Ditech Financial, LLC

We apologize for the inconvenience and dissatisfaction that this matter has causedHowever, as communicated in our previous response, unless an actual tax bill is available, we have to base our escrow payment calculations off of the previous year's disbursementsWe are unable to assume what the tax figures may be and create an escrow payment based on assumed figuresAt this time, we consider this matter resolved, as Ms [redacted] has already remitted the full escrow shortage payment and the monthly payment amount has been adjusted accordingly

Initial Business Response / [redacted] (1000, 5, 2015/06/09) */ June 9, [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 Green Tree Servicing LLC ("Green Tree")Let me assure you we take these matters very seriously Green Tree's policy and practice is to conduct all collection activity in a courteous and professional manner and to at all times, treat its customers with respectCollection communications are placed solely for the purpose of determining payment intentions when a customer fails to pay as agreedCollection activity may continue until the account is brought current, regardless of payment arrangements being madeRecords reflected Mr***'s payments are being received after the due date which is the 1st of each month and collection calls are being placed Please be advised, a billing statement is not required in order to make a paymentIn addition, the billing statement is generated each time a payment is receivedThe April 1, payment was received on April 16, and was posted to the account on April 20, 2015; backdated to April 16, Therefore, the May 1, billing statement was generated on April 20, The May 1, payment was received on May 24, and was posted to the account on May 27, 2015; backdated to May 24, Therefore, the June 1, billing statement was generated on May 27, In order for Mr [redacted] to receive his statements in a timely manner, the payment should arrive on or before the due date We apologize for any dissatisfaction this matter may have causedIf Mr [redacted] has additional account questions, he can contact Michael Bat (855) [redacted] , extension [redacted] or Customer Service Department at (877) [redacted] , Monday - Friday AM to PM, and Saturday AM to PM CT Sincerely, [redacted] Customer Service Correspondence Supervisor /kas/ cc: [redacted] , [redacted] ., Skokie, IL

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding an account with Ditech Financial LLC (Ditech)We would like to apologize for any dissatisfaction Mr [redacted] has encounteredRecords indicate that we received the Letters of Administration, naming Mr [redacted] as the Administrator of the Estate, on September 3, Unfortunately, the account was not updated with this information at that timeThe account has now been updated to reflect Mr [redacted] as the Administrator of the EstateTherefore, he is now authorized to receive information on the accountPlease be advised that [redacted] was the only contract signer for this loanIf Mr [redacted] has any further questions, he may contact the account representatives Chandrell Tat ###-###-####, extension ***, or Jason Sat 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 encountered with the insurance claim process and in dealing with our associatesOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementOur policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat its customers and third parties with respectWe do not tolerate unprofessional behavior from any of our associatesPlease be assured the responsible department management was notified of Mr***'s concerns, which were addressed with the specific associates and resolvedPolicies 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 claimThe processing time on a claim, once all documents are received, is business daysWhen all of the required documents are received, the funds are released accordinglyCustomers also have the option to have the funds applied to principal only on their accountRecords show that we did receive the Adjustor's Estimate, Contractor's Estimate, W-Form and other required documents on October 20, A Claims Representative spoke to Mr [redacted] on October 24, 2016, and confirmed that the information was received and the account would be reviewed within business daysAfter a review of the claim on November 2, 2016, it was discovered that the Contractor's W-Form received was unreadableOn this same day, the contractor called and spoke to a Claims Representative who advised the Contractor that we needed an updated W-FormRecords indicate that we received an updated W-Form as of today's date and the account is currently in the process of being reviewed in order to have the claims funds releasedFor further information regarding his claim, Mr [redacted] should contact our Claims Department at (800) [redacted] *xtension ***, Monday through Friday from 7:AM to 4:PM Mountain TimeIn addition, we have removed the bankruptcy status from Mr***'s account.If Mr [redacted] has any further questions, he may contact his account representatives Tyler Hat (800) [redacted] , extension ***, or Daniel Tat 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

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).Pursuant to Mrs***'s request, we have researched the account further and have been advised that a check will be mailedPlease note that the amount of this check will be $for interest accrued.The current amount of interest on escrow in California is 2%Interest that was accrued for the days funds were held in the escrow account was $The additional interest accrued for the days that funds remained with Ditech would be $Again we would like to apologize for any inconvenience thatmay have been caused.If [redacted] has any further questions, they should contact their account representative Jeremiah Sat ###-###-####, extension ***, or Emmanuel 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] **, NEW CASTLE, CA [redacted]

I am rejecting this response because:After the Modification, my payment due for June 'was $I made that payment.My next July 'statement said $I made that payment.My August 'statement said $I made that payment.Then my statements starting in September ', just like I was told that the Modification payments should be, said my monthly payment was $I started making that paymentAccording to my Modification, I was to start making payments of P&I $on 6/01/I made payments with Escrow included I see that I accidentally missed a payment for 12/Nobody at Ditech would even tell me that I missed my 12/payment.Then Ditech stopped accepting my payments starting 4/ 5/ 6/ 7/ 8/ 9/ So, I should owe $2,I have had multiple contact with numerous Ditech employees over the last few monthsI even had a Customer Service Representative state that I was on timeI, now with the payment history, see that I missed 12/Never has anybody even attempted to rectify the problem with the balance on my accountI just want to pay what I really oweI can write a check tomorrow for what I really owePlease correct any problems with my account!

