Ditech Financial, LLC

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).Account records indicate that a payment in the amount of $1,was received on March 31, This payment was returned on April 5, due to an invalid bank account numberDue to the returned payment your payment in the amount of $1,that was received on April 13, was applied to the March 1, due dateOn May 23, a payment in the amount of $was received and applied to the April 1, due dateAs of today’s date, your payment of $2,is due for the May 1, and June 1, due datesThere is an outstanding late fee balance of $and a current balance of $in unapplied funds.If you believe this information is incorrect we will require proof of paymentProof of a payment includes one or more of the following: legible copies of the front and back of the cashed money order or check, legible unaltered copies of your bank statement for the period the payment was processed, or legible receipts for Western Union, Money Gram, etc.If [redacted] has any further questions, they should contact their account representative Jasmine Wat ###-###-####, extension ***, or Johnny Rat 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.mCTSincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] , [redacted] ***, EIDTINGTON SHORES, FL [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 dissatisfaction Ms [redacted] has encountered in dealing with our associates and the Deed in Lieu of Foreclosure processOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvement Ms [redacted] ’s concerns regarding the Deed in Lieu of Foreclosure was forwarded to the appropriate department management for reviewRecords indicate Ms [redacted] ’s account representative, Camry Rcontacted Ms [redacted] on May 10, During this telephone call, Camry Radvised Mr [redacted] of the documents still needed for the Deed in Lieu of Foreclosure reviewWe received some of the requested documents from Ms [redacted] on May 12, Ms [redacted] spoke with Camry Ragain on May 13, 2016, and was advised to send the rest of the bank statement pages and her paystubsIf Ms [redacted] has any further questions regarding this matter, she should contact her account representative Camry Rat ###-###-####, extension ***, or Mario Cat extension [redacted] for further informationOur Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.m [redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] received on May 24, 2016, regarding his account with Ditech Financial LLC ("Ditech").Although [redacted] was refinancing the loan with another company, the loan with Ditech was not paid in full and closed until November 2, Ditech is required to service the loan under the original loan terms and conditions until it is paid in fullRecords do not reflect that we reported the account as days late to the credit reporting agenciesThe account was reported as current in October 2016, and paid in full in November 2016.If [redacted] has specific information indicating the reported information to be incorrect, please provide supporting documentation (cancelled checks, bank statements, copies of credit reports, etc.) for further review.If [redacted] has any further questions, he should contact his account representative Terra Bat ###-###-####, extension ***, or Catherine 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 encounteredRecords indicate that Mr [redacted] 's payment, received June 29, 2016, was applied to the principal balanceHowever, this payment was reallocated on July 30, 2016, and applied to the August 1, payment as Mr [redacted] intendedThe payment was backdated to June 29, to ensure Mr [redacted] received proper credit to his account.Please be assured that this matter did not cause a late fee to be assessed to the account, or negative information to be reported to the credit reporting agenciesOn July 30, 2016, a billing statement was generated and mailed to Mr [redacted] showing the next amount due on his account is $1,for the September 1, due date.If Mr [redacted] has any further questions, he should contact his account representative Jalisa Hat ###-###-####, 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

