Ditech.com Complaint - Bad Customer Service
I found myself in a situation, partially my fault, but I realized what kind of company they are. I overlooked a notice that my payment was going up (due to lack of escrow funds). I received a notice that I was late. I had been making my payments as they were before the change, just not the additional they added. When I called to make arrangements I told them that I could begin making the updated payments for the next month and catch up on the past due amount. They told me I could not do that, as they applied all money sent to the past due amount and $100 in late fees first, no matter how I would have liked the payments to be applied. When I tried to make a compromise to prevent a negative credit report, they told me they had already negatively reported me to the credit bureaus, as well as the late fees. They were very inflexible.
I sent a letter explaining my dissatisfaction about the way my case was handled and that I would be seeking refinancing as soon as my credit rating would allow, and was sent a letter back saying they were "unable" to change the negative credit report, and that I could write a notation to the credit bureaus explaining the situation. They obviously didn't pay attention to my first letter, as I did not ask them to review my case, just voicing my unhappiness and intentions. They, like other big companies don't care and don't see us other than numbers in their systems.
As I was told by a department store manager at one time, "one customer doesn't make a difference." A few years later, that store, Montgomery Wards, went bankrupt and closed. One may not, but many eventually will.