Ditech Financial LLC Mortgage Complaint

Ditech Financial LLC Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Illinois

Hello- I began paying Ditech additional money towards principal beginning - 2016. I sent - checks. - for my normal payment and - with principal written on the memo section. The mortgage company misapplied my payment. I had to call 3 times in - to have it resolved. I let them know I planned on paying extra each month and to always apply extra to principal. I was assured this would be ok going forward. I then paid my - payment on the Ditech website and indicated the extra amount should go to principal. The payment was again misapplied. I 've called them now 3 times in - to resolve. The mortgage has been applied as of - -. The payment was made - -. However the extra $500.00 I paid is now sitting against " late fees ''. There are no late fees due on the account. I am worried about the mismanagement of my account and afraid I 'm not receiving the proper credit of payment. I can not call 3 times each month to instruct how payment should be applied. The mortgage company should be able to handle extra principal payments. This is a normal occurrence in the mortgage world. Also my loan is a fixed rate. They have been listing me as a variable rate the last 2 months. My contracted paperwork is for a fixed rate loan.