Ditech Financial, LLC

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.

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]

RE: Case#[redacted]Dear [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).Records indicate that a short sale was approved contingent on receipt of $136,932.80, by June 29, 2012....

The funds were received and applied to the account on July 9, 2012. The account was closed as paid in full for less than the full balance and a 1099-C was issued on July 16, 2012.A lending institution is required to file a form 1099-C "Cancellation of Debt" to borrowers, with a copy filed with the IRS, whose outstanding principal account balance has been charged off. The information on this form tells the IRS that some, or all, of the lender's loan was not repaid by the borrower. Form 1099-C reporting is applicable to repossessions, voluntary surrenders, foreclosures, abandonments, and settlements. For more information regarding form 1099-C, Mr. [redacted] may contact the IRS or a professional tax advisor.Pursuant to Mr. [redacted] correspondence, the information reported to the credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) regarding the above referenced account was reviewed and has been deemed to be true and correct according to account records. The account is being reported as closed 60 days past due, paid in full for less than full balance, as of June 29, 2012, with a date of first delinquency, March 1, 2012.Mr. [redacted] should be advised that negative account information may remain on his credit report for a minimum of 7 years from the date of first delinquency. The date of first delinquency is used by the credit reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act FCRA). Please note that it is the responsibility of the credit reporting agencies to monitor the trade lines listed on their credit report for removal of information.If Mr. [redacted] has any further questions, he may contact our Customer Service Department at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.Sincerely,Kristina [redacted]Customer Service Correspondence Supervisorcc: [redacted], ROYAL PALM BEACH, FL 33421 ASWZSi8sb9P

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]

I need a lien release. My loan was paid in full on 05-15-2017

RE: Case#[redacted] A. [redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] A. [redacted] regarding the account with Ditech Financial LLC (Ditech). Pursuant to Ms. [redacted]' correspondence, a request for information related to the...

status of the requested lien release was made with our lien release department and on February 28, 2017, the requested lien release was processed. A copy of the release is enclosed for Ms. [redacted]' convenience. We apologize for any inconvenience the delay in completing the lien release may have caused. If [redacted] A. [redacted] has any further questions, our Customer Service Department is available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT. Sincerely,Shea [redacted] Customer Service Correspondence Supervisor[redacted]cc: [redacted] A [redacted] CAIRO, GA 39828

I am rejecting this response because:
This is a follow up to complaint #[redacted] involving a request for a re-issued check in the correct name from Ditech. Based on Ditech's response to the Revdex.com inquiry, I accepted the resolution proposed by Ditech and the complaint was marked Resolved (110). Sadly, I report that after one month, I have not yet received the check from Ditech.    On April 25. 2016, I phoned Ditech in an effort to speak with Customer Service Correspondence Supervisor, Shea [redacted]. I spoke with Tiffany at [redacted], ext [redacted] who informed me that she did not know Ms. [redacted]'s extension, but would e mail her my contact information and ask that she respond to my contact request. As of this writing, I have not received any communication from Ditech other than my billing statement. This is a formal request to re-open the complaint and request for re-issuance of check number [redacted] in my name as this matter is far from resolved.   Thank you, Shirley [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).Account records indicate that Mr. [redacted]'s payments of $1,311.05 were received on March 7, 2016, and April 6,...

2016, and were posted to an incorrect account number, because the payments received included no account information. Copies of these payments are enclosed for Mr. [redacted]'s review. On August 1, 2016, the referenced payments were correctly posted to Mr. [redacted]'s account and backdated to the date of receipt to ensure proper credit to the account. Late fees of $131.10, assessed as a result of the misapplied payment, have been waived. Mr. [redacted] should place his account number on all payments remitted to ensure proper crediting of his account. We apologize for any inconvenience this matter has caused.Ditech submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) to reflect Mr. [redacted]'s account status of current for March and April. The individual credit reporting agencies may take up to 3-5 business days to update their systems. Mr. [redacted] may keep this letter for verification of the change.Mr. [redacted] should be advised that many state and federal laws require disclosures to be conspicuously noted on customer communications, even if the communication is not a collection letter. Therefore, the disclosure, "This is an attempt to collect a debt and any information obtained will be used for that purpose" is included on all of our correspondence. However, the statement does not reflect the status of the account.If Mr. [redacted] has any further questions, he should contact his account representative Karlita L. at ###-###-####, extension [redacted], or Andre 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.Sincerely, Shea [redacted]Customer Service Correspondence Supervisorcc: [redacted] N CAPE MAY, NJ 08204 [redacted]Shea [redacted]Customer Service Correspondence Supervisorcc: [redacted] N CAPE MAY, NJ 08204 [redacted]

