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Avoid Ditech

Ditech Financial seems to be shady. What I mean by that is I frequently receive my mortgage bill the day before it's due. For example if the payment is due Feb 1st, the bill will often arrive the day before. If I'm lucky it might arrive 5 days before. It should be noted that Ditech has a grace period of 15 days. So there is time to mail it afterwards and beat the late payment date; they will mail missing payment letters approximately 5 days after the due date. They are lax on sending you the original bill and aggressive on sending the missed payments. Aside from that they don't allow partial payments. There is a method whereby you can reduce the overall total cost of the house by paying 1/4th total amount every week, rather than one big amount every 4 weeks. However, Ditech has a policy that payments will not be applied until a full months payment has been accumulated. I don't know if it qualifies as predatory lending practices, but given that many other companies allow this method, the fact that Ditech does not is concerning. Especially since we, the borrower don't get a choice who services our loan (mine was sold to them). Avoid Ditech unless you are getting a phenomenal deal.
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ID
#781963 Review #781963 is a subjective opinion of poster.
Service
Ditech Mortgage
Reason of review
Bad quality
Preferred solution
Let the company propose a solution
Worst inhumane people, not even worth of calling themselves customers service Rep, I have own my home for 22 years now and, I am behind a month but always scheduling payments with them, I couldn’t schedule one for circumstances out of my control, health issues my...
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1 comment
#1119301

I believe what you say 100%. Ditech is criminal.

They should be arrested and charged under the Rico act. They are professional gangsters hiding under a legitimate cloak.

ID
#781753 Review #781753 is a subjective opinion of poster.
Location
Windsor, Connecticut
Service
Ditech Mortgage
Cons
  • Worst customer service
Reason of review
Poor customer service

DITECH IS THE ABSOLUTE WORST, JUST SUCK OUT LOUD!!!!

IF I COULD REACH THRU THE PHONE I WOULD KNOWCK THE *** OUT OF "DAVID" HE IS RUDE AND ARROGANT, HE DOESNT LISTEN, TALKS OVER YOU WHEN YOU ARE TALKING. I JUST LOST IT THE OTHER NIGHT AND TOTALLY CUSSED HIM OUT. I HAVE BLOCKED ALL NUMBERS I HAVE FOR THEM. HUSBAND OUT OF WORK SINCE BEFORE CHRISTMAS, I JUST STARTED A NEW JOB, I TOLD "DAVID" THAT I HAVE OTHER BILLS THAT I HAD TO PAY 1ST, LIKE MY CAR PAYMENT. HE HAD A LITTLE HISSY SAYING WELL YOUR MORTGAGE SHOULD COME FIRST, I SAID WELL IF I DONT HAVE A CAR TO GET TO WORK MY MORTGAGE WONT GET PAID. WE ARE 16 DAYS LATE, NOT A MONTH, NOT 6 MONTHS. HE IS A PLAIN AND SIMPLE ***.
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ID
#779675 Review #779675 is a subjective opinion of poster.
Location
Chesterfield, Virginia
Service
Ditech Mortgage
Reason of review
Poor customer service

Ditech - Mortgage Review from Lealman, Florida

Ditech took over my mortgage from Green Tree near the end of my bankruptcy which includes payment plan for my mortgage. They immediately went into the closed foreclosure with their attorneys. They also falsely reported a late payment on my credit report. I have pointed this out to them to no avail. My attorney tried to contact them with no response because we don't know what their intentions are. Now I have a statement with a close to $900 LEGAL FEES charge. How can they do this? Where can I file a complaint?
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1 comment
#1104630

holy ***. bank of America just gave my mortgage to these people.

god help us. everyone needs to ban together and have a class action lawsuit against them.

ID
#779570 Review #779570 is a subjective opinion of poster.
Location
Lealman, Florida
Service
Ditech Mortgage
Reason of review
Poor customer service

Ditech - Home Loan Review from Loveland, Colorado

Ditech is absolutely hands down the worst customer service I've ever dealt with. The "representatives" that answer the calls are the most untrained employees ever. They don't even know what escrow is and they work for a mortgage company! I get frustrated, hang up, call back and I get another rep that is dumber than the previous one! Unbelievable that this company is still around. I refinanced and got away from Ditech thank god!.. but not the battle begins to get my escrow refund back from this *** company. They owe me $1345 from when the loan was paid off and when I call to see why I have not received a check yet (40 days later) they tell me and I quote "they don't know." Horrible customer service!!!!!!
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ID
#775213 Review #775213 is a subjective opinion of poster.
Location
Loveland, Colorado
Service
Ditech Home Loan
Reason of review
Problems with payment
Ditech - Mortgage Review from San Antonio, Texas
Wells Fargo ., To my knowledge has the greatest empathy for customers when in need of help .. I can definitely say Thanks to my Bosses for all the great input they have given me and Others.. Oh my goodness..,,SMH... Unbelievable I have a friend who ran into some...
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ID
#774957 Review #774957 is a subjective opinion of poster.
Location
San Antonio, Texas
Service
Ditech Mortgage
Reason of review
Bad quality
Ditech cashed our mortgage payment but misapplied the funds. I have brought this mistake to their attention and they have yet to fix it and that was two months ago. I have made upwards to 10 different calls to their customer service each time having to go through the...
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1 comment
#1097517

Good luck-I've been a year and a half fixing an escrow and mortgage issue. I even went to the BBB and Consumer Financial Protection.

