Ditech Financial, LLC

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). 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. Per the mortgage contract, Ditech policy, and The Real Estate Settlement Procedures Act ("RESPA"), during the time period we are processing a claim, the claim check is deposited into a non-interest bearing account. When all of the required documents are received, the funds are released accordingly to ensure that the repairs are completed appropriately. Please note, the processing time on a claim, once all documents are received, is 7-10 business days. Records indicate that the claim information was received and entered into our system on August 2, 2016. The claims check for $13,940.27 was received on August 4, 2016, but was not endorsed. The check was returned for endorsement on August 4, 2016. The endorsed check and documentation were received on August 15, 2016. Additional claims information was received on August 17th and 22nd. Pursuant to Mr. [redacted]'s request received on August 26th, a check in the amount of $13,243.25, was issued on August 29, 2016, and mailed by FedEx, tracking number [redacted] on August 29, 2016. For further clarification on the contractual right to hold insurance claims funds, Mr. Seeley may review Section 5, titled Property Insurance and Section 7, titled Preservation, Maintenance and Protection of the Property , on the enclosed copy of his Texas Home Equity Security Instrument (contract). If further documentation should be required or Mr. [redacted] has further questions, he may contact the Claims Department at the contact information listed below. Ditech Financial LLC Attn: Claims Dept [redacted] Rapid City, SD 57709-6158 ###-###-#### If Mr. [redacted] has any further questions, he may contact his account representatives Jagger G. 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 ###-###-####, 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] GARLAND, TX 75044 [redacted]

I am rejecting this response because:
The response report just simply made one fact is incorrect.  They report said:   "Records indicate that on May 31, 2016, a bank bill pay payment of $1,160.00 was received without payment instructions and was applied to the account as the July 1, 2016,"Actually the fact is April 30 payment was applied to account as July 1st due.  May 31 payment was applied as August 1st due.   I do not understand why they are reading the statement make mistake.  I have attached the billing statement for you review. Please let me know if you need any additional document to approve my payment.  I can back tracking from the first payment.Thanks for your help. [redacted]

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 dissatisfaction or inconvenience 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 reimbursement Mr. [redacted] requested was processed on October 04, 2016. The amount of $1,600.00 was reimbursed to Mr. [redacted]'s bank account via ACH (Automated Clearing House). Mr. [redacted] will need to contact his bank to verify receipt of the reimbursed funds. Billing statements are generated 2-3 days after each payment is received, regardless of the timing or amount of the payment received. If no payment is received, a billing statement is generated 2-3 days after the late fee assessment date. We are sorry to hear that Mr. [redacted] has not been receiving his billing statements and are including a copy of the most recent billing statement for Mr. [redacted]'s records. For our customer's convenience, statements are also available online. Mr. [redacted] may mail payments to any of our payment addresses listed below. The account number should be included in the memo line of the payment. Ditech Financial LLC [redacted] Palatine, IL 60094-4710 Ditech Financial LLC [redacted] Pasadena, CA 91109-7169Ditech Financial LLC [redacted] Dallas, TX 75266-0934 Please note that Mr. [redacted]'s account is not and has not been in foreclosure at any time. We apologize for misinformation Mr. [redacted] may have received when he spoke with our Customer Service Representatives. As of the date of this correspondence, Mr. [redacted]'s account is next due for $1,537.85 for the November 01, 2016 due date. If [redacted] has any further questions, he may contact his account representatives Esther D. at ###-###-####, extension [redacted], or Bobby M. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

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 would like to apologize for any confusion that may have been caused. Account records indicate on July 14, 2016, Mr. [redacted] contacted Ditech and requested for the automated payment plan (ACH) to be cancelled. This request was fulfilled on July 19, 2016.As of today's date, the account is next due for the August 1, 2016 due date in the amount of $1,860.96. We have included a copy of the payment history to validate how payments have been applied to the account.Records indicate on July 18, 2016, Ditech also received a faxed request for all ACH cancellation request to be faxed. We are including copy of the ACH cancellation notices and confirmations that have been sent.If [redacted] has any further questions, they should contact their account representative Shunnette L. at ###-###-####, extension [redacted], or William F. at extension [redacted]. Our Customer Service Departmentis 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,Jared [redacted] DitechCustomer Servicecc: [redacted] FORT WASHINGTON, PA 19034 [redacted]

