Ditech Financial, LLC

April 28, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 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 Account records indicate your payment of $was received on April 5, 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, to ensure proper credit to your account Please be advised, there has been no negative reporting to the credit bureausDitech apologizes for any inconvenience this matter has causedEnclosed for your convenience is a copy of the payoff quote good through May 7, 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, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Shea [redacted] Customer Service Correspondence Supervisor /ars/51/ cc: [redacted] [redacted] Columbus, OH [redacted]

I am rejecting this response because: There should not be ANY past due amountThe May 1st Payment posted to the account ($2020.00) on May 2ndAlso the account shows an incorrect escrow amount of $532.30; instead of $

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 misinformation that Ms [redacted] was providedThis account was paid in full and closed on March 1, There was a escrow surplus of $1,298.76, which was mailed to Ms [redacted] on March 17, If Ms [redacted] has not received this refund, she should contact our Customer Service Department at the telephone number listed below, so a new check can be issuedIf Ms [redacted] has any further questions, she may contact her account representatives Alisha Mat ###-###-####, extension ***, or John Hat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

We apologize for any confusion or dissatisfaction that this matter has caused Mr [redacted] Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementAccount records indicate that Mr [redacted] 's account became delinquent in April In an effort to assist Mr [redacted] in bringing the account current the prior servicer deferred the April, May and June monthly payments to the end of the loan, which totaled $Please be aware that once payments are deferred they no longer accrue interestMr [redacted] 's account became delinquent again in May when no payment was received for the May 14, due dateWhen the account fell further behind, Mr [redacted] was once again offered an Extension Agreement to defer the past due payments and bring the account currentOn October 28, 2002, the prior servicer deferred the July, August, September and October monthly payments, which totaled $The next payment due was for the November 14, monthly payment; however, records indicate a payment was not received until December 14, The account remained delinquent and on January 17, 2005, the prior servicer again deferred payments to assist Mr [redacted] in bringing the account currentThe referenced payments were due December 2004, January 2005, and February 2005, which totaled $Copies of the Extension Agreements have been enclosedWe are unable to comply with Mr [redacted] 's request to waive any part of the amount owed, as all charges are valid

I am rejecting this response because:Bankruptcy provides provides the right to stay in your home, there has been no lift of stayI understand Ditech is a collection agency and apparently forces illegal activitiesDitech sent documents to complete a modification, but I never received themWhen I requested another copy the documents were never receivedI also, applied under a different name, [redacted] and never received confirmation my application was receivedDitech repeatedly sent requests for documents that were receivedThe persons assigned to my account never returned calls or processed my applicationI have reported Ditech to multiple government entities and thank you for this experience

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 that Mr [redacted] may encountered in dealing with our associates or for any inconvenience that may have been causedPolicies are set in place to ensure both Mr [redacted] 's interests and our interests in the property are protected in the event of an insurance claimThe processing time on a claim, once all documents are received, is 7-business daysWhen all of the required documents are received, the funds are released accordinglyMr [redacted] also has the option to have the funds applied to principal on his account.Please be advised, account records indicate Mr [redacted] spoke with our claims department on July 27, regarding the current claim on fileUnfortunately in order to release funds, Ditech requires a copy of the Wand pictures after completionDitech was advised that they will be using materials that a friend will be supplying but we will still require an estimate for the materialsOnce all information is received we will proceed with the processing of the claim.If [redacted] has any further questions, they should contact their account representative Arnetta Pat ###-###-####, extension ***, or Kimberly Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] , [redacted] **, DENTON, NC [redacted]