I am rejecting this response because: · It is and seemingly intentionally deceptive· They are missing very important and valid information regarding this account· Primarily, I would like a new representative and one that will return calls and treat customers with respectEric [redacted] is no longer acceptable.· This account was transferred from Bank of America to Green Tree Servicing to Ditech· Information such as the bi-weekly payment options were misrepresentedI was given different explanations from different reps when phone calls were made.· We were told that our account WAS NOT ELIGIBLE for the auto-payments when attempting to do as directed by a representative and follow the directions onlineI called back and was told that we had to set them up with a representative directly over the phoneAfter being told it HAD to be a 3-month arrangement and agreeing to do so, we were NOT told that late fees will be added onto our account.· Fast forward to October of I made numerous attempts to call and speak to someone regarding paperwork I received in the mailI was directed from one department to another due to lack of knowledge about the paperwork and their questioning of who sent it along with whyI asked about repayment plans and other programs our state offers to assist home owners in our situationNo one seemed to know about these programs until I finally was directed to a young lady that may be able to help.· I called times, Monday, October 24, If needed, I have the time for each callo I talked with a very kind lady named, Dana that suggested the “repayment plan” would be the best option for usThe first quote she gave us, I explained it would be too high of a payment and asked if she could push it out one more month-she agreed o The agreement was our payments would be higher ($890.98) for the months of November 2016, December 2016, January 2017, and February Payments would return to our regular payment in March o She explained that we had $sitting in unapplied funds and she could apply that to the new November paymentIn addition, I had just made a $payment which was pendingShe told me to pay EXACTLY $by November 16, to equal the agreed payment of $She advised to pay the exact amount or the system would not recognize and apply the funds properly o If you look at the payments, you will find the payment I made for the $ · In November, we received a letter stating that the repayment plan was voided due to nonpaymentI MADE the paymentOnce again, I callo I called on November 23, o I am told that the letter is correct and payment was not receivedI explain that there must be a misunderstandingNothing is resolved · My husband begins to receive phone calls on his cell phoneHe speaks to someone and is told that they will call me to sort this outNothingHe receives another call and is given the extension as the person who will be handling thiso I called on December 10, and again on December 16, · After talking with the representative and the call dropping numerous times and having to wait for her to call back-I was advised to set up an entirely NEW repayment planThe new plan was now $ for FIVE monthsAs advised, I made the payment for the exact amount for December 16, I was told that it would take us up to and cover the month of Novembero I was confused as to why it was five months instead of four but was not given a reason o She told me that I had to pay each payment before or on the 16th of each month to be within the terms of agreementShe also said that she had to “put in the computer the 9th” in order to process the agreement and set the paymentsI asked multiple times if that would void anything if the payments were made after the 9th and she assured me that it would NOT · Thinking everything was taken care of I was surprised to hear that my husband received yet another phone call a couple of weeks laterDue to the holidays I had to wait to speak to anyoneOn January 3, I called to verify that the repayment plan was still in ordero After going through the whole name, address, account number and amount due the lady states that I owe a ridiculous payment Thinking she was mistaking, I explain that we are currently on a repayment planShe states that she does NOT see thisShe sees nothing applied to our account, no agreement, NOTHING o Puts me on hold o Comes back to the line to inform me that, “Our system isn’t recognizing January payments.” She goes on to tell me that their system is updating and that I should call back tomorrowHopefully once it updates, they can see what’s going onThen tells me that she sees the 9th of each month payments were to be made o I explain what the agreement was and was advised to call back · I called January 4, at 4:pm Unsuccessful in speaking to a representative.· I called numerous times January 5, without successNow when I ask to speak to someone it automatically directs me to Eric ***’s voicemail – who has yet to return a call.· Where did the $go?!· How is it possible to have set up repayment plans -TWICE- but no one seems to know what’s going on or where our money is going?!

I am rejecting this response because on 7/7/at 2:30pmET, I called the number provided (###-###-####), asked to speak to either Diesha Wor Bradley L(the contact who were provided), neither were available nor could I leave a voicemail for either oneThe customer service representative I spoke with said that she would e-mail Bradley and have him call me backIt is now 11/11/at 3:14pmET and I have not received any call back

Initial Business Response / [redacted] (1000, 5, 2015/07/28) */ Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Green Tree Servicing, LLC ("Green Tree") Enclosed is a copy of the letter mailed to The Revdex.com Servicing Mississippi Incon July 14, in response to Ms [redacted] 's issuesWe stand by our previous response If Ms [redacted] has additional questions regarding these issues, she may contact the account representative, Cheryl at (800) [redacted] extension [redacted] or Ruby at extension ***Our Customer Service is also available to assist and can be reached toll-free at (800)- [redacted] , Monday - Friday a.mto p.m., and Saturday a.mto p.mCST Sincerely, Shea [redacted] Customer Service Correspondence Supervisor

