Ditech Financial, LLC

Records indicate that Ms. [redacted]'s account was updated to reflect the deceased status of the co-borrower [redacted] on March 23, 2015 and the account was again notated on September 27, 2016. Ms. [redacted] should be advised that the contractual agreement to repay the debt was entered into...

by both [redacted] and [redacted]. As previously conveyed in a response letter issued October 3, 2016, upon his death, [redacted]'s responsibility for the debt was transferred to his estate. As both the loan investor and Ditech's policies require the account to match the contractual agreement to repay the debt and we do not have a program to automatically add or remove a name from the contract, both names will remain on the account until it is refinanced or paid in full. A copy of our prior response is enclosed for Ms. [redacted]'s review. For information regarding current financing or refinancing options with Ditech, Ms. [redacted] may contact a Loan Specialist in our Originations Department at ###-###-#### or visit our website at www.ditech.com.

I am rejecting this response because:I have sent ditech all the requested paperwork I also had a attorney call ditech to explain to them that the paperwork sent was legal documents ditech still refused to except the paperwork sign and filed with the clerk of court in livingston parish where the mobile home is located ditech / greentree had received all the documents more then one time I don't understand why they keep asking for the same documents they did the same thing when I sent the insurance check and all the estimates this is what they do keep asking for paperwork documents they have already received

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. I received the check on May 24, 2016. Thank you!

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).An Automated Universal Data form (AUD) was sent on May 25, 2016, to the four major credit reporting agencies (Equifax, Experian, Innovis and TransUnion),...

to delete the account from Ms. [redacted]' credit history as the foreclosure sale was completed November 5, 2013, before the account was transferred to Ditech. Once the information is received, it may take 5 to 7 business days for the credit reportingagencies to update their records.If Ms. [redacted] has any further questions, she should contact her account representative Jummey 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.

Attached is the signed Authorization and Consent to Release Form.  Thank you  [redacted].

Check needs to be reissued in my name. I approve and certify this complaint.

[redacted]corresponding documents attached. RE: Case #[redacted], Glen [redacted]Dear Angela [redacted]:Thank you for the opportunity to respond to the complaint filed by Glen [redacted] regarding their account with Ditech Financial LLC (Ditech).Our records indicate that the payment of $180.00 remitted via check number 0000995204 was received by Ditech on May 02, 2016; however, a complete account number was not listed on the check, nor did the name or address on the check match any of our accounts.  Since we  were unable to locate the account the funds were intended to be applied to, the funds were mailed back to Darlina [redacted] via check to 12218 Calle Sombra, Moreno Valley, CA 92552 on May 16, 2016.  Since the funds were returned and not applied to the account we are unable to change the credit reporting for the May 01, 2016 due date.  Ditech is legally required to report accurate information and therefore is prohibited from changing credit reporting as a courtesy or to facilitate restoration of Mr. [redacted]'s credit rating.Please note that in accordance with Mr. [redacted]'s claim that the funds were not returned to Darlina [redacted], we have reissued the check for $180.00.  A copy of Darlina [redacted]'s original check payment has been enclosed for Mr. [redacted]'s reference.If Glen [redacted] has any further questions, he should contact Our Customer Service Department at (800)643-0202, Monday - Friday, 7:00 a.a. 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: GLEN [redacted], [redacted]RRA0rio0dsl

April 28, 2016 [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA 220 S RIVER RIDGE CIR BURNSVILLE MN 55337            RE:  Case #[redacted] Dear [redacted]: Thank you for the opportunity to respond to...