I am rejecting this response because:Because Ditech is not addressing my concern of why make a consumer complete Loss Mitigation Forms if the account is not delinquent daysTherefore, until I receive the answer to my question, I will keep complaining until I know why we were made to complete those forms knowing the account is not delinquentAs I have stated that was a wasted of a year to be told no because the account was not delinquent, and we should have been advised of this back in August when all this beganNo, I do not accept this response, and I demand an answer & something other than we apologize & sorry for the inconvenience from DitechOn October 03, 2017, MrTimothy [redacted] , had responded on the behalf of Ditech, LLC (servicer) & Fannie Mae (investor) in regards to Ms [redacted] F [redacted] ’s compliant against the decision of loan modification Once again, MrTimothy [redacted] (October 03, 2017) & now MsShea [redacted] (October 17, 2017) , has neglected to inform us why Ditech, LLC made us to complete the loss mitigation forms TWICE knowing that account was NOT DELINQUENT DAYSAs I have stated, we fully understand why decision was made; however, the decision that was provided could have prevented a lot of wasted time, long waiting, and paperwork to be completed if was advise at the beginning processDitech LLC made this a difficult process, and stated the first set of forms that were not submitted on time & the required documents were missingHowever, the forms were sent in on time, and had the fax confirmation to prove the documents were sent in on time As I have stated, NO ONE from Ditech LLC or Fannie Mae had even made an attempt to advise us to BE APPROVED FOR THE LOSS MITIGATION PROGRAM THE ACCOUNT MUST BE DELINQUENTTherefore, if SOMEONE would have advised from reviewing Ms [redacted] ’s account it appears that the account is NOT DELINQUENT DAYS to complete the Loss Mitigation Program Forms Then at this point we could have asked FOR what other options we could have made to Ms [redacted] ’s mortgage cheaperONCE AGAIN, we were advised to complete the Loss Mitigation to make Ms [redacted] ’s mortgage cheaper Yes, the representative did advise Mr [redacted] ’s of the “Know Your Options” website after the decision was made on August 08, OF DENIED BASED ON THE ACCOUNT IS NOT DELINQUENT DAYS as MrTimothy [redacted] statedHowever, the Know Your Options is a good tool to use to let consumers know if they would meet the qualifications of a Loss Mitigation Program, but we did not know about this website until August 11, In addition, Mr [redacted] stated, we were provided other options in regards to Loss Mitigation on August 11, If the representative did provide additional Loss Mitigation options from DITECH, LLC, THEN WHY ARE WE COMPLAINING AGAINST DITECH, LLC & WHERE ARE THOSE ADDITIONAL LOSS MITIGATION FORMS THAT COULD BE FILLED OUT? Furthermore, Fannie Mae’s website do explain “Know Your Options;” however, the website do explain in details the qualifications of Fannie Mae’s Loss Mitigation Program, and that any Fannie Mae mortgage accounts MUST BE DELINQUENT DAYS Since the representative did advise of the “Know Your Options” website, here is the proof that Ditech, LLC is aware of the guidelines of the process to approve a consumer for the Fannie Mae’s Loss Mitigation ProgramTherefore, IF we were advised prior of August 11, of this information, then we could figure another way to make the Ms [redacted] ’s mortgage cheaper After filing a complaint the first time against Ditech, LLC, and we were made to complete the LOSS MITIGATION FORMS FOR A SECOND TIMEOnce again we were advised that some documents were missing & additional documents are required to complete the process of the Loss Mitigation Forms, but not the account is not DELINQUENT DAYSFinally, the representative “Camry R” that is stated by Mr [redacted] in his response to the complaint on September 24, 2017, is not the account representative that we have been working with during this processThe account representative name is “Wendy W.,” and Wendy Wis the representative stating that Ms [redacted] ’s is not approved based on the account not being Delinquent days Until we receive an answer on WHY WE WERE MADE TO FILE THEM FORMS OUT TWICE KNOWING THE ACCOUNT WAS NOT DELINQUET DAYS, then I am going to complain until this made right Thanks [redacted] On September 08, 2017, MrTimothy [redacted] , had responded on the behalf of Ditech, LLC (servicer) & Fannie Mae (investor) in regards to Ms [redacted] F [redacted] ’s compliant against the decision of her loan modificationYes, Ms [redacted] is aware that the decision of the loan modification was based on the guidelines of Fannie Mae’s loan modification program However, Ms [redacted] & [redacted] wanted to know why, Ms [redacted] , was made to complete the loan modification twice, and both Ditech LLC & Fannie knew that Ms [redacted] ’s mortgage was not delinquentMr [redacted] has spoken to several representatives at Ditech LLC, the account representative “Wendy W.,” Timothy [redacted] , and Claudia with Fannie Mae, and none of those individuals had advised, Ms [redacted] or Mr [redacted] , that the mortgage does not meet the qualification of the loan modification program As matter of fact, Mr [redacted] was required twice to answers questions to see if the account met the qualification of the loan modification program, and each time representative was advised that, Ms [redacted] is barely making the mortgage payments based on her SSI income of $Once again, nobody informed them that the account had to be days delinquent or death or divorce or disabilityMr [redacted] stated, “Pursuant to the investor’s modification guidelines, a loan applicant must show imminent default if the loan is not more than sixty days past dueImminent default is considered one of the following events: • Death • Divorce • Disability Ditech’s records reflect that we received a completed loss mitigation application from Ms [redacted] on July 24, Ms [redacted] ’s loan was reviewed for a modification and the enclosed modification denial letter was sent on August 8, 2017, as the loan is current and Ms [redacted] did not provide any evidence of imminent default.” If Ms [redacted] was advised of these requirements before completing all the required documents twice, Ms [redacted] caused have requested for another form of assistance; however, Ms [redacted] was not advised & that is not just Furthermore, Mr [redacted] stated, “Ms [redacted] is able to appeal the decision if she believes the determination was made in error.”Once a complaint was submitted to the Consumer Finance on, August 26, 2017, that was Ms [redacted] filing appeal against the decision that was made that was not brought to her attention prior to completing those documents In addition, Mr [redacted] stated, “We are committed to working with Ms [redacted] on her loss mitigation needsPlease have Ms [redacted] contact Ditech at ###-###-#### with additional questions or concerns.”However, Mr [redacted] did call on, August 11, 2017, and the representative advised Mr [redacted] to sell Ms [redacted] ’s home since she cannot afford to keep the house Therefore, Ditech LLC was not committed on working with Ms [redacted] , and no additional options were provided on the committed on working with Ms [redacted] when the letter from Ditech LLC was sent on August 08, Finally, why were the documents made to be completed & individuals were aware the account was not delinquentTherefore, this is not just & is wrong on the behalf of Ditech LLC & Fannie Mae who are “committed to working with Ms [redacted] .” Thanks [redacted] Below is the letter sent to Consumer Finance on August 26, August 26, The purpose of this letter is to file a complaint against Ditech LLC (servicer) & Fannie Mae (investor) Around July or August 2016, [redacted] had contacted Ditech (servicer) for some assistance on the mortgage paymentsMs [redacted] advised the representative the mortgage payments are almost amount received for her SSIThus, Ms [redacted] is experiencing financial hardship due increase of expenses around the houseThe representative confirmed that Ditech can aid with this request, but Ms [redacted] is required answer a few questions to see if qualified to receive some forms from Fannie Mae to aid with her request of a manageable mortgage payment I, [redacted] , am [redacted] ’s son, and I assisted my mother with answering those questions & filling out the forms; however, Ms [redacted] or I was not advised the main requirement required to be approve for assistance from Ditech & Fannie MaeMs [redacted] & I was never advised by all the representatives & supervisors from Ditech, letters from Ditech, missing documents from Ditech & Claudia w/ Fannie Mae, Ditch’s response from the file compliant, Claudia days investigating against Ditech, emails from Claudia, and phone calls with Claudia that we were advised that Ms [redacted] ’s mortgage payments must be to days delinquent before providing any assistance Therefore, our thought process is why send the forms for assistance twice, why tell us what documents were missing, why send all the required documents & forms for assistance, and why do a days investigation if Ditech & Claudia w/ Fannie Mae both knew Ms [redacted] ’s mortgage payments were not delinquent & the account would not be approved because of this reason When Mr [redacted] called Ditech on August 11, to see why, and a representative stated it was Fannie Mae who made the decision & that maybe my mother should sell her home if she could not afford her homeHowever, Claudia w/ Fannie Mae stated it was Ditech who made the decision, and it was nothing Fannie Mae could do as an investorThen Ms Claudia refused to provide Mr [redacted] with a supervisor, that all supervisors have a set schedule, the supervisors do not wait after 5pm to speak with consumers, and stated did advised Mr [redacted] of the – days delinquent Thus, I reviewed all letters, documents, & emails very careful before writing this letter, and it was nothing said about the – days delinquent requirements Now, Ms [redacted] ’s mortgage payments are going to be $w/ a SSI income of $All the letters & documents stated some kind of assistance would be provided; however, we only got a rejected letter Thanks [redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).Records indicate the reason the private mortgage (PMI) denial letter was mailed to Mr [redacted] advising he had mortgage payments that were late was because his September 1, payment was not applied to his account until October 2, However, this payment was backdated to September 9, 2016; therefore, Mr [redacted] does have the option to cancel the PMI.Before we order an appraisal, we would like to inform Mr [redacted] that his PMI will automatically terminate on September 1, 2016, with no appraisalAs advised, Mr [redacted] does have the option of cancelling his PMI sooner, however, the cost of an appraisal is approximately $to $Also, it will take approximately three weeks to order and obtain the appraisalIf Mr [redacted] 's account qualifies to cancel the PMI after obtaining the appraisal, the PMI would be cancelled as of the date of the appraisal.If Mr [redacted] would still like to go forward with ordering an appraisal, he may fax a letter to me directly at ###-###-####.If Mr [redacted] has any further questions, he should contact his account representative Christopher Mat ###-###-####, extension ***, or Ina Hat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

