I have been with Ditech (Green Tree before that) for 8 years now and had my share of problems with them. I have NEVER been late, ever, but they still found ways to make threats and try to get fees from my pocket. My mortgage was transferred to Green Tree (Ditech) from Bank of America, my mortgage agreement states the buyer is responsible for making all tax and insurance payments and no escrow account is needed. Green Tree now Ditech sent me letters saying my mortgage was in default and they were going to foreclose because my payments were going to a escrow account and not being applied to my mortgage.
Calling customer service was a joke, I wrote letters, made calls and got different answers from everyone I spoke to. I have a lawyer friend who advised me NEVER to call them, Ditech is a notorious known for issues like this. Please if you have ANY issues where they say you owe them money or your payment are late or any numerous mistakes they make, NEVER call them, that will only make you nuts, and they will never get back to you. The only way to LEGALLY make them reply to your issue and have it documented legally is to write them a QWR (Qualified Written Request) and DO NOT send it to the customer service address, that is NOT the address where it MUST be sent.
Send it to Ditech PO BOX 6176 Rapid City S.D. 57709-6179. You can Google a QWR and get a form letter to fill out. They have 30 days to answer your concern and fix any errors that are their fault. Do sent them a QWR if you are late on payments or any other reason that may truly be the buyer fault, BUT unfortunately, they are wrong and needlessly putting people through stress and anguish about 75% of the time. My case they were 100%, I have had 3 serious issues with them and were ALL resolved using this QWR within 30 days. They have NOT bothered me in 3 years now. Good Luck, Ditech is truly the worst.
MESA, ARIZONA -- I made payments in ADVANCE, that were to be applied to future months - "No problem," Ditech said. It never happened. They applied them to principal, and I'm 3 months and 9 calls in still trying to get this resolved. Every week I get a call from collections, who can't see the notes on my account until they verify my information. Once they do, they read the notes, apologize. I can never actual reach any person who can resolve this. 30 minute wait times each time. I have never seen a company so disorganized in ANY industry. Avoid at all costs.
FORT WASHINGTON, PENNSYLVANIA -- I recommend avoiding this company like the plague! I originally set up my mortgage with a local bank, but they immediately sold it to Ditech. I would have chosen a different bank if knew that would happen (lesson learned, always ask!). I had to be very vigilant with Ditech. Absolutely nothing went smoothly. No email or online correspondence with them worked. Several phone calls were needed. It took me months to set up auto-pay. It took several attempts to get them to apply extra payments correctly. Auto-payment failed once, then they misapplied an extra payment resulting in a missed payment, but I got them to fix that and remove late fee.
I tried setting up an escrow to pay my home insurance. That was another huge hassle; took them over a month to respond. I even asked them to cancel it because I no longer wanted it, but they ignored that request. They appear to process requests in linear fashion, ignore future requests on the same topic until the finish with the initial request. I've only been working with them since Feb 2017. Now in Oct 2017, I got an opportunity to refinance for a lower rate, but the best part was getting away from them! I was able to avoid any major issues resulting in a financial loss, but it took a lot of effort!
RAPID CITY, SOUTH DAKOTA -- I've been fighting with Ditech since 2015 when GreenTree sold our mortgage to them. They messed things up as soon as they got their grubby hands on it. They have claimed we've missed payments and that our payments were late, causing a fiasco on our credit scores in this process. We have turned them in to the Department of Financial Institutions as well as FHA Consumer Protection agencies.
Whenever we turn them in they make everything look like they've fixed everything, only to turn around and do the same junk to us within 3 months again. We call and call, only to receive different information from each individual we speak to there, none of them pleasant to deal with either.
They have also changed our monthly mortgage amount due back and forth between a few hundred dollars - interesting when you consider we're on a 30 year "fixed rate" FHA mortgage! They're now threatening foreclosure on our home - even though we have every single bank statement showing we paid every single mortgage payment earlier than the due date! We're unable to refinance because the damage they've done to our credit reports - nobody wants to deal with us when it looks like we're not paying our mortgage; liability to other lenders.
We would "really" like to get a class-action lawsuit going against this company; anyone else interested? If so, please send us an email at: **. It is time we fight back with this "debt collection" company trying to be a mortgage company and steal from all of us hard working people!