the complaint filed by [redacted] regarding her account with Ditech Financial LLC (“Ditech”). We understand [redacted]’s concerns.  Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided.         Account records indicate your payment of $650.00 was received on April 5, 2016 but was not immediately posted to your account.  On April 27, 2016, the referenced payment correctly posted to your account.  The transaction was backdated to April 5, 2016 to ensure proper credit to your account.  Please be advised, there has been no negative reporting to the credit bureaus. Ditech apologizes for any inconvenience this matter has caused. Enclosed for your convenience is a copy of the payoff quote good through May 7, 2016. We again apologize for any dissatisfaction this matter may have caused.  If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.  Sincerely, Shea [redacted] Customer Service Correspondence Supervisor /ars/51/ cc: [redacted]   [redacted]       Columbus, OH 43213  [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 dissatisfaction Mr. [redacted] has encountered. Records indicate that Mr. [redacted]'s payment, received June 29, 2016, was applied to...

the principal balance. However, this payment was reallocated on July 30, 2016, and applied to the August 1, 2016 payment as Mr. [redacted] intended. The payment was backdated to June 29, 2016 to ensure Mr. [redacted] received proper credit to his account.Please be assured that this matter did not cause a late fee to be assessed to the account, or negative information to be reported to the credit reporting agencies. On July 30, 2016, a billing statement was generated and mailed to Mr. [redacted] showing the next amount due on his account is $1,162.41 for the September 1, 2016 due date.If Mr. [redacted] has any further questions, he should contact his account representative Jalisa H. at ###-###-####, 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 ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

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. I also received a phone notification that this action was taken.Thank you very much for resolving this issue.[redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (“Ditech”).  Our records indicate that the subordination request was not denied. However, the subordination request was submitted with a new loan amount in...

excess of the maximum allowed per the investor guidelines. Enclosed is a copy of the subordination requirements. Key item number seven indicates that the new loan amount is limited to the unpaid principal of the existing first mortgage loan. This means that any closing costs, escrow, or fees need to be paid out of pocket by the customer. We did confirm that the new lender, Fidelity Co-Operative Bank, had the correct investor requirements for this account. Please note that Ditech is unable to waive the investor's guidelines and we are not authorized to make exceptions, as we would be in violation of the servicing contract we have with the investor. Records show that our Subordination Department sent five separate requests to Fidelity Co-Operative Bank requesting additional documents, such as a valid authorization and updated title, and that the loan amount be lowered. On April 11, 2016, Fidelity Co-Operative Bank provided the final item required to complete the subordination within the investor guidelines and the subordination was approved and shipped April 13, 2016 via FedEx [redacted]. If Mrs. [redacted] has any further questions, she should contact her account representative Jesse H. at ###-###-####, extension [redacted], or Travis 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., and Saturday 7:00 a.m. to 1:00 p.m. CT.  Sincerely, Jared [redacted] Customer Service Correspondence Supervisor

Ditech makes every effort to credit payments as requested. Payment are processed electronically and the application of the payment is processed per the below payment hierarchy:1.) Regular monthly payment 2.) Escrow advances3.) Corporate advances4.) Late fees5.) NSF fees6.) Other fees7.) Principal...

balanceRecords reflect the payment of $20,000.00, received on April 22, 2016, was applied toward the principal balance. On May 19, 2016, the payment of $2,000.00 was received and paid the May 1, 2016, due date of $657.66 and the June 1, 2016, due date of $630.92. The additional $711.42 was applied toward the principal balance. Pursuant to [redacted]'s request, the $20,000.00 and $2,000.00 payments were reversed and reapplied on June 4, 2016. The payments were posted as indicated below:- May 1, 2016, due date of $630.92 - June 1, 2016, due date of $630.92 - Principal payment of $19,369.08- Principal payment of $1,369.08In addition, the late fee of $26.74 was waived. We apologize for the dissatisfaction and length of the time it took Ditech to correct this error. As of today, the account is reflecting next due for the July 1, 2016, due date in the amount of $626.62.If [redacted] has any further questions, she should contact her account representative Ami C. at ###-###-####, extension 55116, or Shanna S. at extension 57119. 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.[redacted]