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 regret any dissatisfaction Mr [redacted] may have encountered in his attempts to contact his account representativeOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementIt is our policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat all parties with respectOur representatives are trained and monitored to ensure adherence to all applicable collection laws and regulations, both state and federalOur records also indicate that multiple attempts to contact Mr [redacted] have been made and voicemails have been left, but our calls have not been answeredMr [redacted] should be advised, that Ditech has multiple numbers and extensions for our employees and are unable to provide specific phone numbers for outgoing callsMr [redacted] may contact his account representative, Jeremiah Sdirectly at (800) [redacted] , extension ***, at his conveniencePayments mailed to the remittance address are processed by a federally regulated processing center hired by us to apply payments to accountsThey are required to process all payments within hours of receiving the check; therefore, all payments received are processed regardless of the date on the envelope or checkPayments are applied to the account consecutivelyA copy of Mr [redacted] 's payment history is enclosed for his reviewPursuant to Mr [redacted] 's correspondence, a review of the account did not find that payments have been held from applying to Mr [redacted] 's account or that any claim of missing payments requiring research to locate funds remitted has been requestedPlease note, Ditech has no liability for any delays caused by the United States Postal ServiceThe due date for the account is the 20th day of each monthIf a payment is not received in full by the due date, the account will be past dueIf a payment is not received in full by the end of days after the due date, a late fee may be assessedOur records indicate that late fees have appropriately been assessed to the accountPlease see the enclosed Exhibit A for a list of late fees assessed to the accountOur records also indicate that an email was received from Mr [redacted] on November 4, Though we strive to respond to all correspondence as quickly as possible, a response may not be provided for or more days after the correspondence is receivedWe apologize for any dissatisfaction this may have causedThe referenced hazard insurance policy was cancelled on October 31, 2016, due to non-payment.As of the date of this letter, Mr [redacted] 's account is contractually due for the August 20, paymentThe last payment received for the account, in the amount of $583.47, was remitted through our website on September 27, 2016, but returned due to non-sufficient fundsTherefore, as a result of the returned payment and the current account delinquency Mr [redacted] 's account is not currently eligible for online paymentsIf Mr [redacted] has any further questions, he may contact his account representatives Jeremiah Sat (800) [redacted] , extension ***, or Lamne Jat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted] , Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] , [redacted] **, CHARLOTTE HALL, MD [redacted]