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)Please be advised that Ditech does not offer a service to convert homes to real propertyEven if Ditech did offer this service, we would not be able to do so on Mr [redacted] 's account as his account is a home only loanDitech holds no mortgage for his account; therefore, has no interest in the landIf Ditech were to consent to de-titling MrMr [redacted] 's account, we would lose our title, which is the only document securing our interest in the homeSince this is a home only account, the only way for Mr [redacted] to de-title the home is to pay the account in full and de-title once they receive the title with the lien release.If Mr [redacted] has any further questions, he may contact his account representatives Theresa Hat (800) [redacted] , extension ***, or Jason Sat 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 faxed papers to Ditech to request a "Deed in Lieu of Foreclosure" on May and again on May End of June I received a letter asking for the same informationI called for a week straight the first of July with no responseEven spoke with a male representative, asked him to hand write a message for my account representative, who stated he did not know who she wasI have called and left several messages for Camry ***, and on July I called and left a message with Ms ***' supervisorNeither have called be backI received another packet giving me days to respond, on July How can I respond when know one will talk to meWhen I call and enter my account number, last SSN or phone number I automatically get Ms ***' voice mailWhile I understand the Revdex.com can not dissolved a debt, you should be able to assist in getting this issue resolvedI have submitted the requested information more than once and have NEVER been getting any response or consideration for my request.For Ditech to accept my Deed in Lieu of Foreclosure and close this debt favorablyAlso for management to retrain their customer representatives to be more customer friendly

May 6, [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 Unfortunately, when the tax information was submitted to our tax vendor there was an error, which caused the incorrect amount to be disbursed for taxes Due to this error, we refunded $9,in order for you to pay your taxes We will be refunding $for the penalty and interest that were acquired, which will be sent under a separate cover Please be advised, we are currently in the process of updating the taxes lines for your account Once this process is complete, a new escrow analysis will be completed However, we would like you to be aware; there will be a shortage on the escrow analysis, as extra funds were returned when the refund was disbursed in AprilWe 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/31/ cc: [redacted] [redacted] Brookshire, TX [redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding the account with Ditech Financial LLC (Ditech). Pursuant to Ms. [redacted] 's request, we have reviewed the Judgment of Possession provided with our legal department. After consideration of the circumstances surrounding this issue, they have advised that Ms. [redacted] may be added to the account as a Successor-In-Interest. This provides Ms. [redacted] with authorization to access all account details. Please be advised that a Successor-In-Interest has the same authority as an Executor of Estate, with the exception of the ability to grant authorization on the account to other individuals. If Ms. [redacted] has any further questions, she may contact the account representatives Shannon Y. at ###-###-####, extension ***, or Andrew A. at extension ***. Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT.

I am rejecting this response because: Please provide a copy of the optional insurance that I signed up for in that has my signature authorizing $11/monthly feesAll of your DiTech customers automatically qualify for a level of "free" accidental death and dismemberment coverage which is what I would have been enrolled inI have no document or recollection of opting into a fee based plan for additional levels of dismemberment insurance and am asking for proof How many months or years have you been collecting an optional fee from me? I understand from the previous message that you (DiTech) have removed the fees of $monthly collected two times in and applied them to my principal Is that correct? Are there any additional fees that were paid beginning in 2014?