I again spoke to Ditech for an hour and a half yesterday evening For the months that I have been speaking with them every single customer service agent that I spoke with explained that they see where Ditech made the error, would handle today, and fix my credit immediately Yesterday I spoke with a customer service agent that was very good She explained that my mortgage payment changed, which I noticed, being more that $less I paid the lower amount requested but Ditech is stating that I did it a month earlier How could I do it a month earlier and know the amount I was supposed to pay I have paid monthy, my bank withdraws from my account, and Ditech receives the same day If something was done in error in my part, not one person explained that to me and allowed for me to continue to be late Ditech reported late payments, and not in order July, August, and October It shows on my part that I was late on an entire mortgage payment when ultimately, I only owed $ I received this bill for $and that is what I have been calling about this entire time The bill does not explain what it is for and when calling no-one can explain why Why would I pay a bill that they cannot explain as to what it is for I am being penalized with my credit report due to Ditech's inept customer service department and a bill with no explanation I asked and sent requests to fix my credit but they have refusedPlease look into this for me I have been calling for months and if they did their job correctly I would not have been late on any payments The payments get electronically withdrawn from my bank account on the first of every monthThank youKerry [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 Mr [redacted] has encountered with our associates and the claims processOur 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 [redacted] concerns, which were addressed and resolvedUnfortunately, we do not have a record of receiving an email from Mr [redacted] on April 5, 2016.The processing time on a claim, once all documents are received, is business daysHowever, as Mr [redacted] was advised, Ditech was going through a computer system transition at the beginning of April Records indicate that we received Mr [redacted] claim check and paperwork on April 8, However, due to the computer system transition, our Claims Department was running a few days behind our processing timeMr [redacted] check was deposited on April 16, 2016, and the claim processed on April 22, A check was ordered for $15,845.99, which is 95% of the original check amount and mailed to Mr [redacted] on April 25, From the time we received Mr [redacted] check on April 8, to the time we mailed the check on April 25, 2016, was business daysWe apologize Mr [redacted] had to wait longer than expected.Ditech claims procedures are to release up to 95% of the initial funds for claims between $10,and $20,We retain 5% of the funds until the customer notifies us that the repairs are completeWhen the repairs are complete, we do a final inspection and release the remaining 5%.Please note that the claim check is deposited in an interest bearing restricted escrow account and the interest is applied to the account on the third business day of the monthWhile Mr [redacted] is correct that the claim funds is their money, Ditech is the lien holder on the home and we are entitled to make sure the repairs are made to the homeFor further information regarding the claim, Mr [redacted] may contact our Claims Department at ###-###-####, Monday through Friday from 7:AM to 4:PM Mountain TimeIf Mr [redacted] has any further questions, he should contact his account representative Lawanda Jat ###-###-####, or Rashad Nat 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.m., 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 understand Mr [redacted] 's concernsPlease 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 balanceThis 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 hierarchyRecords indicate that Mr [redacted] 's last payment of $1,was made through our website on June 4, The payment was systematically applied to the June 1, 2016, contractual payment and additional funds in the amount of $The reallocations referenced in our prior correspondence included this payment, which was reallocated to the July 1, 2016, payment due date on June 6, 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 Gat ###-###-####, extension ***, or Shanna 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.Sincerely,Kristina ***Customer Service Correspondence Supervisorcc: [redacted] , [redacted] ***, LOS ANGELES, CA ASWItCgPuim

RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)Please be advised, upon further review we have determined that the Lakeridge Tax District bill is for untilities/water and was previously paid from Mrs [redacted] 's escrow account due to delinquency on October 15, in the amount of $1,and on January 09, in the amount of $1,to protect our security interest in the property; however, the utility/water bill was never included in the escrow account, as stated in our previous correspondenceIn addition, since it is not a tax bill we are unable to include it in Mrs [redacted] 's account even with a signed requestWhen we completed the escrow analysis for Mrs [redacted] 's account on December 23, 2015, the utility/water bill was erroneously included, which caused the monthly payment to increaseWe have completed a new escrow analysis, which reflects the utility/water bill being removed and Mrs [redacted] 's monthly payment amount will be adjusted from $to $effective with the November 01, due dateAn Annual Escrow Account Disclosure Statement will be sent to Mrs [redacted] under separate coverWe apologize for the confusion this matter has caused Mrs [redacted] If [redacted] has any further questions, she may contact her account representatives Tracey Lat ###-###-####, extension ***, or 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