I am rejecting this response because:
What is the definition of a loan modification? What is a mortgage modification? A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower's loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment: reduce the interest rate. Mortgage modification is a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower (i.e. mortgagee and mortgagor). In general, any loan can be modified, and the general process is referred to as loan modification or debt rescheduling   April 21 2015   Today, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) took action against Green Tree Servicing, LLC, for mistreating mortgage borrowers who were trying to save their homes from foreclosure. The mortgage servicer failed to honor modifications for loans transferred from other servicers, demanded payments before providing loss mitigation options, delayed decisions on short sales, and harassed and threatened overdue borrowers. Green Tree has agreed to pay $48 million in restitution to victims, and a $15 million civil money penalty for its illegal actions. Green Tree failed consumers who were struggling by prioritizing collecting payments over helping homeowners,” said CFPB Director Richard Cordray. “When homeowners in distress had their mortgages transferred to Green Tree, their previous foreclosure relief plans were not maintained. We are holding Green Tree accountable for its unlawful conduct  THIS IS MY SITUATION THEY TALK ME IN TO KEEP MAKING PAYMENTS THAT I CULD NOT AFFORD ON THE PROMISE THAT THEY WOULD MODIFY MI LOAN MODIFICATION As a servicer, Green Tree is responsible for, among other things, creating and sending monthly statements to borrowers, collecting payments, and processing payments. For troubled borrowers, it administers short sale and foreclosure relief programs provided by the owner of the loan. These “loss mitigation” programs provide alternatives to foreclosure. Green Tree is responsible for soliciting borrowers for these programs, collecting their applications, determining eligibility, and implementing the loss mitigation program for qualified borrowers. The CFPB and FTC allege that Green Tree engaged in illegal practices when servicing loans that it acquired from other servicers. According to the complaint filed by the CFPB and FTC, on a number of occasions, Green Tree failed to honor loan modifications that consumers had entered into with their prior servicers and insisted that the consumer pay their original, higher monthly payment. Green Tree also failed at times to get the information and documentation from the prior servicer that it needed to accurately collect payments from consumers GREEN TREE RECEIVED MY LOAN FROM GMAC WHERE ALSO I WASPROMISE A LOAN MODIFICATION PASS THE 6 MONTHS TRIAL PERIOD AND THEN THEY SAID THEY NO LONGER WILL SERVICE MY LOAN AND I LOST OVER 2 TWO YEARS THEN GREEN TREE GAVE ME A SO CALLED LOAN MODIFICATION WHERE THEY CAN NO PLACE ME IN ANY PROGRAM THAT AT THE TIME WHERE IN PLACE ADD $146.000 TO MY PRINCIPAL AND 20 MONTHS LATER FIND THAT THE TAXES FOR 2010 AND 2011 WHERE NOT PAID VERY CONVINIENT SINCE IN NEARLY 30 MONTHS I PAID OVER $135.000 AND ONLY $2800 GOING TO THE PRINCIPAL. Green Tree demanded payments before providing loss mitigation options, delayed decisions on short sales, and resorted to illegal practices to collect mortgage payments from consumers who fell behind on their loans, including false threats, repeated calls, and revealing debts to third parties, like employers. Green Tree’s failures as a mortgage servicer hurt homeowners. In many cases LIKE ME WHERE I AM ABOUT TO LOOSE MY HOUSE ONE MORE TIME   I DONT ACCEPT  THE RESPONSE FROM DITECH FINANCIAL LLC WHERE THEY WORK WITH  NUMBERS  THAT MAKE NO SENSE TO ARRIVE TO THE $146.000 IN LATE FEES WHEN IT WAS NOT MY FAULT AND I WAS MESLEAD AND THEY RECOGNIZED WHEN I WENT TO MEET WITH THEIR OWN PEOPLE IN FTLADERDALE LIKE I SAID WHEN I PLACE MY COMPLAIN I DONT WANT THEN TO GIVE MY ANYTHING ONLY WHAT IS FEAR AND LEGAL