Thank you for the opportunity to respond to the rebuttal complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech)The servicing of this account was transferred from Bank of America N.Ato Ditech on April 01, The transfer of servicing does not affect the account terms and conditions, other than those related to the servicing of the accountGreen Tree Servicing LLC and Ditech Mortgage Corpwere sister companies that combined to form Ditech Financial LLC, known as Ditech, a Walter Company on August 31, We apologize for any dissatisfaction Ms [redacted] has encounteredOur policy and practice is to conduct all communications in a courteous and professional manner and to, at all times, treat our customers and third parties with respectWe do not tolerate unprofessional behavior from any of our associatesPursuant to Ms***'s request, Ditech is in the process of assigning a new account representative to the accountA letter will be sent to the mailing address listed on the account under separate cover advising the updated assigned account representative informationUnfortunately, we are unable to locate an incident in which extended payments were set up on the account by Ditech and late fees were assessedInformation in regard to the specific time frame in which this occurred, would allow Ditech to further research Ms***'s concerns; however, extensive research on the account has rendered no incidents of late fees assessed to the account due to payments set up after the late fee assessment date by DitechIn an effort to resolve Ms***'s concerns regarding the repayment plan, we reached out to the borrower on multiple occasionsAttempts for contact were made to the home and cell phone numbers on file on the following dates: January 20, 2017, January 23, 2017, January 26, 2017, January 30, and February 02, Messages to return our call were left with each attempt on the cell phone; however, we were unable to leave messages on the home phone number as the answering machine kept cutting off before we were able to leave a messagePlease be advised that Ditech still has not received the January paymentAs of the date of this correspondence, the account is past due in the amount of $2,for the November 01, through February 01, due datesAdditionally, the account has a late fee balance in the amount of $and $in unapplied fundsIf Ms [redacted] has any further questions, they may contact their account representative Zena Dat ###-###-####, extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