They "fixed" the issues yet, when I called they still maintain I owe payments and escrow. I don't know what else to do.

ID
#773713 Review #773713 is a subjective opinion of poster.
Location
Chicago, Illinois
Service
Ditech Mortgage
Reason of review
Poor customer service
I am battling the same issue with these crooks. I paid all my taxes, and my homeowners insurance. Ditech has billed me again for the bills I have proof that I have paid. My homeowners insurance agent called to verify that I had paid. My agent stated she had to spend...
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1 comment
#1310027

Fax any of your property bills and their receipts that you have paid directly to Ditech Escrow Dept.

Do it before Ditech is scheduled to pay them according to your Annual Escrow Disclosure Statement.

Ditech Financial, LLC

L800 – Escrow Department

345 St. Peter Street

St. Paul, MN 55102-**** Fax (480) 383-****

ID
#771000 Review #771000 is a subjective opinion of poster.
Location
Savannah, Georgia
Service
Ditech Mortgage
Reason of review
Poor customer service

DO NOT USE THIS CORRUPT COMPANY

I ALSO INHERITED THEM FROM ANOTHER MORTGAGE COMPANY; HAVE NEVER BEEN OVER 30 DAYS LATE ON PAYMENTS. CALLED THEM ONCE TO BE SURE THE ON LINE PAYMENT WAS ACCURATE SINCE IT WAS LOWER THAN NORMAL; MADE THE MISTAKE OF GIVING THEM MY PHONE NUMBER. THEY MUST BE HIGHLY DESPARATE AS THE MINUTE THE PAYMENT IS NOT MADE ON THE FIRST OF THE MONTH, THEY START CALLING INCESSANTLY DAY AND NIGHT. WILL PERSUE A CLASS ACTION LAWSUIT ON THIS. HAVE HAD HOME MORTGAGES FOR OVER 19 YEARS AND NONE AS LOW CLASS AS THIS ONE.
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1 comment
#1310024

Phone calls from debt collectors can be stopped by law if you tell them that you will not discuss your account over the phone. Instruct the debt collector to contact you by mail instead.

ID
#770171 Review #770171 is a subjective opinion of poster.
Service
Ditech Mortgage
Reason of review
Poor customer service

A bunch of snakes in the grass!

Not real pleased with Ditech , have been behind on my mortgage, due to on going circumstances, layoffs, underemployment, health issues, auto issues which has set us back,have been making a payment every month but still behind, they blow steam suggesting a modification, I already have a low interest rate, with would would need to be approved by BOA who also doesn't care all they want is their money, suddenly Ditech tell me I have to make a full payment by Jan 30th. Are just what they call themselves debt collectors,Asked for a letter in writing regard what was stated to me, they say that can sent a letter , the sent something certified in Sept.
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ID
#763717 Review #763717 is a subjective opinion of poster.
Location
Laurel, Maryland
Service
Ditech Mortgage
Cons
  • Not helpful
  • Cannot pay home loan
Reason of review
liars
Preferred solution
serious help, not someone who want to insult my intelligence,a think im going to accept foolishness

Review in Loans and Mortgages category from Katy, Texas

Rude customer service. I talked to Anna and she made me out to be ***. She tells me it's the same company as Green Tree they just had a name change. They screwed up by bi-weekly payments which caused me to get behind and then she wants to get all pissy with me and they are ***. I know what comes out of my account and they are not giving me credit for it. I hope they sell my mortgage to someone else. Seems everyone I talked to in the past is no longer there so no one knows what's going on. I really dislike this company. Anna talked to me like I was her kid instead of a customer who is helping to pay her freaking salary just plain rude....if I never talk to these people again that will be too soon. Hopefully with their loss poor customer service skills they will be out of business soon.
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3 comments
#1096101

I offer this as a suggestion. Do not let Ditech control your emotions, else they will be in charge of you, not you in charge of them.

It is time for you to take charge and not be a victim of Ditech's incompetence.

Use electronic fund transfers from your bank to Ditech Financial, LLC's bank for your normal payments of P&I plus escrow.

That minimizes Ditech's handling of your payment, because the bank they use (Mellon Bank) has a record of your payment. I assume that your bi-weekly payments of P&I plus escrow are held in Unallocated Funds until a full monthly payment amount is available. You can monitor your payments on the Ditech website under Payments.

A warning about Ditech's escrow management.

You will always be shorted in escrow by the way Ditech computes it. Therefore, start your own private escrow savings so that when the annual bills for taxes and insurance are due, you can send to Ditech the discrepancy check to compensate from what they have computed. HInt: Mail them a check for extra escrow only and use the payment slip from your monthly statement so they don't mess up.