I've already made several complaints with consumer protection services about Ditech not applying funds to principal as I indicate in accordance with the loan contract. The situation ultimately gets fixed, but then they do it again. This last time, they applied the extra funds I sent to Sept., Oct. and Nov., though I had indicated that it was all for Sept. Furthermore, they applied the greatest amount to Nov. and not to Sept., so as to maximize the interest I would have to pay.
They are a constant headache which is probably the biggest reason I want to pay off the loan as quickly as possible. My lawyer had to contact them 2 or 3 times before they would accept extra principal payments. If I ever make another loan, there will be a clause that ditech or anyone associated with them will never be able to buy my loan. They are the WORST!
I printed the pay-off. Mailed the check the same day. They never cashed the check until after the date the pay-off was good through. Then sent me a letter saying that I owe more because I didn't pay it in time. The pay-off was $4,168. The "more" was $479. How much interest did they charge me for 5 days? I called. Talked to a REAL JERK in "Customer Service". Let's say I tried to talk to him. He was such a jerk. Treated me like I had tried to cheat them. My loan wasn't even due. I tried to ask him why the amount was so high and he told me to just pay what I owe and hung up on me.
PALENTINE, ILLINOIS -- 6/6/2017. We paid off our Mortgage, and were told we would receive our Escrow money in 20 days. We're still fighting for it 2 1/2 months later - ready to take it to a lawyer now. They say they issued us a check and we never received it. We spoke to them and were told they would direct deposit the money into our bank account, this never happened either. Then called back to inquire about that, and was told a new check was cut now and put in the mail again - they never even tried to direct deposit after taking all our banking info and telling us they would. This is our money...not theirs.
Now our house taxes are late, we got charged a late fee, and had to take the money out of our savings to pay them. Still no check from Ditech!! And the person head of escrow dept is not even returning our calls. We were also with Green Tree and sold to Ditech - so it's not like we had a choice. Funny thing is all my house payments and my final pay off payment on my house - Ditech has always received in the mail...no lost mail there. Only lost mail, when they send you a refund?
CALIFORNIA -- Absolutely horrible company!!! Never dealt with so many incompetents!!! After having Citimortgage for almost the entire time I have had homes (2 condos and 1 home). After hitting hard times back in '09 we had a modification done through Citibank and no problem. We made our payments then after the modification was done Citibank sold our mortgage to Greentree then all of a sudden Greentree was "sold" to Ditech, a Walters Company which basically changing names.
I tried another modification through Ditech and got all the documentation which I faxed over twice (80 pages) saying they never received the docs and I have the receipt to prove they did. I then mailed the docs, again got the same response, never received the docs.
They were supposed to waive two late fees but never did and when I called today about why they haven't applied my payment for May, they said they never received it, so now I have another late fee added on and when I asked about the two late fees being waived this customer service representative says I don't see anything in the notes and she can't do anything about the late fees. Unbelievable, I can believe this company can get away with so much, just Google the 581 complaints about this company.
RAPID CITY, SOUTH DAKOTA -- We refinanced in April 2015 and our loan was purchased by Ditech from GreenTree. Ditech has collected escrow each and every month from our mortgage payment, however, they failed to pay the property tax for our home and now we are in delinquency with the County Tax Authority! I have called repeatedly to try and get this resolved and all they can tell me is "We are researching the problem." Research? All they need to do is pay the tax bill! Simple.
Each person I talk to in the tax division says our account was marked as "exempt." How in the world that happened I have no idea. Everyone who works in customer service spits out crap as though they are a robot. Terrible company. Terrible customer service.
RAPID CITY, SOUTH DAKOTA -- When we bought our home it was through Green Tree, which were ok to deal with. However, our loan was sold to Ditech, or the companies merged, whatever. Ditech now has our loan. I became physically handicapped and was unemployed for nearly 9 months. I struggled to make our payments. Tho admittedly payments were at times late. What I did not learn until recently, Ditech does not accept partial payments. So all my payments were not being applied to my account. Yesterday I received a check for several thousand dollars. Curious I went online, and saw my account is $9,000 in arrears. WTF?!!
I've been making payments. Now Ditech tells me I have to pay the whole amount to keep account current. How? When they are still holding most of the money paid? And tell me I will get that money back in a few months. In a few months any mortgage payment I make will just be sent back to me... in a few months. This is a complete scam to purposefully repose on peoples home, and prey on them. To take advantage. How come this company is not being investigated for fraud, and God's know what else, is beyond logic and reason.