I am rejecting this response because: I did receive the letter that was attached by Shea Anderson however this came after my initial contact with Ditech after I alerted them to the issues that I was having with my Ditech accountOn April of this year Ditech updated their systemWhen I logged in afterwards I noticed that my autopay was no longer set up at which time I called in and spoke with Supervisor Erica (ext***) who was able to request that it be reactivated as it had been previouslyThis call took place on April When I checked back in a week later the changes had not gone through and I called and spoke with Erica again (4/20/2016) who informed me that their system was showing that I had canceled autopay the day after we spoke on the phone, which is what this letter is refering toThis was not the case and I asked her how we could get it set back up again at which time she emailed me the bi-weekly autopay application (not available to apply online or even download the form on the web at that time)I faxed the forms back in that day to authorized autopay to be re-set up for a 1490$ payment to be made bi-weekly starting on 4/28.When the payment was not taken on 4/I called back in and spoke with Dorothy (I did not get her extension) who informed me that my request had been denied because I needed to be a month ahead on my payments before I would become eligible for autopay (to note: I had been on autopay for two years preceding and was a month ahead on my payments when I first enrolled in March of 2014)At this point I requested that I be transfered to a supervisor (Star) who may be able to help me get my payments back on trackStar took my payment over the phone since autopay had not and told me that I should resend the application in for a date of 5/which should be far enough in the future for autopay to be turned on before payment needed to be withdrawnI faxed those forms in that day as well, on 4/My payment taken by Star on 4/was not posted to my account properly and my May bill showed as not paid while the payment that was taken was sent to just my principle instead of my payment (this has happened twice when I have called in payment to ditech to pay my bill).I called back in on 5/because this payment was not applied correctly and autopay was still in errorI spoke to a number of representatives who were unable to help me (Elise, Don, Ronice and one other who's name I did not get) before I spoke with Peter (ext***)He assured me that he would be able to get the issue resolve and told me that it wasn't enough time for the autopay to be set up and I would need to choose a date further in the futureWhile I was on the phone he put me on hold and told me that he was speaking with the ACH team responsible for the autopay withdrawals and that I would not need to refax the forms, that they would be able to use the form that I had previously sent in and adjust it for a few payments in the future (i.esince 5/was too soon to be set up we could make it for 6/and that he would take post dated phone payments in the interim on 5/and 5/Peter also requested that the funds mistakenly attributed to principle only be applied correctly and told me that he would call me back on 5/to make sure that the 5/payment was applied correctly and then again on 5/to make sure that autopay was set up correctly and ready to be used.On 5/Peter called back and checked my account againI was pleased that he followed through when he said he would call me back but at that time neither the misappropriated 4/payment had been corrected nor had autopay been appliedOnce more he put in the request for both of those things to be correctedOn 5/after I didn't hear from Peter again I called in and was told that there were technical dificulties with his extension and I could not be connected and the automated phone system would hang up on me.In my most recent call on 7/when my 7/payments had still not been attributed and I was concerned with being late on my monthly bill I was told that there was nothing they could do to fix this problem and that the best they could do is to take me off of the autopay system since they couldn't adjust the payment amountI was also told that I was grandfathered in to the system from my previous autopay payments which is why these payments were taken on 7/despite apparently not being a month ahead on my mortgage payments as is typically requiredI also questioned why a request that they are claiming was made on 5/was not put through until 7/and the representative was unable to provide an answer and suggested that I put in a written request for proof of authorization for the 5/transaction which I did that day.At this point I had faxed in forms twice as well as had Peter put in a written request for the ACH department to have my payment of $drafted on the same schedule as my incoming paychecksNone of these attempts had been successfulI have put in a written request to see the notes that were made to my account as well as evidence of the changes that were supposedly made online which they have citedIn every instance of my communication with them I have made it clear that I would like $withdrawn bi-weekly for a total of $per month (on two payment months)In the end this comes to additional to principle monthly on months with two paymentsApparently their autopay system has translated this to a weekly additional payment of It is not clearly stated in their letter that this amount is to be withdrawn bi-weekly and the fact that my request for $extra to be added to principle for a total of $biweekly has been misconstrued is my primary concernFurthermore I have never authorized payments to be withdrawn on 7/and instead every request of mine made to Ditech has been for autopay to be withdrawn on Thursday of the odd numbered weeks of the yearEvery phone conversation and faxed form has clearly outlined the dates that follow this schedule and payments that are clearly stated to be $additional to principle bi-weekly for a total bi-weekly payment of $1490.The level of misinformation that I have recieved and the number of times that my funds have been misallocated or not properly withdrawn is far beyond that which I would expect from any modern banking or financing systemWhen issues are had both with the website autopay services as well as the customer service representative payments being taken incorrectly it takes away all confidence that I have in this company properly handling my mortgageConsider for reference is a screen shot of my account autopay as visible from the customer log inTaken on 6/it shows a total recurrent autopayment of 0$Furthermore all payments on this screen are shown in monthly form, is my monthly principle, is my monthly escrow, and is my monthly addition to principal7/is the due date of my next payment and there is no mention of any withdrawal date