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding his account with Ditech Financial LLC (Ditech). As Mr. [redacted] indicates, after the loan modification was applied to his account, the next payment due was $370.26 for the June 1, 2014 due date. We received check 588, in the amount of $366.16, from Mr. [redacted] on June 5, 2014. Since this payment was not enough to complete the June 1, 2014 payment, $4.10 was advanced to complete this payment and $370.26 was applied to his account on June 26, 2014, and backdated to June 5, 2014. Therefore, the unapplied funds balance was -$4.10. We received check 590, in the amount of $367.49, July 2, 2014. Since this amount was not enough to complete the July 1, 2014 payment of $467.26, this payment was placed into unapplied funds. This brought the unapplied funds balance to a positive balance of $363.39. Enclosed is a copy of the billing statement dated July 8, 2014, indicating the amount due was $934.52 for the July 1, 2014 and August 1, 2014 due dates, with $363.39 in unapplied funds. We received check 593, in the amount of $368.45, on August 2, 2014. This payment was combined with the unapplied funds balance of $363.39 and $467.26 was applied to the July 1, 2014 due date. This left an unapplied funds balance of $264.58. Enclosed is a copy of the billing statement dated August 8, 2014, indicating the amount due was $885.95 for the August 1, 2014 and September 1, 2014 due dates, with $264.58 in unapplied funds. Enclosed is a copy of the billing statement dated September 8, 2014. Since we had not yet received another payment, this billing statement indicated the amount due was $1,304.64 for the August 1, 2014, September 1, 2014, and October 1, 2014 due dates. We received check 595, in the amount of $318.92, on September 17, 2014. This payment was combined with the unapplied funds balance of $264.58 and $467.26 was applied to the August 1, 2014 due date. This left an unapplied funds balance of $116.24. Enclosed is a copy of the billing statement dated October 8, 2014, indicating the amount due was $1,294.73 for the September 1, 2014, October 1, 2014, and November 1, 2014 due dates, with $116.24 in unapplied funds. We received check 278, in the amount of $318.92, on October 16, 2014. This payment was combined with the unapplied funds balance of $116.24, and $418.69 was applied to the September 1, 2014 due date. This left an unapplied funds balance of $16.47. We also received check 224, in the amount of $318.92 on November 5, 2014. Since this amount was not enough to complete the October 1, 2014 payment of $418.69, these funds were placed in unapplied funds. This brought the unapplied funds balance to $335.39. Enclosed is a copy of the billing statement dated November 8, 2014, indicating the amount due was $1,333.39 for the October 1, 2014, November 1, 2014, and December 1, 2014 due dates, with $335.39 in unapplied funds. Also enclosed is a copy of the billing statement dated December 8, 2014, indicating that the amount due was $1,790.74 for the October 1, 2014, November 1, 2014, December 1, 2014, and January 1, 2015 due dates.We received check 281, in the amount of $318.92, on December 19, 2014. This payment was combined with the unapplied funds balance of $335.39, and $418.69 was applied to the October 1, 2014 due date. This left an unapplied funds balance of $235.62. We have enclosed the remaining billing statements up through the most current billing statement dated August 16, 2016. Please note that the monthly home payment was $201.50 and the monthly escrow payment was $117.42, for a total amount of $318.92; however, as indicated in our previous response, there were also advances that were being collected with the monthly payments for assessed legal fees. Enclosed is a copy of the escrow analysis dated July 21, 2014, advising that the new monthly payment would be $418.69 beginning with the September 1, 2014 due date and a copy of our correspondence that was mailed to Mr. [redacted] dated October 11, 2014, which gave a breakdown of how these advances were being collected. Mr. [redacted] has continued to send less than the amount due each month even though his billing statements, escrow analysis and previous letter to him advised of the correct amount due. Our records also indicate that our representatives have explained the advances owed to Mr. [redacted] several times and of his delinquent account. As of today's date, Mr. [redacted]'s account is in a foreclosure status. He will need to contact his account representative listed below to obtain the amount needed in order to reinstate his account.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:
Since this is the first I am hearing that the PMI will discontinue as of Sept. 1, 2016, I am requesting Ditech send me that information in writing stating the PMI payment will be discontinued as of Sept. 1, 2016. I will consider the complaint 'closed' when I receive this letter and will not pursue an appraisal at this time. Also, please tell them '[redacted]' is usually a 'female' name. It is annoying to be lied to and also have your very easily interpreted name, referred to as a male. (Mr. [redacted]) It is not respectful or professional to treat your customers in this way. Revdex.com:Thank you very much, Revdex.com. It is disheartening when a business you pay regularly, and so much money too, does not treat you fairly until they are reported. I hope you are able to monitor Ditech's practices in the marketplace and hold them responsible should they continue to provide their customers with false information, knowing they are delaying their request. It looks like many others have complained about this company's deceptive practices. Please continue to keep an eye on them. Many thanks again. [redacted]