I am rejecting this response because:
Dear Ditech Financial,  Thank you for your prompt response. I wish this was the kind of information I would have received in a timely manner when I submitted my request for modification back in September 2016. This is information was relayed to me and that modification from 2015 was never mentioned as a factor in to me attempting to get a modification last year. I repeat the fact that it took from September 2016 to May 2017 for me to get a prompt response is not acceptable. I was/am and have been more than diligent to make several phone calls to make sure I am sending the correct information. I feel Di tech financial representatives especially my initial case manager David D. procrastinated to handle my case and this is like a set up for consumers to fall behind and make it nearly impossible to maintain their homes. On this base I do kindly ask for you to take this into consideration the fact that my case was never handled diligently. Please feel free also to attach the call records with detailed notes  that I made since last July 2016 so you  can see and prove my interest in keeping my home.   -[redacted]

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 that Mr. [redacted] is dissatisfied with our previous responses. As previously stated once an account becomes past due we will make outbound telephone calls to all phone numbers on file to secure payment arrangements. If Mr. [redacted] is not receiving phone calls on the home telephone phone number we have on file for him he will need to contact Customer Service to update his contact information, which will ensure he receives communication regarding any future delinquencies on the account in a timely manner. Payments may be remitted at any time via mail, Western Union, by phone, on-line (availability determined by account status), Money Gram, or via our automatic payment program. Some payment options have a service fee, while others are free. The payment addresses have been provided in our previous response and a billing statement is not required to remit payment. The type of insurance being billed on the account monthly does not require an escrow account. Please be advised, we do not establish escrow accounts for manufactured home accounts. In addition, an escrow account would likely cause the monthly payment to increase as Ditech opts to maintain a two month cushion on our escrow accounts as allowed by law. Mr. [redacted], Mr. [redacted], and Mrs. [redacted] are not required to carry insurance offered through Ditech and may cancel at any time; however, insurance is required to be maintained and proof of insurance must be sent to Ditech in accordance with their contractual agreement. If [redacted] has any further questions, he may contact his account representatives Sierra D. at ###-###-####, extension [redacted], or Daniel T. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

It is true that Ditech did credit me $60.00 on 2/9/16, however, I did not get the credit for the $12.00 speed pay that I would have never set up had Ditech not called me. His letter was a little false in the fact that Ditech did call me and left a message that my account was past due, and my account has been set up as an automatic withdrawl payment since my loan has been in place AND it is not past due or why would I set up an auto draft on that date for the life of the loan!! I DID call Ditech back and left 2 messages the day that I received the call from them and NO BODY called me back. I even left a message stating that I made an online payment, DO NOT DEDUCT again tomorrow when it should be taken. NO CALL BACK, just a double dip in my checking account! POOR POOR POOR customer service!!

Americanwide Inc is who got signatures from me not green tree then green tree switched me to ditech

We apologize for the inconvenience and dissatisfaction that this matter has caused. Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. Please be advised, due to system issues, Mrs. [redacted]'s mailing address was not updated as requested. The original escrow surplus check was generated on October 18, 2017. Please note checks are generally mailed within 2-3 business days after they have been generated. On November 03, 2017, the original check was cancelled and a new check was issued on November 07, 2017. Unfortunately, the mailing address was still not updated accurately. The reimbursement Mrs. [redacted] requested was processed on December 20, 2017. The amount of $3,363.63 was reimbursed to her bank account via ACH (Automated Clearing House). Mrs. [redacted] will need to contact her bank to verify receipt of the reimbursed funds.