I am rejecting this response because: I paid the STATEMENT AMOUNT that was on the 2/22/STATEMENT!!! I paid it before the due date of 3/15/ Now on my 3/22/statement the have a deferred balance of $ 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 extraand when you reversed my payment of $you put the payment back as $ Im getting screwed here!!!

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)Our records indicate that Mr [redacted] 's account was originated by GMAC Mortgage Corporation DBA ditech.com Please note, we are not affiliated with GMAC Mortgage Corporation DBA ditech.comMr [redacted] 's account was transferred to us from GMAC Mortgage, LLC on February 01, 2013; however, this account is currently openIf Mr [redacted] had another account with GMAC Mortgage Corporation, LLC that was closed without a lien release, Mr [redacted] will need to contact Ocwen Loan Servicing, LLC at ###-###-#### or ###-###-####, as we do not have the authority to release a lien on an account we do not serviceWe apologize for any confusion or inconvenience this matter has caused Mr [redacted] If [redacted] has any further questions, he may contact his account representatives Peter Cat ###-###-####, extension ***, or Bobby Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

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 encounteredMr [redacted] 's payment of $1,received April 30, 2016, has been reallocated and was applied to the May 1, payment on June 10, 2016, backdated to April 30, Please be assured that the late fee assessed to the May payment due to this matter has been waived.The corporate advance of $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) cancelledOut of this amount, $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 $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 Lat ###-###-####, extension ***, or Ina Hat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech).We would like to apologize for any inconvenience that may have causedAccount records indicate your payment in the amount of $30,was received on May 9, This payment was applied as follows: $was applied as a monthly payment and the remaining $29,was applied as extra towards principalPursuant to your request, a re-amortization request was entered and on June 13, and a Recast Approval Letter was mailed to the address on file.It is customary in the mortgage lending industry for accounts to be sold and transferred between lending institutionsThese transfers do not require the permission of the debtor to take placeYour account will remain with Ditech at this time.For more information regarding current financing or refinancing options with Ditech, please contact a Customer Service Representative at ###-###-#### or visit www.ditech.com.If [redacted] has any further questions, they should contact their account representative Chad Lat ###-###-####, extension ***, or Kenneth Kat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] , [redacted] FRANKFORT, IL [redacted]

April 21, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 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***’s concernsPlease be assured that his correspondence has been reviewed with the appropriate department management and the following response is provided Pursuant to his correspondence, a review of the credit reporting for Mr***’s account was completedDitech has submitted the corrected information to the major credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) to reflect the account status of account closed (180+ days past due)We again apologize for any dissatisfaction this matter may have causedIf you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) 643-0202, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, [redacted] Customer Service Correspondence Supervisor /asw/47/ Tell us why here

