monthly payment 3 xs in the last year, the #s I have and what they have just DONT coincide!I have kept every date, conversation , dollar amount up to date as if my life depended on it!They need to make this right, not in a cooperate level @ a consumer level!

Please be advised, the account uses an actuarial interest method. Actuarial Interest is earned and paid in arrears; therefore, the interest owed will be for 30 days regardless of when the monthly payment is received. If you make your payment prior to the due date, you will pay 30 days of interest for the prior month's accrual. Likewise, if you make your payment after the due date, you will also pay 30 days of interest for the prior month's accrual. When paying the account in full, you will be assessed interest on a daily basis from the last monthly payment received until the day the payoff is received. Enclosed for [redacted] review is an Amortization Schedule. Please note, the amortization schedule is an estimate of upcoming payments and an assumption of when the payment will be made.Records reflect a modification was granted in August 2010, which reduced the interest rate to 2.00% for the first 5 years. Effective September 1, 2015, the interest rate increased to 3.00%, which is the rate currently reflected on the account. Enclosed is a copy of the Loan Modification Agreement to validate the payment schedule. Please note, the interest rate will change effective September 1, 2016, to 4.00%.In addition, the account does utilize an escrow account to pay the taxes and insurance. Therefore, a portion of the monthly payment is posted to the escrow account. Ditech is not stealing money from the regular monthly payment and applying the funds to the escrow account. The escrow payment is calculated based on the Annual Escrow Analysis Statement (analysis). At the time an analysis is completed, if there are additional funds in the escrow account, the funds are returned to the customer if the surplus is greaterthan $50.00. As indicated in our prior response dated, July 21, 2016, we are in the process of completingan escrow analysis to ensure the escrow payment is accurate. The analysis will be sent to [redacted] under separate cover and she should receive it in the next 7 to 10 business days.

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 Bank of America, N.A. (Bank of America) to Ditech on April 1, 2013. The servicing transfer did not affect...

the account terms and conditions, other than those related to the servicing of the account. When Mr. [redacted]'s account was transferred to Ditech, it was showing the next payment due was for the May 1, 2013 due date. Records indicate that Mr. [redacted] continued to send payments to Bank of America, which they forwarded to Ditech. Below is a list of payments that were forwarded to Ditech from Bank of America: -$470.00: received June 19, 2013, backdated to June 7, 2013. On July 1, 2013, $357.29 of these funds were applied to the May 1, 2013 due date.-$480.00: received July 31, 2013, backdated to July 24, 2013. These funds were combined with the remaining $112.71 and $123.38 was applied to the May 1, 2013 escrow payment on July 31, 2013 -$470.00: received August 12, 2013, backdated to August 6, 2013. These funds were combined with the previous funds received and $480.67 was applied to the June 1, 2013 due date. -$7.52: received August 19, 2013, backdated to July 29, 2013. These funds were combined with previous funds received for a balance of $458.66. -$6.86: received October 3, 2013, backdated to September 27, 2013. These funds were combined with the previous funds receive for a balance of $473.04. Ditech received the first payment directly from Mr. [redacted] on March 20, 2014, backdated to March 18, 2014. This payment was in the amount of $366.16. On March 19, 2014, the July 1, 2013 due date was satisfied. Also on March 19, 2014, the following advances were set up on Mr. [redacted]'s account for the negative escrow and escrow shortage that was owed. These advances were set up to be collected with the monthly payments. -$281.48: Negative Escrow -$987.04: Negative Escrow -$157.68: Escrow Shortage Due to the delinquency on the account, Ditech began foreclosure proceedings in October 2013. Pursuant to the contractual agreement, if an attorney is hired, who is not a salaried employee to collect what is owed under the Contract, get possession of the collateral or to enforce agreements, Ditech may collect from the customer any reasonable attorney's fees plus court costs and actual out-of-pocket expenses. The following foreclosure legal fees were added to the account as advances to be collected with the monthly payments.-$50.00 -$990.00 -$60.00 -$200.00 On June 25, 2014, a loan modification was completed on the account. The negative escrow advances of $281.48 and $987.04 were included in the modification; therefore, they were no longer set up to be collected with the monthly payment. After the modification was applied, the next payment due was $370.26 for the June 1, 2014 due date. This payment was applied June 26, 2014, backdated to June 5, 2014. We received a payment of $367.49 on July 7, 2014, backdated to July 2, 2014. However, the total monthly payment due was $467.26; therefore, this payment was placed into unapplied funds. We received an additional payment of $368.45 on August 2, 2014. This payment was combined with the unapplied funds balance of $367.49 and $467.26 was applied to the July 1, 2014 due date. Mr. [redacted] continued to send monthly payment of $318.92; however, his monthly payment due was more than this amount due to the advances mentioned above being collected with the payment, which caused his account to become delinquent. On March 18, 2015, the remaining balance due for the legal fee advances were removed from the account as the account was once again going to be referred to foreclosure and we cannot collect attorney fees or costs associated with a prior foreclosure in a subsequent foreclosure. As of today's date, Mr. [redacted]'s account is currently due $3,007.44 for the December 1, 2015 through the August 1, 2106 payments and $70.24 for assessed late fees. Enclosed is a copy of the account payment history. If Mr. [redacted] finds that payments he has submitted are not reflected on the account, He may provide proof that Ditech received the funds for further research. If Mr. [redacted] has any further questions, he may contact his account representatives Kris L. at (800) [redacted], extension [redacted], or Brett W. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted], Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