RE: Case#[redacted], [redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted]. When reviewing short sale requests, certain criteria and procedures must be followed. We apologize that this can, at times, be a lengthy process. Mr. [redacted]...

should be advised that we are unable to provide information to any third party concerning the status of a short sale, without a signed authorization on file from our customer. Mr. [redacted] may contact his relator to receive additional information related to the status the short sale in progress. If [redacted] has any further questions, he may contact our Customer Service Department at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT. Sincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] CARTERET NJ 07008 [redacted]

I am rejecting this response because:
Ditech's response shows numbers which do not match the Payment History available through my account on the Ditech website.  I've made a PDF of the Payment History and attached it to this correspondence.The attached PDF'd Payment History shows that between 11/26/2016 and 12/06/16 the Principal Balance on my account increased from $85,167.80 to $86,831.13.  This is an increase to my Principal Balance of $1,663.33 for the "reallocation."  This is where I first noticed Ditech had made changes to my account (without any prior correspondence regarding their errors) on 12/31/16.Furthermore, Ditech's response included account activity which shows my principal balance to go as high as $88,061 on 12/06/16, but that is not reflected in any of my online statements, nor is it reflected in the attached Payment History.  Please explain the $1,663.33 increase to my Principal Balance as reflected on the Payment History for my account (attached).

Initial Business Response /* (1000, 5, 2015/09/15) */
September 15, 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").
According to our records, the above referenced account has an open, active insurance claim as a result of water damage to Ms. [redacted]'s property. All required documentation has been received and an insurance claim check, number [redacted] in the amount of $5,035.01, payable to [redacted] of New Mexico and [redacted], was sent on September 14, 2015. This amount represents the first disbursement needed to begin repairs on Ms. [redacted]'s property.
If Ms. [redacted] has any further questions, she should contact her account representative Jalana N. at
(800)[redacted], extension [redacted], or Emmanuel M. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800)[redacted], Monday - Friday 7 AM to 8 PM, and Saturday 7 AM to 1 PM CT.
Sincerely,
Libby [redacted]
Customer Service Correspondence Supervisor
/slb/39/
cc: [redacted], [redacted] Albuquerque, NM 87112

I am rejecting this response because:
I paid the STATEMENT AMOUNT that was on the 2/22/2016 STATEMENT!!! I paid it before the due date of 3/15/2016.  Now on my 3/22/2016 statement the have a deferred balance of $51.07.  None of the totals are adding up at all.  You don't owe money when you pay your statement amount and your deferring money so it looks like you are getting extra. and when you reversed my payment of $431.99 you put the payment back as $371.89.  Im getting screwed here!!!

Ditech makes every effort to credit payments as requested. The payment hierarchy for the account 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 posted 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.The regular monthly payment is $782.87. Records reflect a payment of $765.00 was received on April 25, 2016, and was placed in the unapplied funds account creating a balance of $1,508.81. The amount due to satisfy the April 1, 2016, due date was $804.57 because it included a late fee of $21.70. Therefore, $804.57 was removed from the unapplied funds account, which satisfied the April 1, 2016, due date. The additional $704.24 was posted as a principal reduction payment.On June 29, 2016, we reallocated the $704.24 from the principal balance and placed it back into the unapplied funds account to assist in satisfying the June 1, 2016, due date. A late fee of $21.70 was assessed on May 16, 2016, which is valid. As of today, the account is due for the June 1, 2016, due date in the amount of $782.87, less the unapplied funds account balance of $704.24, and has a late fee balance due of $21.20.If [redacted] has any further questions, she should contact her account representative Natashia C. at ###-###-####, extension [redacted], or Christie G. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

