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How to deal with Greentree Mortgage company

I have read a host of complaints on this site regarding Greentree Mortgage lending and I can completely empathize. My wife have outstanding credit and a fixed rate mortgage that we have never missed a payment on. Bank of America sold our loan to the greasy, slippery, scummy, "pay-day loan type"-loan sharks in April. After extensive research, we realized that the company is poorly run, run like a "collection agency", and with employees who are rude, oboxious, contradictory, and uninformed. We had between the 1st and 15th of every month to make our house payment as stipulated in the original mortgage that we signed, yet Greentree lending was now saying that anything received AFTER the 1st of each was considered "late", and would be delt with as a "delinquent account". Essentially, they were saying there was NO "grace period" for payment, which practially EVERY lending institution allows for. However, after several phone calls with horrible Greentree reps, I realized that in fact of the payment was made before roughly the 15th of every month it was NOT late. Greentree has sent us statements claiming we are a month behind when we have in fact PAID the mortgage within the alloted time (before the 15h of every month). The statements are delibertly confusing, threatening and alarming but are also FALSE. They have sent letters which are tantamount to "collection letters", and even have "collection agency" written on the bttm of the letter. As stated, my wife and I have a PRIME mortgage loan and outstanding credit, both of which are valuable commodities in this market. We have decided to get proactive concerning our mortgage and these hooligans-thugs-scumbags by complaining to EVERY and ANY agency having anything to do with housing or lending. Here is a list of what to do "if" you are having trouble with these "s-bags"..... (1) Write a complaint to the Federal Trade Commission (FTC) immedately. They don't deal with complaints on an individual basis only as an aggregate. When they get enough complaints, they will take action. An important first step. (2) Contact/complain to the Consumer Financial Protection Bureau (CFPB). This is a new agency, and they will act almost immeadately when they receive a complaint. They have been outstanding thus far with regard to Greentree. (3) Contact/complain to the Office of the Consumer Credit Commissioner for your state. They recently received our complaint and have filed it against GreenTree. (4)Complain to Department of Savings and Mortgage lending for your state. They take this stuff seriously, at least they do in our state! (5)Complain to the Attorney General of your state. Greentree is engaging in deceptive trade practices and breaking a contractual agreement by making statements that payments aren't on time if they are paid after the 1st of each month, but before the 15th. (6)Complain the district attorney for your city/county. (7) Complain to the Better Business Bureau. Another black mark against Greentree. (8)CHECK YOUR CREDIT! It's always a good idea to do a periodic check of your credit, but with an unscruplous lender like Greentree on the prowl, check it every 2-3 months. You can get an account with one of the big 3 credit rating agencies (Experian, TransUnion and Equifax). (9) KEEP A REORD OF EVERYTHING! Make a folder and KEEP a record of EVERYTHING Greentree says and does. This includes ALL billing statements and ALL complaints. Hope all of this helps!
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Green Tree changed name to Ditech which went Ch. 11 in 2/19!!

Fannie Mae passed out loan on to Loan Care who are the worse. Although I have provided on-time payments for years with Ditech/Greentree, they insist we "owe" $5,000 in late fees and mortgage payments. Colorado stinks in this regard. I have even personally made appointments with every Colorado agency that might help and they don't.

And Don't ask Fannie Mae. They are useless.


Great suggestions - also stop paying with a personal check.

They use the routing number from your checks to post payments, hence only partial payments made and then they can claim that you didn't pay on time or in full each month - stop these bastards in their tracks:

Place a STOP PAYMENT order on Green Tree Now Known As DITECH through your bank. It is a one time fee $25 - $50 depending on the Bank.

Get a Cashier's Check each month for the amount you want to pay and allocate extra monies to be applied to your principal.

Cost: $3 or so each time.

Make a photocopy of the Cashier's Check and Statement before you send payment.

Prepare a Certified Mail (Green Signature Card with corresponding tracking receipt) - Make photocopy of this also. Mail payment via Certified Mail. Maintain chronological records of every payment and correspondence from Green Tree NKA Ditech. Some might think that it isn't fair to have to spend money to protect against a predatory collection agency - I agree, it sucks, but if you don't take steps to protect yourself these criminals could take everything you have worked for.

I say Invest in Yourselves and Your Futures: You deserve to Enjoy ALL that you have created: Yes, spend $25 one time fee to place stop payment against Green Tree KNA Ditech- they will no longer have legal access to your bank account.

The $3 Cashier's Check fee and Certified Mailing $6 to $8 are well worth peace of mind Because the Cashier's Check is FDIC drawn, the Ditech creeps will be less likely to "lose" it - Federal Deposit Insurance Corporation rules apply. File complaints with the FDIC


I got dumped on them when GMAC (another bottom dweller went under) and I had problems from day one. But I kept a file, I corresponded with them-never called-you NEED documentation, and a paper trail.

Citing RESPA about everything they were doing WRONG. They had me in arrears constantly, though I was paying. They had the WRONG escrow amt, though they were provided with statements from the assessor and my insurance carrier. They were posting partial payments.

I took the file directly to my congressman and said ENOUGH. These people are vultures, incompetent and I want intervention. Then I did as this other person did, I filed complaints with EVERY known source I could. If everyone would COMPLAIN, constantly to every known entity about how SHADY and underhanded this "company" is.

It would get them fined, and shut down. So please get governmental people involved, the MORE the better. Let them know you as a consumer do NOT deserve to be DUMPED on criminals to service your loan when you have NO say in who can service a mortgage.

We the People should have CHOICE in who does this, not be DUMPED on a "company" that has a "F" rating with BBB, and every OTHER consumer advocate group. Time the government ENDED their fraudulent activity towards We the People!