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

regarding her account with Ditech Financial LLC (“Ditech”). We understand Ms. [redacted]’s concerns. Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided.         The servicing of the account was transferred from Residential Credit Solutions, Inc. to Ditech on March 1, 2016. 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 that while the transfer of servicing was effective on March 1, 2016, the account has not been fully boarded and verified with Residential Credit Solutions, Inc. until mid-March. We regret any inconvenience this may have caused.  Records indicate that on February 16, 2016, an annual escrow analysis was completed by Residential Credit Solutions, Inc. A review of the Annual Escrow Account Disclosure Statement, issued by Residential Credit Solutions, Inc. indicates that a shortage of $224.40, was found and the monthly payment, effective April 1, 2016, had been adjusted to $985.06. The escrow accounts are analyzed once a year to reconcile payments made to escrow against any increases and/or decreases in disbursement made from escrow for private mortgage insurance (PMI), homeowner’s insurance and/or property taxes. Accounts may be subject to one or more of these types of items. At the time of the analysis, any surplus and or shortage/deficiency is addressed.                                          ...⇄ The analysis is completed by taking into account the total amount of the projected disbursements expected over the next 12 months and spreading them over 12 months to determine the “base” escrow amount. The projected disbursements are based on the cost of the previous year’s disbursements. A cushion of two months of the “base” escrow amount is allowed to be retained per your Mortgage documents and/or State law. A cushion is retained to allow for possible increases in actual disbursements over the projected amount and is an actual part of the required escrow. A shortage occurs when the projected balance is less than the required balance, but not in the negative. A deficiency occurs when the escrow reaches a negative balance. The new monthly payment was calculated using the following anticipated disbursements: Scheduled Disbursements: Amount Insurance $1,614.56 County Tax $649.30 School Tax $709.94 Special Tax $160.42 Total Scheduled Disbursements $3,134.22 Divided by 12 Months   = Monthly Escrow Payment $261.18 On April 6, 2016, Ms. [redacted] contacted our Customer Service concerning the escrow payment adjustment, at which time she was advised that the shortage payment had not yet been forwarded from the prior servicer, Residential Credit Solutions, Inc. and credited to her account. On April 13, 2016, Ms. [redacted] contact our Customer Service at which time she was advised that the escrow shortage payment had been confirmed as paid but had not yet been credited to the account. On April 18, 2016, Ms. [redacted] contact our Customer Service concerning the shortage payment at which time the payment was located, applied to an incorrect account number and was requested to be reallocated to Ms. [redacted]’s account. The shortage payment was reallocated to the correct account on April 22, 2016. The monthly payment has now been adjusted, effective with the April 1, 2016 payment due date, to remove the additional payment amount  required to repay the escrow shortage. This has adjusted the monthly payment from $985.06 to $966.36. A copy of the analysis completed by Residential Credit Solutions, Inc. is enclosed for Ms. [redacted]’s review. Please note, Ms. [redacted]’s account requires full payments. Her last payment of $900.44, was received on April 21, 2016, but has been placed in suspense because it is insufficient to pay the full payment due. An additional payment of $65.92 is required to be received in order to apply the payment remitted to the next contractual payment due. 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, Kristina [redacted] Customer Service Correspondence Supervisor /asw/54/ cc:  [redacted]         [redacted]         Houston, TX 77073 [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). Records indicate that an email dated December 15, 2016, was received and entered into Ms. [redacted]'s account for...

response on December 19, 2016. Although we strive to respond to all inquires as quickly as possible, due to the current volume of inquires, responses may take up to approximately 30 days to be processed. A responses to Ms. [redacted]'s additional correspondence submitted to Ditech on December 15, 2016, December 22, 2016, and January 2, 2017, had not yet been responded to when this complaint was received. A review of Ms. [redacted]'s account has determined that a payoff quote was issued for Ms. [redacted]'s account on November 17, 2016, pursuant to a request made by First American Title Company on November 16, 2016. Included with this payoff quote is a notice which states " If you currently have your monthly payment set up on automatic withdrawal, or have any pending payments set up, we advise you to contact Customer Service at the below phone number to cancel your activation/payments prior to payoff." A payment of $191,294.48 was received on December 14, 2016, and was applied to the account as a payoff. A review of the account confirms that a request to cancel Ms. [redacted]'s automatic payment plan was not received and a payment of $1,612.06, was transmitted for processing 4 to 5 days prior to its receipt on December 15, 2016. Funds received after an account has been closed are automatically returned approximately 30 days after receipt. Pursuant to Ms. [redacted]'s request, the refund of the additional payment referenced above was expedited and returned directly to her bank account on January 6, 2017. If [redacted] has any further questions, she may contact our Customer Service Department at (800) [redacted] Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT. Sincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted], [redacted], OAKLAND, CA 94611 [redacted].[redacted]@gmail.com [redacted]

Dear [redacted]: Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech). Private Mortgage Insurance, or PMI, is a type of insurance required with some mortgage contracts to protect the lender in the event a...

