Ditech Financial LLC Mortgage Complaint

Ditech Financial LLC Mortgage department,

Other mortgage Loan servicing, payments, escrow account Virginia

We have mortgage with Ditech Financial LLC.We got transferred from - - to Green Tree Servicing LLC on - -. On - - Green Tree Servicing LLC become Ditech Financial LLC. We did n't have any problem with this company until they offered to us Ditech Automatic Payment Agreement in -, 2015. This agreement suppouse to start on - -. Before we sign this agreement we make sure that customer service representative understood that we ca n't have monthly recurring electronic debits from our checking account on Due Date ( on the - of each month ), because my husband got his - pension electronic deposit on the - of each month. Customer service representative assure us that in this agreement we have second " alternative '' Debit Date for each month. And indeed we put alternative date of - each month in assigned line in agreement. On - 2015 electronic system triggered mortgage payment right on - day of the moth and we did not have sufficient funds in the our checking account! After that our bank charge us - fines : $35.00 Bank Overdraft Charge, and $9.00 ODP Primary ( CR ) Fee.Altogether : $44.00.


unresolved dispute. - is even more disturbing. All year of 2015 we had no cushion on our escrow account. We only paying yearly home insurance premiums on our escrow account, because we are low income seniors and - - give us real estate tax exemption every year for many years. We never had any problem with adjusting our escrow account for that before. Not with this company! First they put full amount of taxes on our escrow in addition to our home insurance amount, and then, after many attempts to contact by phone calls, faxes, and finally mail, they re-calculated our escrow account with significant cushion! It was explain to them over and over again, that we are low income, we never late for monthly payments and we ca n't afford pay - more per month until - 2015! We already pay $200.00 more for - 2015, because this company working very slow and in the process extracting as more money as they can! And they calculated cushion not from my real amount on my escrow account ( it is only my home insurance payment, not taxes ), but from inflated amount of taxes plus home insurance premium. What happen with only - of escrow amount?! This behavior need to be stop!