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).We would like to apologize for any dissatisfaction Mr. [redacted] has encountered. Records indicate we received Mr. ***'s first request to cancel the Private Mortgage... Insurance (PMI) on February 12, 2016. On February 24, 2016, we mailed Mr. [redacted] a denial letter advising him that his request was denied as it did not include authorization for Ditech to obtain a current appraisal and to assess the cost of the appraisal to his account.We received Mr. ***'s request to obtain a current appraisal and to assess the cost of the appraisal to his account on March 8, 2016; however, the request did not include his signature. Therefore, on April 7, 2016, we sent Mr. [redacted] a denial letter advising him again that his request was denied as it did not include authorization for Ditech to obtain a current appraisal and to assess the cost of the appraisal to his account.On April 18, 2016, we received Mr. ***'s signed authorization; therefore, an appraisal was ordered. On May 27, 2016, a letter was mailed to Mr. [redacted] advising him the request to cancel the PMI was denied as the valuation obtained by Ditech indicated that the value of the property securing the mortgage hasdeclined below its original value.On June 7, 2016, we received Mr. ***'s denial appeal regarding the PMI cancellation denial. After re-reviewing the PMI cancellation request, his request was approved. A letter was mailed to Mr. [redacted] on June 27, 2016, advising him the PMI was canceled.Please be advised that we decline Mr. ***'s request for a reimbursement of funds paid towards the PMI since the submission of his request.If Mr. [redacted] has any further questions, he should contact his account representative Celia D. at (800) [redacted] , extension ***, or Jerry 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.

Please be advised that the payment history for the account is not reflected accurately on the website We have enclosed a payment history, which accurately reflects the payments received and the reallocations that have taken place on this account In February 2016, Mr [redacted] enrolled in our biweekly automatic payment program (ACH)Unfortunately, the payment hierarchy in place for the account caused the half payment of $received on April 22, and the half payment of $received on July 29, to be applied as principal only paymentsBecause of this, the account became delinquent and late fees were assessedTo correct the error, we had to reverse all payments received from April 22, through August 26, 2016, which equaled $7,Please note that an escrow shortage payment of $was received on June 06, and was not included in the reallocationOnce the payments were reapplied they were backdated to ensure proper credit to Mr [redacted] 's accountAdditionally, the late fees assessed were waived and the account was not reported as delinquent to the credit reporting agencies due this matterPlease note that by reversing the principal only payments referenced and reapplying them correctly as principal, interest, and escrow, the principal balance increasedMr [redacted] 's account accrues interest using the actuarial methodActuarial interest is earned and paid in arrears; therefore, the interest owed will be for days regardless of when the monthly payment is receivedIf Mr [redacted] makes his payment prior to the due date, he will pay days of interest for the prior month's accrualLikewise, if he makes his payment after the due date, he will also pay days of interest for the prior month's accrualWhen paying the account in full, he will be assessed interest on a daily basis from the last monthly payment received until the day the payoff is received

Initial Business Response / [redacted] (1000, 13, 2015/10/27) */ October 27, [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") The servicing of the account was transferred from Lakeland Bank to Ditech effective May 22, This transfer of servicing did not affect any terms or conditions of the mortgage instruments other than the terms directly related to the servicing of the account At the time of origination, the escrow account was set up to pay the taxes and insuranceHowever, the account was transferred to us without the taxes being paid via the escrow accountWe validated the taxes should be paid from the escrow account by reviewing the enclosed Initial Escrow Account Disclosure Statement dated May 5, Therefore, we are now paying the taxes and the following disbursed were processed on October 13, 2015: $1,to Sandyston Township $1,to Sandyston Township We apologize for the dissatisfaction this issue caused If [redacted] has any further questions, she should contact the account representative Stephen Kat (800) [redacted] , extension ***, or Emmanuel Hat 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, Nikki [redacted] Customer Service Correspondence Supervisor /kas/53/ cc: [redacted] , [redacted] , Leyton, NJ Initial Consumer Rebuttal / [redacted] (2000, 15, 2015/10/28) */ (The consumer indicated he/she ACCEPTED the response from the business.) My taxes have been paid

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 claimPer 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 accountWhen all of the required documents are received, the funds are released accordingly to ensure that the repairs are completed appropriatelyPlease note, the processing time on a claim, once all documents are received, is 7-business daysRecords indicate that the claim information was received and entered into our system on August 2, The claims check for $13,was received on August 4, 2016, but was not endorsedThe check was returned for endorsement on August 4, The endorsed check and documentation were received on August 15, Additional claims information was received on August 17th and 22ndPursuant to Mr***'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, For further clarification on the contractual right to hold insurance claims funds, MrSeeley 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 belowDitech Financial LLC Attn: Claims Dept [redacted] Rapid City, SD 57709-###-###-#### If Mr [redacted] has any further questions, he may contact his account representatives Jagger Gat (800) [redacted] , extension ***, or Allen Pat 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.mCTSincerely,Shea [redacted] Customer Service Correspondence Supervisor cc: [redacted] ***, [redacted] GARLAND, TX [redacted]