borrower would default on their loan. PMI benefits customers with lower down payment requirements and protects lenders from potential default losses. Ditech notifies the PMI Company of a default when the account becomes 45 days delinquent. As customers repay their home loan, they build equity (home worth amount - amount owed = equity). The contract can specify a time-period that the PMI is required and after this time the customer would be allowed to request the PMI be removed from their account if certain requirements are met. The address for the submission of escrow requests and authorizations to is provided below for Ms. [redacted]'s convenience. Requests may be faxed or mailed to: Ditech Financial LLC L800- Escrow Dept [redacted] St. Paul, MN 55102 Fax: ###-###-#### Records indicate that Ms. [redacted]'s loan originated on May 29, 2015, in the amount of $385,900.00. By taking the current principal balance of the loan, which is $378,115.15, and dividing it by the original principal balance of $385,900.00, the approximant loan to value ratio of the loan is ($378,115.15 / $385,900.00 = .979) 98%. Per the PMI disclosure signed by Ms. Chaves on May 29, 2015, the borrower has the right to request the cancellation of PMI when the loan to value ratio is less than 80% or the date the loan is scheduled to reach 80%, which is October 1, 2018. Please note, the actual loan to value ratio will depend on the results of an appraisal. Copies of Ms. [redacted]'s initial PMI disclosure and an informational pamphlet from the Department of Finance is enclosed for Ms. [redacted]'s review. A request to complete an appraisal and the required authorization to assess the cost of that appraisal to the account has been received. Our Escrow Department will contact Ms. [redacted] in order to schedule the appraisal and the results of the review will be sent in writing by our Escrow Department when the review has been completed.If [redacted] has any further questions, she may contact her account representative Hiwot G. 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. Sincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted], [redacted] THORNTON, CO 80602 [redacted]

RE: Case#[redacted] , [redacted]Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech).We would like to apologize for any inconvenience that may have been caused. Unfortunately, due to a system upgrade the reallocation...

was not completed in a timely manner.Your payment in the amount of $866.16 was received on March 24, 2016 and was applied as extra towards principal. Pursuant to your request, these funds have been reallocated and applied toward the April 1, 2016 due date. A second payment in the amount of $866.16 was received on April 29, 2016 and was applied to the May 1, 2016 due date. A late fee in the amount of $30.79, that was assessed for the misapplied payment, has been waived. As of the date of this correspondence, your account is next due for the June 01, 2016 due date in the amount of $866.16.If you have any further questions or concerns, please contact ###-###-####, 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] BELOIT, WI 53511 ARSw5eBzkeB

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).As advised in our previous correspondence, we did not receive the Master Policy needed to update the account. The information that was received from the prior servicer included expired policy information. On March 14, 2016, a fax was sent to Global Indemnity Insurance Agency Inc. at 732-632-2779 requesting the updated Master Policy. We have also attempted to locate the current Master Policy information in the Condo Database; however, a current policy was not found. On June 20, 2016, an additional fax was sent to Global Indemnity Insurance Agency Inc. at 732-632-2779 requesting the updated Master Policy. As of today's date, an updated Master Policy has not been received.The sale and transfer of servicing rights between financial institutions is a common occurrence in today's lending industry. Please note we are unable to facilitate Mr. Nash's request as we cannot transfer an account upon a customer's request.

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). Pursuant to Mr. [redacted]'s correspondence, a review of his account determined the following: On January 30,...

2015, payments for delinquent property taxes, in the amount of $2,148.60, were disbursed. On March 10, 2015, a property tax refund, in the amount of $2,148.60 was received. Subsequently, payments for property taxes were also disbursed on March 27, 2015, October 6, 2015, March 26, 2016, and October 20, 2016. These disbursements resulted in a negative escrow balance of $4,666.62 in November 21, 2016. Unfortunately, an escrow analysis was never completed for the account to increase Mr. [redacted]'s monthly payment for the addition of escrow until June 30, 2016. The analysis completed increased the monthly payment from $985.82 to $1,622.76 monthly. Records indicate that Mr. [redacted] contact our Customer Service on October 30, 2015, who confirmed that the property taxes were now escrowed. No further contact occurred with Mr. [redacted] until September 2016. During a subsequent contact with Mr. [redacted] it was determined, that additional payment amounts had been remitted using Mr. [redacted]'s electronic bank bill pay service, since May 1, 2015, which were intended as payment for property taxes Ditech had disbursed. The electronic payments did not include payment application instructions, and the account had not been appropriately coded to indicate an escrow payment was needed, which would have triggered an initial escrow analysis to be completed, which caused the funds received to be systematically applied to the account's principal balance. In response to Mr. [redacted]'s concerns, we have completed payment reallocations to correct the funds applied outside of Mr. [redacted]'s intention. Mr. [redacted] has remitted sufficient funds to zero the balance of the escrow account and as a courtesy, Ditech has agreed to cancel the escrow account and the late fees assessed to the account have been waived. The negative credit reporting that occurred as a result of the incorrectly applied payments has been corrected with the credit reporting agencies. We apologize for any inconvenience this matter may have caused. If Mr. [redacted] has any further questions, he may contact their account representatives Courtney J. at ###-###-####, extension [redacted], or Bobby M. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT. Sincerely,Jared [redacted] Customer Service Correspondence Supervisor cc: [redacted], PUYALLUP, WA 98373[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. Mr. [redacted]'s payment of $1,411.35 received April 30, 2016, has been reallocated...

