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Customer Service Experience
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I have had some experience with mortgage companies and banks which backs mortgages in my time but this by far is the WORST company I have ever encountered. I called on Friday to try and pay anonymously on a relative's account. The representative was very kind and nice and did what she could to help me. I don't have authorization on this account but she really did all she could without giving me much information to assist me.

Fast forward to today June 18, the first representative Erica was absolutely HORRIBLE. The representative on Friday advised that she placed notes in the account so that when I called back they knew why I was calling. I advised the representative Erica of why I was calling and told her that I wanted to remain anonymous but wanted to pay my relative's account to get them out of the red. I asked her if I pay a for instance $2000 would this get her out of the red. She says, "Oh I can't give you that information," with a snooty attitude. I asked her could she place a manager on the phone. When the manager join although she was nice she wasn't much better.

I advised her of what was going on and she pretty much said the same and that she liked her job (didn't ask you whether you liked your job or not). I asked you whether you could just say, "Yes this amount will put her in the green" or "No it will not." (And further more if you liked your job so much it would probably make sense to help in a situation such as this so that you can KEEP YOUR JOB!) So I just ended up paying an amount hoping that A. they keep me anonymous like I asked them and B. this will more importantly place my relatives account in green.

Here's some advice for you Ditech... If I already know how much the remaining balance (thanks to the automated machine) is on the loan due to the fact I knew my relative's phone number, address, name and DOB, GUESS WHAT I'm already half way there. I never asked how much she was behind I didn't need to know those details. I just wanted to know whether the amount I was paying would satisfy her until August. Thanks to the representative on Friday I spoke with who was able to help me without giving too many details at all. Thank You so much. At least I know you value your job.

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I Learned How to Deal With Ditech the Hard Way.
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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.

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FAILED to Pay Our Property Tax
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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.

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Won't Return Insurance Claims Money
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

RAPID CITY, SOUTH DAKOTA -- September 2018 the state of North Carolina experienced a state of disaster from hurricane Florence. Insurance claims were filed and insurance companies act promptly. Ditech encouraged mortgage holders to endorse checks and send them in to be endorsed and SAID they will send checks back to mortgage holders ASAP!!! That was a lie that never happened!!! I sent my check for $16,000 Oct 20th to Rapid City South Dakota, and I have not received a dime yet! I have gotten nothing but lies from every customer service representative I have spoken to! I sent pictures in (as requested) showing them that we have started repairs. They said that wasn't good enough, they needed more proof. I sent in Contractors estimates, still no money!

Then they told me to get an estimate for everything I needed to repair my house. Dummy mission, but I did it! I emailed 9 pages and they told me that they couldn't take online prices from Home Depot! I also sent in paid receipt of money that I have spent to secure my home and these FOOLS won't cut me a check for my own money! WTH!!! Each time I send information in they tell me it's a 10 to 14 day turn around! I NEED MY MONEY!!! What do a state of emergency mean Ditech???

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Payment Changed Due to Interest Rate Spike, Paid on Time but Less This Time and Got Nailed With Late Fee
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

GURNEE, ILLINOIS -- My mortgage got sold to Green Tree which is now Ditech. From the time my mortgage was transferred, I never like them. I felt like they are out there to make every penny as much as possible from me. I've been paying my mortgage on time via auto payment from my bank. Never been late but, this time they got me. My loan rate changed where the monthly payment went up. My monthly payment was sent on time, never heard from them until late payment was assessed.

I paid the remaining balance ASAP via my bank because to pay it with customer service I have to pay $10 fee. Their website will not allow me to pay other than the monthly payment. At this time I felt like, it is a setup. So, I called the customer service, explained to her what happened and they are cold. I'm done with this company, as soon as rates improved! I'm refinancing! Just to get out of my contract. To me, I take this personal.

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Worst Experience With a Mortgage Company - Ever
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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.

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Worst Financial Experience... Ever!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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!

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Evil Company. Steer Clear of Them!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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!

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Deliberately Misapply My Funds Over and Over
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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!

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Customer Service — What a Joke!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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.

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DiTech Mortgage Rating:
Star Empty star Empty star Empty star Empty star
1.1 out of 5, based on 17 ratings and
21 reviews & complaints.
Contact Information:
DiTech Mortgage
1100 Virginia Drive, Suite 100
Fort Washington, PA 19034
1-800-643-0202 (ph)
www.ditech.com
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