Please see the attached

RE: Ditech Financial LLC ("Ditech") Account Number: [redacted] Dear [redacted] and [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] and [redacted] regarding their account with Ditech Financial LLC (Ditech).We would like to apologize for any inconvenience or confusion that may have been causedPlease be aware a payment in the amount of $30,was received on May 9, This payment was applied as follows: $29,was applied as extra towards principal and the remaining $was applied to the June 1, due dateA second payment in the amount of $1,was received on May 26, and all funds were applied as extra towards principal.Account records indicate that the modification documents have been mailed to the address on file and are due back by June 30, At this time we are unable to cancel the recast requestHowever, if the signed documents are not received by June 30, the recast will be cancelled.Pursuant to your request, we have reimbursed the funds in the amount of $30,as requestedThese funds are being sent over night to the address on file via Fed ExThe tracking number is [redacted] ***The current unpaid principal balance is now $191,993.55.If [redacted] and [redacted] have 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] Ditech Customer Servicecc: [redacted] AND [redacted] , [redacted] FRANKFORT, IL [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 dissatisfaction that this matter has caused Mrs [redacted] Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementPlease be advised that Mrs [redacted] 's district taxes are not included in her escrow account and are her responsibility to payHowever, in order to protect our security interest in the property we disbursed funds totaling $3,from Mrs [redacted] 's escrow account for the delinquent taxes, which includes penalties and interest of $If Mrs [redacted] would like her district taxes to be included in her escrow, she may submit a signed request, along with a district tax bill to the below address or fax numberDitech Financial LLC L800- Escrow Dept [redacted] St Paul, MN Fax: ###-###-#### If [redacted] has any further questions, she may contact her account representatives Tracey Lat ###-###-####, extension ***, or 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

Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by regarding his/her account with Ditech Financial LLC (“Ditech”)We understand Mr [redacted] ’s concernsPlease be assured that his correspondence has been reviewed with the appropriate department management and the following response is provided On June 11, 2015, our third party vendor, CoreLogic, verified with Franklin county website the parcel number ***- [redacted] was correct for the property address of [redacted] Columbus, OH It was then determined that due to a pending apportionment, we were unable to disburse tax payment from the escrow account, and Mr [redacted] was notified that the taxes had become the homeowner's responsibility until a corrected legal description was submittedRecords indicate that a payment for property taxes due was disbursed to Mr [redacted] on June 15, 2015, in the amount of $1,Please note, our records indicate that a corrected property description was never submittedPursuant to the correspondence received, the parcel number ***- [redacted] was verified for the property located at [redacted] The property taxes due were confirmed and payment for parcel number ***- [redacted] was disbursed to Franklin County on April 7, Please be assured that any penalties and/or interest charges that may have resulted from the delay in payment will not be assessed to escrow and will paid by DitechThe next disbursement to Franklin County is scheduled to be made on or before June 1, We apologize for any inconvenience this matter may have causedWe 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 ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Kristina [redacted] Customer Service Correspondence Supervisor /asw/39/

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 and verification with the tax department, the taxes were disbursed to Livonia City on November 10, The total amount disbursed to Livonia City for the property taxes was $1,The base amount of $1,was charged to the escrow accountThe penalties and interest in the amount of $were not charged to the accountPursuant to Ms [redacted] 's complaint, we have contacted Livonia City to verify receipt of the tax disbursementAs of the date of this correspondence, Livonia City has not received the disbursement made by Ditech on November 10, Our tax vendor is currently staying in contact with Livonia City and are carefully monitoring the receipt of the disbursementIf Livonia City does not receive the disbursement made by Ditech a new disbursement will be issuedPlease be advised that any penalties and/or interest charged due to the late tax payment will not be charged to Ms [redacted] 's accountIf Ms [redacted] has any further questions, she may contact her account representatives Tamika Wat ###-###-####, extension ***, or Mario 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