They want to charge $12.00 to pay on line. What snail mail century are they in. I called and requested they to sell my loan to ANYBODY else and they diffantly do NOT want you to pay extra or pay EARLY.


something else that should be listed as one of their hidden fees 8.00 a day if payment is considered late is what they will add on to your loan. there may be more hidden fees. worth checking out.


Good suggestions that I will implement.

Has anything been resolved for you as a result of filing all these complaints? I have been dealing with GreenTree's incompetence and rudeness since they acquired my loan several months ago, and am still waiting for them to sign over an insurance check so that I can start repairs on my roof.


I over paid my current monthly mortgage by .11 cents, but have been told that they only received a total of .11 cents for said payment. Straight to the point, I use online bill pay, All my payments are rounded up to the nearest whole dollar figure..

It works great for me, period. They don't get it, do they ?


We have the same *** up people with this greentree We have done everything we can to try to make this right and still have the *** so I'm going to try some of this and see how far we can get if not I'm going to the news and push it as far as we can I'm sick of this *** house payment went from $500 to $796 a month :(****5668.html#


it was a scam to begin with during the yr's 2000-**** before stock market crashed giving out these made up triple A ratings ,{fake package they slap together }on people to give them ,almost anyone a loan to capitalize on the poor sob's, clean them out ,owe us forever ,we are selling your loan anyway & taking ours "money' right off the top .scam artist ,devils at work ,sign here .it will catch up to them all soon ,living like kings and queens ,there bottom will drop out too.. cant keep scamming people ,big banks did this too ,was all a plan ,it ruined the economy ,hurt lots of good people ,let the government get on them they are about to pay big time ,& jail time .hope we all get letters or are getting letters to have all are mtg's re:done honestly ,properly .oh PMI .did the big banks have both hands out during the bail out on collecting there ?


I filed a complaint to BBB. Their response back was to blame a third party name Melon bank.

They said Melon bank should report the payment within 24 hrs. I think they just bullxxx me. People please file complaint to BBB. We can put them out if we have enough man power.

Plus it is fun to see how they come up with response to the compliant. Very creative liar!!

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#405668 Review #405668 is a subjective opinion of poster.
San Antonio, Texas
New Reviewer

Not worth it

I bought a 1996 mobile home in 1999 brand new, its Finance threw Green Tree, o have already paid 85.000, balance is 27.000 thousand still, only worth 12000 now, can they do that
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#1621553 Review #1621553 is a subjective opinion of poster.
Sumter, South Carolina
Reason of review
Pricing issue
Preferred solution
Should be paid for , not worth it

Compleat scam

If you want a loan do not apply to these guys. There long winded sales rep will out right lie to you. They told me my credit score was not good enough to get a loan with them or any one else. It was over 700 bty ,The entire drawn out affair was leading up to getting me to sign up for there credit repair service. I got a personal loan with no trouble from an other service.
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#1581182 Review #1581182 is a subjective opinion of poster.
Cortland, New York
  • Do not provide the advertised service
  • There customer reps are untruthful
Reason of review
Not as described/ advertised
Preferred solution
Never contact me again
New Reviewer

Green Tree changed name to Ditech who went Ch. 11. No service!

Update by user Jul 08, 2019

They're out of business! check your records

Original review posted by user Jul 07, 2019
Had a HAMP in place. Citi-MOrtgage sent back to Fannie Mae who sent to Green Tree. They never paid my bonus, changed the interest rate on mortgage, changed their name to Ditech and continued to do terrible things till they went Ch. 11 in 2/19! Now they have my money and new nefarious servicer, Loan Care, refuses to accept my bank statements for years of on-time payments. Saying they believe Ditech. Writing Rep. Katie Porter (Calif) as she was oversite to change these servicers and Fannie Mae to be proper. These are our homes! If you had a problem with Green Tree/Ditech, please register a complain with Congress. Either Senator Grassley or Rep. Katie Porter. This must stop!
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#1580057 Review #1580057 is a subjective opinion of poster.
Denver, Colorado
  • Thieves and scammers

Green tree taking my money for years

I returned home n 2015 after paying for years after making several complaints. They made settlement to a cosigner that didnt pay 1penny harassed me for years. I will now sue cosigner n ditech. They owe me thousands back.
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#1516075 Review #1516075 is a subjective opinion of poster.

I worked for Green Tree as a Collections Manager - Pennsylvania Office

Senior Leadership condoned bad behavior, being rude, threatening to customers who where pushed into expensive loan arrangements for inferior manufactured housing. Mostly located in areas with hardworking people who may not have been business savvy to to protect themselves. I remember one Saturday (end of the month) we had taken over Green Point, we had collected any and all past due amounts that was ethically possible. I got to go home, and released the collection staff. By the time I got home, which was about 40 minutes away, the Regional Manager (office manager) called me and said I HAD TO COME BACK because the company as a whole had not hit their collection goals. I went back but I refused to call the staff back as they had been dismissed for the Saturday. Myself and the Manager sat there from 2pm until 9pm (couldn't call anyone after 9pm) no additional payments were collected, but this what the senior leadership wanted probably while they where enjoying their Saturday with their families. we did all that and they closed the Pennsylvania office anyway. No ethics or standards here, just a free for all
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1 comment

Do you know how I would get a lien release on a mobile home bought in 85 and totally paid off. Green tree was the company

#1469396 Review #1469396 is a subjective opinion of poster.

I Lost $5000 to GT llc

I've contacted then over 100 times. I went of to care for my x-wife in 2012 for 5 months with stage 4 Cancer. When I arrived home the house was in foreclosure. Payment was autopay. Checked with bank & all payments withdrawn. They used every excuse for more $$$$! Attorney fees, court files etc. Never recv a cent back.
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#1314713 Review #1314713 is a subjective opinion of poster.

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New Reviewer

Very inhuman