Ditech Financial LLC Mortgage Complaint

Ditech Financial LLC Mortgage department,

FHA mortgage Loan servicing, payments, escrow account California

My husband and I own a condominium, which is a rental ( it is currently rented ). The - mortgage is owned by Ditech. A little history : When I purchased the condo in 2002 ( before husband and I were married ), I financed it through Ditech, before they were taken over by Greentree. They were incredibly efficient, and I never had an issue with them. Fast forward a few years, they were taken over by Greentree, and THEN the problems started. I have paid our mortgages ( for our rental, and our own house ) every two weeks, on the days we get paid, for years. I send a 1/2 payment, which helps our finances run smoothly, AND I send a little extra, so the full payment is always a little extra. Well, when Greentree took over the old Ditech, I started receiving these snarky notices in the mail stating my account was past due, and my statements reflected I was over 30 days behind. I thought, good grief! Has my trusted


I contacted Ditech and asked what the heck was going on with my account. They explained, that since I paid my bill in partial payments, the incomplete payments were placed in an " unapplied funds '' purgatory. What they failed to do, was post these unapplied funds to my account in a timely fashion, so I wound up in the hell- fire land of late fees and phone calls demanding payment. I thought this situation was pure comedy. Was this happening??? Here we were, being super responsible, paying bills on the dot every two weeks, PAYING E-TRA, but they STILL put my account in the bad place. They claimed there computer system " could not process partial payments ... '' They literally said this. I freaked out. I did battle on the phone about once per month, to get them to APPLY my payments to my account. Fast forward again, Greentree was taken over by the second iteration of Ditech, and now this happening all over again. My mortgage is - per month. I send $400.00, religiously, every other Friday. I checked their website, which clearly shows my excellent payment history, but when I clicked on the " details '' button for each payment, several of the payments showed in " Unapplied Funds '' meaning, they have literally NOT applied SEVERAL payments to my mortgage account, going back to -/-/-!!! What?!?!?! And I am receiving these snarky notices again, that my account is past due. This whole thing is soooooo beyond frustrating. I hope you can help. The property address this complaint is related to is : - - - # - -, CA - Thank you! - -