You can beat them at their own game by being proactive. Then, you won't need to deal with rude Customer Service personnel.

#1096082

Ditech purposely manages your escrow account to be in a deficit, which ends up costing you more and more each year as time goes on. If you look at the example escrow account they publish, the first year it ends in a deficit due to Ditech's incomplete escrow analysis.

It gets worse from one year to the next, because they never completely adjust the monthly escrow payments to compensate for any discrepancy.

The only way out is to monitor your account on Ditech's website and make sure you send the extra for escrow only amounts when you know the actual bill is different from what is stated for your escrow payment. This will end the cycle of ever increasing deficiencies in your escrow.

Makes one wonder if this is this part of a plan to eventually make your mortgage unaffordable so you will default, or just plain incompetence in proper escrow accounting?

Either way, one can beat Ditech's game by starting your own private escrow account so that you will be able to meet their demand for a balloon escrow payment to settle out the escrow year. Remember, all their statements bear the wording that they are a debt collector, and not a mortgage service provider.

#1086756

Also, they don't give you a last name, you get an ID number. So when you sue the company, no one is responsible just like for our missing payments.

I was told the $15 "appraisal fee" could be added at any time by a "drive by appraisal." I questioned if it was illegal and she said no.

Apparently, since they lost 2 of my payments I am up for foreclosure so my house can be appraised. Something needs to be done about this company.

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ID
#761829 Review #761829 is a subjective opinion of poster.
Location
Katy, Texas
Service
Ditech Mortgage
Reason of review
Poor customer service
I had a reoccurring injury which caused a loss of employment. Employment was Construction, Real Estate & Mortgage. So in a short time there was no employment. Should have been a great candidate for modification. Help to Greetree/Ditech was computer form...
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1 comment
#1098087

They do not send statements and add absorbent charges. They say the statements were returned to them but it's funny I get all my other mail and bills.

This is a rogue company and predator. They are committing fraud against it's customers and they do not divulge all the info in the statement...just an amount you should pay. And you pay it or lose your home.

This is a nightmare and my quality of living is gone down because they get all my money. Someone help me!

ID
#760236 Review #760236 is a subjective opinion of poster.
Location
Saint Petersburg, Florida
Service
Ditech Mortgage
Cons
  • Their
  • Justice the represenative
Reason of review
incompetency
Preferred solution
Let the company propose a solution
I am going to sue the pants off these people for extortion fraud harassment. My payments are on time and the monthly balance due in there threatening type letters is thousands of dollars when I owe them nothing except each month payments. Their customer service sucks...
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1 comment
#1098114

I had the same problem. They wouldn't send me a statement and threatened foreclosure if you don't make the payment.

They want you to take their word for what you owe.

Also if it's late they tack on absorbent late fee charges. They want the money and your home.

ID
#756920 Review #756920 is a subjective opinion of poster.
Location
Las Vegas, Nevada
Service
Ditech Mortgage
Reason of review
Problems with payment

Total incompetence

My old mortgage co was swallowed up in the food chain by Green Tree mortgage, or now Ditech, not sure how many other alias's they have. I was 34.00 short, due to a levee that had passed (my fault) so I mail the payment the same day they called. almost two weeks went by, they still have not received the check. REALLY? It does not take most companies 2 weeks to process payments. So I call to give them my debit card #and get the measly 34.00 paid before the 30 days and they did not take Master card or Visa. WTF? I had to reluctantly give them my bank routing and account #, which I have vowed never to give out to companies like this, but feel I had no choice. Are they connected to the NSA? get all your info they can? My opinion of this company is complete neanderthal, incompetence and an unjust threat to honest people with great credit. I will re-fi with my friendly, customer oriented bank this Jan. This company is an absolute joke, in my opinion. Word of caution is to document all transactions, calls, statements, with your legal counsel like I have.
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ID
#756718 Review #756718 is a subjective opinion of poster.
Location
Kent, Washington
Service
Ditech Mortgage
Reason of review
Problems with payment
Preferred solution
Let the company propose a solution

Unethical behavior and to be avoided

After reading other people's reviews, I finally felt justified in my confused feelings of being ripped off and intentionally delayed in my refinance. It was impossible to deal with these people who kept adding costs to my closing and did not inform me correctly about escrow,etc. I told them I wanted to find my own insurances, etc and they allowed me to do so without informing me that i was not allowed to do that under guidelines of HARP... meanwhile, they took the $2,500 I had sitting in escrow and applied it to insurances that I had already paid for in full myself. I had faxed them all payments I had made beforehand yet they ignored this and when i asked them to reimburse the money they refused saying I just had to get it back from State Farm myself. I got the run around so much from them that I finally just gave up until I checked what other people were saying and then I realized there was a pattern. Avoid this company at all costs!!!! i AM GOING ELSEWHERE AND WILL GET MY ATTORNEY TO GET MY ESCROW MONEY BACK.
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ID
#755383 Review #755383 is a subjective opinion of poster.
Location
Espanola, New Mexico
Service
Ditech Refinance
Reason of review
Problems with payment