Initial Business Response /* (1000, 7, 2015/08/26) */
August 26, 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 the account with Green Tree Servicing LLC ("Green Tree").
We understand [redacted]'s concerns. Please be assured that the correspondence has been reviewed with the appropriate department management and the following response is provided.
Our records show that we have previously responded to [redacted]'s concerns in our letter dated August 3, 2015. As mentioned in our correspondence, a review of the account revealed that incorrect tax payments were made from [redacted]'s escrow account. However, Chesterfield County refunded all of the incorrect tax payments. The funds were credited back to [redacted]'s escrow account. In addition, we updated our records to remove the incorrect parcel number from [redacted]'s account.
As of this date, the escrow account balance is negative $578.93 due to a recent disbursement for homeowner's insurance of $560.00. In addition, the account is past due for the April 1, 2015 payment and all subsequent installments. To discuss payment arrangements, [redacted] should contact account manager, John R. at (800) [redacted], extension [redacted] or Octavius M. at extension [redacted].
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,
Vanessa [redacted]
Customer Service Correspondence Supervisor
/jcn/49/
cc: [redacted], North Chesterfield, VA 23236
Initial Consumer Rebuttal /* (3000, 9, 2015/08/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The response received from Green Tree is unacceptable.
The initial shortage shown was $454.10 and the new shortage of $22.54 is also not correct.
Tax Payment shown by Green Tree: Payment for the following dates and amounts should not be paid since the loan on my house [redacted] was paid off per the Green Tree letter dated June 13, 2013.
10/22/2013 Payment for $425.75
5/20/2015 Payment for $438.74
10/28/2014 Payment for $438.74
4/28/2015 Payment for $438.74
Total for all Payments $1741.97
The taxes paid above have not been removed but have been offset by refunds. I had paid taxes since I was billed; Green Tree was not billed for the property taxes. The refund was caused due to duplicate payments first paid by me and then paid by Green Tree for the property located on [redacted].
I never received a response for the charge of $106.97+$146.36=$253.33. The penalty was charged by Chesterfield County for paying the taxes late on my house located on[redacted].
No explanation was included for asking $148.32 of additional escrow for each month (April, May, June) totaling to $444.96.
The total refund should be $2440.26. (Adding $1741.97+253.33+444.96)
Contrary to the above, I have been receiving different amounts to be paid for the remaining balance for[redacted].
Letter Dated 6/11/15 = $454.10
Letter Dated 7/21/15 = $22.54
Letter Dated 8/14/15 = $799.55
I am receiving letters stating that I should be paying these amounts without any explanation and I still have not received a response regarding my questions listed in my letter dated 6/30/15.
Attachments
1. Refer to pages 1 through 3: Shows I own both parcels 1 and 2. The address of parcel 1 is [redacted] with Parcel Tax ID [redacted] and address of Parcel 2 is [redacted] with Parcel Tax ID [redacted].
2. Refer to pages 2,3, and 4: The real estate taxes for [redacted] are $603.84 and for [redacted] are $438.74 for every six months in 2015.
3. Refer to pages 7 through 9 and page 15: The loan for [redacted], Parcel 1, was paid off May 14th, 2013 and the loan for [redacted], Parcel 2, was paid off on June 1, 2015.
4. Refer to pages 4 through 6 and page 15: Despite my paying of the loan in full on May 14, 2013 as shown on pages 7 through 9, Greentree is paying the real estate taxes on [redacted].
5. Refer to page 10: Greentree received a refund of $1741.97 from Office of Treasurer Chesterfield County. I paid the real estate taxes on this property since it did not have any mortgage from Green tree. My escrow account was never credited for the amounts Chesterfield County refunded to Green Tree.
6. Refer to pages 11 through 13. Despite many calls from me and correspondences from Chesterfield County, the real estate taxes of the second half of [redacted] were paid on November 26, 2014 instead of the due date of December 5, 2013. A penalty of $146.36 was shown against me in escrow account as shown on page 11. Similarly refer to page 12: First half of 2014 taxes were due on June 5, 2014 and were paid on November 26, 2014 with a delinquent penalty of $106.97. Total charges for delinquent real estate tax payments to Chesterfield County was $253.33.
7. Refer to page 15: Greentree increased the payment to $843.93 from $695.61 for the so called escrow shortage. I paid $148.32 extra for months of April, May, and June 2015 totaling $444.96 additional.