and was applied to the May 1, 2016 payment on June 10, 2016, backdated to April 30, 2016. Please be assured that the late fee assessed to the May 2016 payment due to this matter has been waived.The corporate advance of $425.00 was the cost of the appraisal that Mr. [redacted] authorized us to assess to his account in order to have the Private Mortgage Insurance (PMI) cancelled. Out of this amount, $21.25 was collected on April 12, 2016; therefore, the current outstanding balance is $403.75.There is also a non-sufficient fund charge due in the amount of $25.00. Mr. [redacted] was assessed this fee as his payment of $849.99, received April 15, 2016, was returned unpaid on April 20, 2016.If Mr. [redacted] has any further questions, he should contact his account representative Kimberlee L. at ###-###-####, extension [redacted], or Ina H. at extension [redacted]. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

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 inconvenience or dissatisfaction that this matter has caused. Our mission is to provide...

exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. Please be advised, the escrow refund check in the amount of $1,196.73 was reissued in [redacted]'s name only on November 28, 2016. The check was mailed to [redacted] West Richland, WA 99353. We apologize for the delay. If [redacted] has any further questions, he may contact our Customer Service Department at (800) [redacted] Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

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 understand Mr. [redacted]'s concerns. Please be assured that his correspondence has been reviewed with the appropriate department management and the following response is provided.Mr. [redacted] should be advised that payments that are received in amounts different from the payment due are placed in unapplied funds ("UAF"). If sufficient funds are available to apply a full payment, funds are applied to the next monthly payment due and any outstanding amounts such as finance charges, re-turned payment fees, late fees, escrow due, and acquired accrued interest, prior to the application of funds to the principal balance. This form of payment posting is determined by the mortgage contract and the ser-vicing protocols of the account.When a payment is received, if there are no payment instructions included, it is systematically applied to the account per the above listed payment hierarchy. Records indicate that Mr. [redacted]'s last payment of $1,050.00 was made through our website on June 4, 2016. The payment was systematically applied to the June 1, 2016, contractual payment and additional funds in the amount of $109.53. The reallocations referenced in our prior correspondence included this payment, which was reallocated to the July 1, 2016, payment due date on June 6, 2016. Future payments remitted should apply to the account per the above detailed hierarchy.If [redacted] has any further questions, he should contact his account representative William G. 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.Sincerely,Kristina [redacted]Customer Service Correspondence Supervisorcc: [redacted], [redacted], LOS ANGELES, CA 90048 ASWItCgPuim

Here is the Authorization and Consent to Release Form. Thank you so much for helping me with this issue.

I am rejecting this response because:
I do not accept this response based on the following:
1.) I've called Ditech several times in the last few months to schedule payments and not once did any of the representatives mention I was delinquent on my payments. Ditech argues that they sent me notices, I admit I didn't read all of these because most of the time it's just junk mail or offers to refinance. My thought process is I've scheduled payments, representatives haven't mention to me at all that I have any payments pass due. I travel a lot for my job so I'm not always home.
2.) I've had my mortgage since 2008, not once have I ever missed a payment. My payments have always been scheduled out and again, this whole issue arose when the Ditech representative took down my information wrong and it caused a domino effect. Again, they might have sent letters but my view or frame of mind was that most of the stuff in the mail is junk. I was under the impression my payments were scheduled out so it was one less thing to worry about
3.) I strongly believe if the Ditech representative would have taken down my information properly, none of this would have happened. Again, please check my history. I have no intentionally missed a payment and this whole issue arose from their error