Initial Business Response / [redacted] (1000, 10, 2015/07/06) */ July 6, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Green Tree Servicing, LLC ("Green Tree") The servicing of the above account was transferred from Fay Serving, LLC to Green Tree effective June 01, There were no changes to the account terms or conditions as a result of the transferPlease be aware Green Tree did not originate nor owns the account; it merely services it for a third party and can provide information from the servicing transfer date forward On April 02, 2015, a letter was sent to Ms [redacted] from Fay Servicing stating that taxes in the amount of $were previously paid on her behalfAs a result, the account had a negative escrow balance of $upon transfer to Green TreeThese transactions are reflected in the enclosed payment historyWe also have enclosed a copy of the letter from Fay Servicing for your reference Please be advised Green Tree has a security interest in the collateral, and may exercise its right under the security agreement as allowed by lawAs of today's date, the above account is no longer escrowedHowever, due to the negative escrow balance that remains on the account, Green Tree has elected to collect escrow payments, monthly, in the amount of $as part of her regular payment due in an effort to assist Ms [redacted] in curing the escrow deficiency owed If the taxes previously paid by Fay Servicing were paid in duplicate as Ms [redacted] claims, she may request a refund from her local taxing authority directly Green Tree does not have record of lender placed insurance on the accountUpon transfer, our records were updated to reflect her paid in full homeowner's insurance policy, number [redacted] , with MDOW Insurance CompanyThe policy has effective dates of November 20, through November 20, Green Tree reports to the four major credit agencies (Equifax, Experian, Innovis and Trans Union) for all accountsHowever, Green Tree does not report to the credit agencies for newly acquired accounts for days after transfer to allow for a transition periodThus, we have not yet reported for the accountThe account will begin reporting to the credit agencies effective September for the month of August If Ms [redacted] has any further questions, she should contact her account representative Flavia Bat (800) [redacted] , extension ***, or Xavier Aat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted] , Monday - Friday AM to PM, and Saturday AM to PM CT Sincerely, Libby [redacted] Customer Service Correspondence Supervisor /slb/29/ cc: [redacted] , [redacted] ., Weatherford, OK Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/07/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) Green tree at this time has liedI went back to my account TODAY and it is still showing an escrow account for taxes to be paid by 12-01-15.I have included in this emailSo that tells me that Green Tree is not doing what they say they will doWhen Green Tree removes the ESCROW from my account I will accept there offerIn the meantime when I get the (-) ESCROW paid I want my account to go back to per monthThe (-) escrow will be paid IN FULL no later than 8-15-Thank you [redacted] Thank you [redacted] Final Business Response / [redacted] (4000, 14, 2015/07/13) */ July 13, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Green Tree Servicing, LLC ("Green Tree") As stated in our previous response dated July 06, 2015, the above account is no longer escrowedHowever, due to the negative escrow balance that remains on the account, the escrow account will remain open until the deficiency balance is curedGreen Tree has elected to collect escrow payments, monthly, in the amount of $as part of her regular payment due in an effort to assist Ms [redacted] in curing the escrow deficiency owed The escrow information reflected on our website appears as if the escrow account is still active because the account remains openHowever, please be assured that no disbursements will be sentAlthough the escrow account remains open, the escrow disbursement will not be sent to Custer County on 12/01/2015, as we have updated the escrow account to reflect an "inactive" disbursement statusOnce the escrow deficiency is cured, the account will be closed and will no longer appear as open on our website If Ms [redacted] has any further questions, she should contact her account representative Flavia Bat (800) [redacted] , extension ***, or Xavier Aat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted] , Monday - Friday AM to PM, and Saturday AM to PM CT Sincerely, Libby [redacted] Customer Service Correspondence Supervisor /slb/29/ cc: [redacted] , [redacted] ., Weatherford, OK