8. Refer to page 6: Although loan on [redacted] was paid off on June 1, 2015, the escrow account is scheduled through March 16, 2016. It may also include some amount contributing to the escrow shortage.
I am requesting with this letter a correct escrow statement giving a credit of $1741.97 (item 5) for the refunded amount, $253.33 (item 6) for the penalty since Greentree did not pay the taxes on time, $444.96 (item 7) additional escrow payments and any other amount (item 8). Based on this information I have provided there should be a credit of $2440.26 to me instead of a balance of $457.57 as shown.
Also, please refer to Green Tree attachments 1, 2, 3, 4, and 5.
Final Consumer Response /* (3000, 15, 2015/09/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The responses from Ms.Vanessa [redacted] are not correct and do not answer the questions for payment which were not supposed t be charged in the escrow account.
1. The payments of real estate taxes on [redacted] when loan was paid in full.I am requesting a new escrow schedule for [redacted] beginning 5/2013. I want to know how much money was paid for taxes and insurance for [redacted].
4/23/2013 $425.75 Payment
10/22/2013 $425.75 Payment
1/8/2014 $425.75 Refund
5/2/2014 $438.74 Payment
7/19/2014 $438.74 Refund
9/18/2014 $588.53 Payment
9/18/2014 $603.84 Payment
10/28/2014 $603.84 Payment
10/28/2014 $438.74 Payment
2/11/2015 $438.74 Refund
4/28/2015 $438.74 Payment
4/28/2015 $603.84 Payment
7/10/2015 $438.74 Refund
2. Why are tax refunds from Chesterfield County being offset with the taxes? The taxes were not to be since the loan was paid and I had paid real estate taxes already.
3. Why am I being charged for a delinquent tax payment for the property on[redacted]? The delinquent tax payment occurred because Green Tree did not pay the taxes on time, despite repeated reminders from Chesterfield County and myself.
4.How was the additional money I paid in April, May, and June credited?
5. Why did Green Tree pay fire insurance on [redacted] when the loan was paid in full in June? I had paid the fire insurance premium. This is another example of the poor quality of customer service from Green Tree.
6. I have tried calling Green Tree many times and the persons answering the phone are not professional and also hang up on the phone call. If Vanessa [redacted], who is a supervisor cannot answer my questions properly, then is is difficult to gen an answer from another person?
I am requesting Ms. [redacted] to answer each of my questions since her answers are not correct and Green Tree has to refund money as stated in my letter.
Final Business Response /* (4000, 19, 2015/10/09) */
October 9, 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 rebuttal filed by [redacted] regarding his account with Ditech Financial LLC ("Ditech").
We would like to apologize that the service Mr. [redacted] received was not to his satisfaction. We strive to provide exceptional levels of servicing and recognize opportunities for improvement.
In reference to Mr. [redacted]'s request for a breakdown of the payments and escrow transactions, we previously provided the payment history. However, per Mr. [redacted]s request, we have enclosed the payment history for both properties referenced in the correspondence.
As previously communicated to Mr. [redacted], as the legal description covered the two properties, we were required to make the property tax payments to account for both of the parcel numbers. In order to remove one of the parcel numbers, we required an updated legal description reflecting only one parcel.
Due to overpayments, the county sent the refunds to Ditech. The funds were then credited back to the escrow account. As mentioned in our previous correspondence, penalties and interest were not assessed to Mr. [redacted]. Ditech absorb the fees due to the delayed in payment.
The current account being serviced is for the property located at [redacted], Chesterfield, VA 23237. The loan was transferred with an escrowed account for property taxes and homeowner's insurance. Accordingly, Ditech will disburse property tax and insurance premiums on their respective due dates. On July 1, 2015, we received renewal notification from State Farm Insurance, policy number 965784929. Subsequently, a disbursement was completed on August 3, 2015, for the premium due. As of the date, the escrow balance remains at negative $578.83.
Mr. [redacted]'s paid in full loan was for the property address of [redacted]. Our records do not indicate that we disbursed payment for homeowner's insurance. We did, however, receive an insurance refund on April 18, 2013.
If Mr. [redacted] has any further questions, account representative John R. may be contacted at (800) [redacted], extension [redacted], or Octavius M. 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,
LaShika [redacted]
Customer Service Correspondence Supervisor
/jcn/38/
cc: [redacted], North Chesterfield, VA 23236