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,was received without payment instructions and was applied to the account as the July 1, 2016,"Actually the fact is April payment was applied to account as July 1st due May 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 reviewPlease 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 her account with Ditech Financial LLC (Ditech). We apologize for any confusion our most recent response has caused. Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement. As previously communicated in our last correspondence, an escrow analysis was completed for Ms. [redacted] 's account on January 04, 2016. The escrow account is analyzed by taking into account the total amount of the projected disbursements expected over the next 12 months and spreading them over 12 months to determine the "base" escrow amount. The projected disbursements are typically based on the cost of the previous year's disbursements and were calculated as follows: Projected Escrow Disbursements: County $6,304.02 Total Projected Escrow Disbursements: $6,304.02 Escrow Payment Calculation: $6,304.02 / 12 = $525.34 (Base Amount) The base escrow payment amount of $525.34 was effective with the March 01, 2016 payment. As previously communicated in our last correspondence, we did receive the escrow shortage payment and it was applied to Ms. [redacted] 's escrow account; however, there was still an increase in the base escrow payment due to an increase in Ms. [redacted] 's taxes. This information was outlined in the escrow statement previously provided. Pursuant to Ms. [redacted] 's Home Affordable Modification Agreement (HAMP) the principal and interest portion of her monthly payment was $1,477.37 from April 01, 2015 to March 01, 2016 and would increase to $1,694.51 effective with the April 01, 2016 payment. Please understand that there was an increase in the escrow payment prior to the increase in the principal and interest payment; therefore, Ms. [redacted] 's monthly payment amount increased twice within two months. The March 01, 2016 payment was calculated as follows; principal and interest $1,477.37 + escrow $525.34 = $2,002.71. At no time have we advised Ms. [redacted] that her monthly payment amount was $2,219.58 for the March 01, 2016 payment. The principal and interest portion of the monthly payment was increased with the April 01, 2016 payment as stated above. The April 01, 2016 payment was calculated as follows; principal and interest $1,694.51 + escrow $525.34 = $2,219.58. Please also understand that although there are now enough funds in unapplied funds to cover the amount of $2,002.71 that was due for the March 01, 2016 payment, this amount was not available when the actual payment was due. We have previously advised how the payments received have been applied to Ms. [redacted] 's account. Ditech is legally required to report accurate information to the credit reporting agencies (Equifax, Experian, Innovis, and TransUnion); therefore, we are prohibited from changing credit reporting as a courtesy or to facilitate restoration of Ms. [redacted] 's credit rating.Please be advised that the escrow account is a stipulation of the HAMP agreement and will remain on the account until it is paid in full. Therefore, we are unable to comply with Ms. [redacted] 's request to cancel the escrow account. As of the date of this correspondence, the account is past due for $2,219.85 for the March 01, 2017 due date. There is an unapplied funds balance of $2,155.95; therefore, funds in the amount of $63.90 are required to bring the account current. If Ms. [redacted] has any further questions, she may contact her account representatives Justin H. at ###-###-####, extension ***, or Bobby M. at extension ***. 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] When reviewing short sale requests, certain criteria and procedures must be followedWe apologize that this can, at times, be a lengthy processMr [redacted] should be advised that we are unable to provide information to any third party concerning the status of a short sale, without a signed authorization on file from our customerMr [redacted] may contact his relator to receive additional information related to the status the short sale in progressIf [redacted] has any further questions, he may contact our Customer Service Department at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCTSincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] CARTERET NJ [redacted]

I am rejecting this response because: It was not a resolution, but rather, merely a request for a release from me so they could discuss the case with you.They did not provide an address/email or otherwise where I am to return the form they have requested, so ONCE AGAIN, I will spend my time calling the company tomorrow to find out what they want me to do.This seems to be their pattern - Just an endless cycle of wasting my (and I have no doubt, other customers', time)

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 would like to say that this company needs to improve with training the customer service representatives that work for them - we did not get clear answers from them and this resulted in a lot of confusion Also, the written correspondence was not clear The only clear communication we received was after we got the Revdex.com involved We are very unhappy with the confusion created by all this and while we accept the resolution of this matter there are still pending issues with this company that we will try to resolve with them directly and hopefully we will be able to

April 11, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA [redacted] 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 previously received a similar complaint directly from [redacted] We have enclosed copy of our response dated April 7, If [redacted] has any further questions, she should contact our Asset Receivables Management Department at (877) 835-6465, Monday – Thursday, 6:a.mto 7:p.mMT, and Friday 6:a.mto 12:p.mMTSincerely, [redacted] Customer Service Correspondence Supervisor [redacted] cc: [redacted] Tell us why here

Please see the attached Authorization form

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).Please be advised, Ditech has submitted the updated information to the major credit reporting agencies to reflect the account status of currentWe would like to apologize for any inconvenience that may have been caused.If [redacted] has any further questions, they should contact their account representative Luis Cat ###-###-####, extension ***, or Gracie Cat 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] JUNCTION CITY, KS [redacted]

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any inconvenience that may have been causedPursuant to [redacted] 's request, the funds in the amount of $were reallocated from principal and applied to escrow shortagePlease note that the escrow portion of the payment has been updated to the base amount of $The total monthly payment due July 1, is $1,368.11.Unfortunately, we are unable to reallocate funds in the amount of $from escrow to principal as the servicing of the account is transferring on July 1, 2016.If [redacted] has any further questions, she should contact her account representative Chad Lat (800) [redacted] , 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] TRENTON, NJ [redacted]