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

Initial Business Response / [redacted] (1000, 6, 2015/09/09) */ September 9, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 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 request, we have ceased all outbound telephone communication; however, for his convenience we will continue sending billing statements and other correspondence as required The servicing of the above account was transferred from Everhome Mortgage to Ditech effective May 2, There were no changes to the account terms or conditions as a result of the servicing transferDuring the first days after the transfer of servicing, no late fees were assessedIn addition, payments were not reported as late for the first days after a transfer of servicing to usTherefore, no late fees were assessed to the account in May and June Pursuant to the terms of Mr [redacted] 's signed loan agreement, late fees may be assessed for payments that are received more than days after the due dateRecords indicate that the February through June payments were not received prior to the late fee assessment dateTherefore, a late fee of $was assessed for each monthOn April 29, and May 27, 2015, two late fees of $were collectedIn addition, on August 8, 2015, we waived the late fee amount of $as a courtesy, which resulted in the late fee balance of $ On August 12, 2015, we received a payment of $The payment was applied on August 14, 2015, toward the corporate advance balanceThe remaining corporate advance balance was from a $title search fee when Everhome completed the loan modification in October Due to the aforementioned, we are unable to reverse the payment of $to be applied towards the late fee balanceAs of the date of this letter, the late corporate advance balance is $and the late fee balance is $ If Mr [redacted] has any further questions, he should contact his account representative Jami Bat (800) [redacted] , extension ***, or Juanita Sat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted] , Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT Sincerely, Vanessa [redacted] Customer Service Correspondence Supervisor /jcn/34/ cc: [redacted] ; [redacted] , Orange Park, FL Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/09/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept the responseAttached is my payment history from DITECH For the months described in Ditech's rebuttal Feb-Jun Feb late fee payment of $payment was paid Feb 17, Mar late fee payment of $payment was paid Mar 19, Apr late fee payment of $payment was paid Apr 27, May late fee payment of $payment was paid May 25, June late fee payment of $payment was paid Jun 24, Nothing was given to me as a courtesy, because I paid all of my late fees, and nothing is late on my account, as mentioned as a courtesy waived fee on Aug 8, Sincerely, [redacted] Final Business Response / [redacted] (4000, 10, 2015/09/17) */ September 17, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] Dear [redacted] : Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding his account with Ditech Financial LLC ("Ditech") In reference to the late fee balance on the account, we have provided the chart below for Mr [redacted] 's review DESCRIPTION DATE ASSESSED AMOUNT DATE PAID AMOUNT WAIVED AMOUNT LATE CHARGES 07-16-$ LATE CHARGES 07-25-$ LATE CHARGES 08-16-$ LATE CHARGES 08-22-$ LATE CHARGES 09-16-$ LATE CHARGES 09-18-$ LATE CHARGES 11-17-$ LATE CHARGES 11-25-$ LATE CHARGES 12-16-$ LATE CHARGES 12-22-$ LATE CHARGES 01-16-$ LATE CHARGES 01-20-$ LATE CHARGES 02-16-$ LATE CHARGES 03-16-$ LATE CHARGES 04-16-$ LATE CHARGES 04-29-$ LATE CHARGES 05-16-$ LATE CHARGES 05-27-$ LATE CHARGES 06-16-$ LATE CHARGES 08-05-$ Records show that the amount of $received with the February and March payments were applied towards the corporate advance balanceBecause these funds were applied to the corporate advance balance, the late fee balance remains $ If Mr [redacted] has any further questions, he should contact his account representative Jami Bat (800) [redacted] , extension ***, or Juanita Sat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted] , Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT Sincerely, Vanessa [redacted] Customer Service Correspondence Supervisor /jcn/42/ cc: [redacted] ; [redacted] , Orange Park, FL

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech)After careful review of the account, we have verified that a reimbursement was processed on November 25, The amount of $was reimbursed to Mr [redacted] 's TruWest CU bank account via ACH (Automated Clearing House)Mr [redacted] will need to contact his bank to verify receipt of the reimbursed fundsIf they have not been received, he will need to contact customer service at the number listed below so that further research may be completedPlease be advised that the overdraft fees charged to Mr [redacted] 's account in the amount of $have been waivedUnfortunately, we are unable to comply with Mr [redacted] 's request to reimburse funds for his hardshipDitech is only able to reimburse Mr [redacted] for the actual fees incurred due to the errorWe apologize for any inconvenience this may have causedIf Mr [redacted] has any further questions, he may contact his account representatives Terri Sat (800) [redacted] , extension ***, or Bobby Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted] , Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT