Well I can see where ours is going. Where you are. We are fighting the escrow, insurance that they had increased "greatly" was totally fraud. I called my agent and she got THAT fixed. Property
taxes went down, so they have yet to explain why payments that have been increased 3x in last 6 months almost by $100. They claimed escrow - a lie.
And their most famous fraud: payments that are improperly posted to "unapplied funds", then Greentree-Ditech HOLDS those funds until they are past due. Account is actually current, but sitting in unapplied funds and we - the mortgage hostages do not know this. That is, until the Certified Letter of Notice of Default comes. Three months we have played this game - with my demanding the payment be posted correctly and do NOT charge me a late fee. The latest is that the account is current (after they were informed AGAIN
to post "unapplied funds" to our mortgage payment). However, between November and December the payments increased AGAIN - by $4. Okay, that makes two payments where I am a total of $8 owed technically to make it current. They state it is $29 I owe. I tell them to do the *** math and tell why the discrepancy! The CSR (a robot) repeatedly states $29. No doubt anything above the $8 are fees and this practice of ripping off for fees is so obvious and old. And I now know for a fact that when *I* send an electronic payment from my bank, it is posted the next day - in "unapplied funds." Like they refuse to honor it. Yet when you make the
payment on the phone (fee charged, of course) the payment is posted correctly. I refuse to pay the fee. As for the first bogus NOD demanding then $80 in late fees for funds in "unapplied", my husband, once in collections, got the representative to admit on the phone "it is all about generating revenue"! That is their job. Generating as much revenue as possible at any cost. That is their job. Period. Just debt collectors at their most ruthless.
There is no 'servicing' of any mortgage going on here. Like I said above, this game of applying Mtg. payments in the wrong account is so old. *** - I busted BOA on that scheme in 2009-2010! Have the old spreadsheets to prove it. And HOW did that turn out for them??
The account is current and correctly posted except for their $29 of which they will not tell me what that entails above and beyond the $8 I do owe because of another payment increase unknown to us. "You would not begin foreclosure for $8 would you?", I asked, now
livid. A Certified NOD for an incorrect amount of $29? Really? Yet we have it. And this game is repeated over and over. And they hound you and threaten mercilessly..
And his reply: "Legally they can begin foreclosure." To which I told him "you go on ahead and do what you have to do, and I'll go ahead and contact my State's AG, HUD, Social Media, and my state and federal representatives." End of conversation.
As a PS: Last night, they called at 8:53 p.m. Before she could get our address verified I told her the same I told the rude robot man last week this call constitutes continuous and COMPOUNDING harassment.
Unfortunately, like the gentleman above we cannot afford an attorney to help us sort this mess out. Medical bills have us financially devastated. We cannot sell the house - it is underwater. Any shortfall you know these wolves will hound you with a deficiency judgement.
I just want to get the word out that though the name may have changed (which they routinely do after the lose their class action lawsuits), the practices are the same and they seem to be escalating in ruthlessness.
BOA->Countrywide->Greentree->Ditech...a lepoard does not change its spots.