RE: Case#11602005, [redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech). Mr. [redacted] should be advised 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. Unapplied funds (UAF) is simular to a hold tank. Funds received are placed in UAF and then disbursed out to be applied payments due, principal, escrow, etc. A simplified payment history is enclosed for Mr. [redacted]'s convenience. In order to provide further explanation concerning the application of Mr. [redacted] payments we provided the following breakdown: On April 6th a $700.00 payment is received and placed in unapplied funds (UAF) $845.04 prior UAF balance = $1,545.04 UAF balance after payment $1,545.04 was then taken from UAF -$256.30 applied to principal -$1,288.74 applied to April 1, 2016 payment due date = $0.00 UAF balance after payment application On April 18, 2016 a $700.00 payment is received and placed in UAF = $700.00 UAF balance after payment On April 19, 2016, $700.00 was removed from UAF and applied to principal = $0.00 UAF balance after payment application On May 2, 2016 a $700.00 payment is received and placed in UAF = $700.00 UAF balance after payment On May 16, 2016, a $400.00 payment is received and placed in UAF = $1,100.00 UAF balance after payment On May 31, 2016, a $700.00 payment is received and placed in UAF = $1,800.00 UAF balance after payment $1,800.00 taken from UAF -$462.91 applied to principal -$1,337.09 applied to May 1, 2016 payment = $0.00 UAF balance after payment application On June 13, 2016, a $700.00 payment is received and placed in UAF = $700.00 UAF balance after payment On June 27, 2016, a $700.00 payment is received and placed in UAF $1,400.00 UAF balance after payment $1,400.00 taken from UAF -$1,209.56 applied to June 1, 2016 payment -$190.44 applied to principal = $0.00 UAF balance after payment application July 11, 2016- a payment reallocation occurred. All payments from May 2nd forward were reversed and placed in UAF in order to redistribute payments due for May, June, and July, Late fees were waived. On July 12, 2016, a $604.78 payment is received and placed in UAF = $700.00 UAF balance after payment On August 2, 2016, a $604.78 payment is received and placed in UAF = $1,209.56 balance in UAF after payment On August 3, 2016, $1,209.56 was taken from UAF and applied to August 1, 2016 due date. $0.00 UAF balance after payment Mr. [redacted] may use the enclosed payment history to verify how his payments have been applied since Ditecch began servicing the loan, effective February 1, 2013. If Mr. [redacted] has any further questions, he may contact his account representatives Aleese D. at ###-###-####, 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 ###-###-####, 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], [redacted] ASWFvvYj8ha

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.I must add that these people are nothing but professional liars and scammers.  In the 2 months it took me to get this check which should have taken 1 week to receive I needed to make over 100 phone calls.  I was lied to many times and heard differing stories from every rep I spoke to.  This place is a mockery and should be shut down by the Government for their tactics.  It is sad that people are forced to deal with this company without choice as loans are sold and transferred to them without the borrowers consent.  I refinanced my loan just not to deal with these people.  Their reputation was so bad they were forced to change their name.  New name same garbage.[redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] received on June 21, 2016, regarding her account with Ditech Financial LLC ("Ditech").Please be advised, we are unable to provide account information to the buyer's attorney without a signed letter of authorization from...