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). Please be advised, upon further review we have determined that the Lakeridge Tax District bill is for untilities/water and was previously paid from Mrs. [redacted]'s escrow account due to delinquency on October 15, 2015 in the amount of $1,056.03 and on January 09, 2016 in the amount of $1,056.03 to protect our security interest in the property; however, the utility/water bill was never included in the escrow account, as stated in our previous correspondence. In addition, since it is not a tax bill we are unable to include it in Mrs. [redacted]'s account even with a signed request. When we completed the escrow analysis for Mrs. [redacted]'s account on December 23, 2015, the utility/water bill was erroneously included, which caused the monthly payment to increase. We have completed a new escrow analysis, which reflects the utility/water bill being removed and Mrs. [redacted]'s monthly payment amount will be adjusted from $823.75 to $471.74 effective with the November 01, 2016 due date. An Annual Escrow Account Disclosure Statement will be sent to Mrs. [redacted] under separate cover. We apologize for the confusion this matter has caused Mrs. [redacted]. If [redacted] has any further questions, she may contact her account representatives Tracey L. at ###-###-####, extension [redacted], or 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.

I am rejecting this response because:Not sure how after careful review of the account, they have verified that a reimbursement was processed on November 25, 2016 because no ACH transfer of any amount has been seen in my TruWest account.   As stated in my original complaint I am told by their customer service that a check is in the mail for $140.00.  I am exhausted from talking to their customer and I am continually told they will call me back but they never do.  Ditech  definitely needs to do further research and then they need to call me.I just received my monthly statement and it shows the $100.00 overdraft charges that they claim were waived.  I need some documentation to show that those fees have been waived.I need to be compensated for inconvenience that Ditech is still putting me through.If Mr. [redacted] has any further questions, he may contact his account representatives Terri S. at (800) [redacted], 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.

Initial Business Response /* (1000, 15, 2015/04/24) */
April 24, 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 Mr. [redacted] regarding his account with Green Tree Servicing LLC ("Green Tree"). Let me assure you we take these matters very seriously.
We understand Mr. [redacted]'s concerns. Please be assured the correspondence was reviewed with the appropriate department management and the following response is provided.
The account number referenced in Mr. [redacted]'s complaint is not the same account number that Green Tree is servicing. We are servicing account number [redacted] (this is the account number provided by the previous account servicer).
Green Tree is servicing the 2nd Lien on the property. The account number [redacted] may be for the 1st Lien on the property.
The servicing of the referenced account was transferred from GMAC Mortgage, LLC ("GMACM") to Green Tree effective October 1, 2009. The assignment, sale, or transfer of the servicing of the mortgage account does not affect any term or definition of the mortgage instruments, other than terms directly related to the servicing of the account. The account is an active charge off with a balance of $47,431.44.
We apologize for any dissatisfaction this matter may have caused. If Mr. [redacted] has additional account questions he can contact our Asset Receivables Management Department at (866) [redacted] between the hours of 6:00 am - 7:00 pm Monday - Thursday and 6:00 am - 12:00 pm Friday MST.
Sincerely,
[redacted]
Customer Service Correspondence Supervisor
/rgf/50
cc: [redacted], Granville, VT, 05747

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech). Records indicate that when the annual escrow analysis was completed for Mr. [redacted] account in March the anticipated property taxes were listed twice,...

which resulted in an nwe elevated monthly payment, effective with the June 1, 2016 payment due date. A corrected analysis was completed on July 6, 2016, which adjusted the monthly payment from the elevated payment of $2,313.97 to $1,773.67. Unfortunately, the analysis did not change the previously billed payments. Mr. [redacted] remittance of payments in the pre-analysis payment amount resulted in funds remitted being placed in unapplied funds and the combination of those payments in order to satisfy the full payment requirement of Mr. [redacted] contract. Pursuant to Mr. [redacted] correspondence, a reversal of the elevated payment amounts credited to the contractual payment was completed for the account on September 13, 2016, and the reapplication of the corrected payment was completed on September 16, 2016. These reallocations may have triggered systematically generated notices of account delinquency or the appearance of delinquency in his online account information. We apologize for any dissatisfaction this may have caused. Mr. [redacted] should be assured that all late fees assessed to the account and any negative credit reporting that may have occurred have been waived and/or reversed from the account. As of the date of this letter, Mr. [redacted] account is in good standing and contractually due for the October 1, 2016, payment of $1,773.67. We would like to apologize for any inconvenience that this matter may have caused. If Mr. [redacted] has any further questions, he may contact his account representatives Kathy O. at [redacted], 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 [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 sold my home on 1 Nov 2017. Ditech sent me an escrow check on 17 Nov. USAA sent Ditech a refund check in the amount of 780.00 to be issued to me. Ditech cashed the check on 27 Nov after stating that they never received s check from USAA. I have been in touch with Ditech since 7 Nov with no success. They keep passing me on. I just received another letter from Ditech with a new on going extension day letter dated 26 January. This is ridiculous. I should not have to wait any longer. This is my third extension from them. The first extension was verbal Nov to Dec, then Dec to Jan now Jan to Feb. this could go on and on. Please help.

Please see the attached response to the customer's correspondence.