Loan servicing, payments, escrow account

Ditech has been sending past due notices for almost 2 years, I have provided them with nearly 3 years worth of cancelled checks that prove ALL mortgage payments have been made in full every month. When I call, the representative tells me that yes, they have copies of all the checks and they can see that all payments have been made, and then they forward everything to the accounting department and tell me it will get straightened out and I will receive a letter. Then I receive another notice stating I owe 2 months! This has happened at least 4 times, and I have been dealing with this for almost 2 years. On XXXX/XXXX/16 I spoke with XXXX representatives ( XXXX in XXXX XXXX, we were disconnected during the call ) and XXXX in Missouri when I called back. I told her that I no longer believe anything different will happen when she told me ” Yes, I see all the cancelled checks and I will forward this with an email to accounting to get it fixed ” and asked how I can get a face to face meeting with someone who can actually resolve the issue – all she could do was say she is sorry and can forward everything to accounting. I have XXXX loans with the exact same scenario, so I will submit this exact issue under each account number. I would like to note with this loan that on XXXX/XXXX/16 ” XXXX ” stated the balance due for XXXX was {$140.00} because the loan payment went up in XXXX 2016. I was so elated that I paid the {$140.00} ( confirmation # XXXX ) and believed my struggle was finally over with this loan. But then on XXXX/XXXX/16 XXXX called and said that I still owed {$15.00} and then the monthly loan payment would be paid in full though XXXX/XXXX/16 with {$900.00} due on XXXX/XXXX/16 – so I sent a check for {$15.00} ( which cleared on XXXX/XXXX/16 ) and I paid {$900.00} for XX/XX/XXXX ( cleared XXXX/XXXX/16 ). Then on XXXX/XXXX/16 I received a statement that said {$1700.00} was due as of XXXX/XXXX/2016!!!!! And then I realized that the Escrow analysis dated XXXX/XXXX/16 ( received AFTER XXXX ‘s phone call ) states the loan payment is to rise from {$880.00} to {$880.00} as of XXXX/XXXX/16 so where did the {$15.00} increase XXXX quoted on XXXX/XXXX/16 come from?

Leave a Reply