I am rejecting this response because:
If the appraisal will be at the owners expense I don't  need Ditech to do it for me or be  in control of the service document or payment.

Hello,I have just spoken with Ditech and they will be sending my reimbursements for sending the check along with the $1,000 check as well. In regards to the request for additional amount from the cost of the replacement of my roof I will submit a offical complaint against the insurance company directly.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.Amazingly, they have somehow figured out that they were indeed wrong.  I will make the July payment today, I do not expect to be charged a late fee however.  I did attempt to make this on July 6th and it was refused.I have printed this letter and will keep in our files and also make Fannie Mae aware.Thank you for your assistance, [redacted] G [redacted]

RE: Case#[redacted], [redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any confusion that may have been caused. Account records indicate that on July 8, 2016, the first check in the amount of $10,602.00 was sent to the address on file. This check is 50% of the contractor's estimate. On July 11, 2016, records indicate that [redacted] spoke with a claim representative who confirmed the information regarding her claim received on June 28, 2016. The typical time frame is 7-10 business days from the date any new information is received on an open claim.If [redacted] has any further questions, they should contact their account representative Timothy W. at ###-###-####, extension [redacted], or Carrie 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] CARENCRO, LA 70520 [redacted]

I am rejecting this response because: the lender DID NOT use the correct income I submitted nor did the lender provide me with the information I have requested in the last appeal. I have called and I do not get a return call from the lender to discuss.At this time I am requesting a copy of my entire Loss Mitigation file.  I want to view the decision documents and output and compare the documentation against what I submitted to be reviewed.I was asked for updated Documents and I submitted them and the lender DID NOT use.[redacted]

RE: Case#[redacted] , [redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any inconvenience that may have been caused. Pursuant to [redacted]'s request, the...

funds in the amount of $278.40 were reallocated from principal and applied to escrow shortage. Please note that the escrow portion of the payment has been updated to the base amount of $518.25. The total monthly payment due July 1, 2016 is $1,368.11.Unfortunately, we are unable to reallocate funds in the amount of $46.40 from escrow to principal as the servicing of the account is transferring on July 1, 2016.If [redacted] has any further questions, she should contact her account representative Chad L. at (800) [redacted], extension [redacted], or Kenneth K. 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] TRENTON, NJ 08620 [redacted]

I am trying to get Ditech Financial to report the last  5 plus years of mortgage payments to the Credit Bureaus