[redacted]. The authorization must show that we are authorized to release information specifically to the buyer's attorney. It should also include what information we are allowed to disclose. [redacted] can provide the signed authorization to the Ditech address or fax number listed on this response.The servicing of your account was transferred from CitiMortgage Inc. ("CitiMortgage") to Ditech on September 1, 2014. The transfer of servicing does not affect the account terms and conditions, other than those related to the servicing of the account.Please be advised, Ditech can not release a lien on behalf of another entity and our lien will not be released until the loan is considered paid in full. Enclosed is a copy of the Assignment of Deed of Trust from Lehman Brothers Bank, FSB, to CitiMortgage. Also enclosed is a copy of the recorded Mortgage.If [redacted] has any further questions, she should contact her account representative Hazel G. at ###-###-####, extension [redacted], or Rita 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.

May 6, 2016 [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA 220 S RIVER RIDGE CIR BURNSVILLE MN 55337       RE:  Complaint ID #, [redacted] Dear [redacted]: Thank you for the opportunity to respond to the complaint filed...

by [redacted] regarding her account with Ditech Financial LLC (“Ditech”).  When a payment is not received in full by the due date, attempts are made to contact the customer in order to prevent the account from further delinquency.  Collection communications are placed solely for the purpose of determining payment intentions when the customer fails to pay as agreed.  If the customer has agreed to make a payment, collection communications may continue if a payment is not received by the promised date.  If the delinquency is not resolved, we may exercise our right to seek possession of the collateral.      The account is reflecting past due; per regulations, the WA Notice of Pre-Foreclosure Options notice, dated April 20, 2016, was generated.  The notice advised to contact us at ###-###-####.  When this phone number is called, it will ask for identifiable information, inform the customer of the account status and ask if the caller wants to speak with a representative.  If the caller indicates they want to speak with a representative, they are transferred to our Customer Service Department for assistance.  At no time, does the phone number ask for an extension.  We apologize if [redacted] experienced difficulties in reaching us to discuss the account status.  She may contact her account representative Jordanna R. at ###-###-####, extension [redacted] or Charles S. at extension [redacted]. In addition, per the terms of the contract, the lender may pay necessary expenses in order to protect its security interest in the property.  The lender may then seek reimbursement from the customer.  Unless arrangements are made, failure to pay the expenses may constitute a continuing default under the terms of the contract.  Records do reflect that we ordered an inspection of the property, which was completed on April 20, 2016.  As part of the inspection process, the vendor placed a notice, in an envelope, on the door advising [redacted] to contact us.  We apologize if the phone number left on the note was not accurate.  Please note, our Customer Service Department phone number below for future reference. We again apologize for any dissatisfaction this matter may have caused.  If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.  Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/32/ cc: [redacted]., Vancouver, WA  98684

May 6, 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 understand [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 [redacted]’s request, we have reivewed the credit reporting for her account. The account had previously been reported as foreclosure intitated for the account, but not as a repossessed property. We have submitted the updated information to the major credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) to reflect the account status of closed, was 120 + days past due. The individual credit reporting agencies may take up to 3-5 business days for this information to be updated by the Credit Bureaus. Please keep this letter for verification of the change. We again apologize for any dissatisfaction this matter may have caused. If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) 643-0202, Monday - Friday, 7 a.m. to 8 p.m., and Saturday 7 a.m. to 1 p.m. CT.  Sincerely, [redacted] Customer Service Correspondence Supervisor /asw/36/ cc:  [redacted]          [redacted]
[redacted] Tell us why here...