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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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40 comments
Carlus
#1713118

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.

Anonymous
#1037743

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 https://www.fdic.gov/consumers/assistance/protection/Debtcollection.html

Anonymous
#935233

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!

Anonymous
#932788

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.

Anonymous
#910772

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.

Anonymous
#855540

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.

Anonymous
#813934

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 ?

Anonymous
#737292

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

:( http://www.pissedconsumer.com/reviews-by-company/greentree-servicing/how-to-deal-with-greentree-mortgage-company-20130504405668.html#

Anonymous
#730587

it was a scam to begin with during the yr's 2000-2008 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 ?

Anonymous
#721377

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!!

View more comments (39)
ID
#405668 Review #405668 is a subjective opinion of poster.
Location
San Antonio, Texas

Applying for a loan

I would like to apply for a loan for 3,000
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ID
#1644999 Review #1644999 is a subjective opinion of poster.

Not worth it

1.0
Details
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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ID
#1621553 Review #1621553 is a subjective opinion of poster.
Location
Sumter, South Carolina
Reason of review
Pricing issue
Loss
$35
Preferred solution
Should be paid for , not worth it

Compleat scam

1.2
Details
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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ID
#1581182 Review #1581182 is a subjective opinion of poster.
Location
Cortland, New York
Cons
  • Do not provide the advertised service
  • There customer reps are untruthful
Reason of review
Not as described/ advertised
Preferred solution
Never contact me again

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

1.0
Details
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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ID
#1580057 Review #1580057 is a subjective opinion of poster.
Location
Denver, Colorado
Cons
  • 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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ID
#1516075 Review #1516075 is a subjective opinion of poster.

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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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ID
#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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ID
#1314713 Review #1314713 is a subjective opinion of poster.

Very inhuman

1.1
Details
My late husband and I were with Greentree beween 2006 and 2008. My husband would make sure that the rent was paid every month. Then on October 17, 2008 my husband was killed in a rollover. I was devastated, and going through a lot of depression. My husband was the one who paid the rent. Because of PTSD and major depressive disorder, I was on Social Security. The rent had been paid for Oct 2008. Then because I was unable to pay the rent for Nov, I panicked. On Nov 17, 2008, I started getting money for my husband's work related accident, but it was only going to be $719.00, and then it would go up the following months. I paid the $719.00 and told greentree if it would be ok to pay the balance later. They said no. When Dec came, I had to ask for help from my family. I had the money in my checking account because Greentree would take the rent out that way. I went through *** trying to pay the rent, because I couldnt afford to pay $891.00 a month. I asked greentree if there was a way to maybe get a loan modification, and I was told no. I then received a foreclosure, and was told to leave. This was embarrassing and humiliating. I ended up moving in with my sister. I was denied access to the place I was renting. I lost important things there, tht can never be replaced. I have waited 3 years to find out about the lawsuit that Greentree, but nothing has happened.
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ID
#1184563 Review #1184563 is a subjective opinion of poster.
Location
Mendota, Minnesota
Service
Greentree Servicing Loan
Cons
  • Charges for online payment
  • Company lies and threatings
Reason of review
Poor customer service

Mobile home

1.0
Details
I purchase a home in 1998 and I still owe about two no $28,000 on this home. Can someone please help me obtain a lawyer because right now I am in bankruptcy making my monthly payments but I still do not think it's fair that I owe that much on this mobile home and it's a 1998 please anyone help me.
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ID
#1113219 Review #1113219 is a subjective opinion of poster.
Location
Tampa, Florida
Service
Greentree Servicing Home Loan
Reason of review
Problems with payment

Greentree Servicing Products and Services Reviews

Product or Service Reviews
Loan  1.7 123
Home Loan  6
Mortgage  1.2 300

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Horrible

1.0
Details
Do not use this company. Absolutely no customer service. Ive been trying for 3 months to be out on biweekly payments. They have done nothing. Instead they are charging me late fees cause i have to split my payment up every two paychecks. Absolutely wrong. They need to.get off there behinds and do there jobs. I am in.the process of finding a better mortgage company.
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ID
#1054520 Review #1054520 is a subjective opinion of poster.
Service
Greentree Servicing Customer Care
Reason of review
Problems with payment

The worst customer service ever!!!

The account representative never returned calls. I submitted a settlement request to close my account in early March 2017. I received a correspondence stating that a decision would be made within 30 days. It now May 23, 2017, no decision yet. I've left repeated messages on the account representative voice mail. I've no received a single return calls. Whenever I speak with a customer representative, they all say the same thing: I just sent your acct representative and his manager an email. I'm told repeatedly that the person that must review it is either sick, on vacation, or not in. I'm constantly told to call back the next day for a decision. I'm repeatedly told that it's on the Vice President or President desk for a review. I've probably left 30+ messages and have received zero return call from neither the account representative nor his manager.
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2 comments
Anonymous
#1353894

Now greentree is diteck still I can't get a response out of them awsome

Carlus
#1713120
@PissedConsumer1353894

Ditech is now in Ch. 11 bankruptcy in NY courts!!

They have my money and Fannie Mae transferred many of us to Loan Care who say we owe money to them in erroneous accounting from Ditech. Now out of business. Call Congress!

Get them to get Fannie Mae to be more accountable with the slip-shod servicers with no consciousness nor a sense of business! These are our homes!

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ID
#1051041 Review #1051041 is a subjective opinion of poster.
Service
Greentree Servicing Customer Care
Reason of review
Poor customer service

Greentree Servicing - Mortgage Review

1.0
Details
My late husband and I were buying a home in Salt Lake. The mortgage had been taken over by Green tree. The year was 2008. We paid the mortgage every month. Then on Oct 17, 2008, my husband was killed in a one vehicle rollover. I was devastated. The mortgage had already been paid for the month of October. I thought Greentree would understand when I told them what happened to me husband, but they weren't. I was told that if I didn't pay the mortgage that the house would go in foreclosure. In the last part of December 2008, $891.00 was taken out of my checking, which I owed. Then on Jan 2, 2009, $891 was taken out again by GreenTree. I had no money in the bank to support it. I had nothing but problems with Greentree. They made threatening phone calls to me, I ended up having an emotional breakdown and ended up in the hospital. I never got any help to see if there was a way to stay in the house under a program. But I got absolutely nothing
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ID
#1035635 Review #1035635 is a subjective opinion of poster.
Service
Greentree Servicing Mortgage
Reason of review
Poor customer service

Short Review on November 21, 2016

1.0
Details
Had the money wudnt accept lost home anyway after they told me the night before to be at courthiuse by 7am and i had to sleep for 6months on a floor with my kids
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ID
#958899 Review #958899 is a subjective opinion of poster.
Reason of review
Problems with payment

Misplaced payments, rude customer service representative, incorrect escrow amounts

1.0
Details
Our mortgage was originally with GMAC, in 2011 it was sold to Greentree. We pay our mortgage bi-weekly and the company we used for GMAC said they can send our payments to Greentree. Everything was set to go. First few months all was OK. I get a call from my husband saying did you pay the mortgage? I said of course it auto drafts and get sent out. Verified with bank funds withdrew, verified with company that sent that it was sent out on time, it was. Greentree had the payment but just did not post it. They called and demanded payment which we refused due to they had it. This went on monthly with the threats, and "missed" payment. We then get our statement advising that for escrow we have to come up with an additional $680.00 for taxes and insurance. I said how as there was no increase in either?! Our mortgage from GMAC was about $900/ month after 18 months with Greentree it was $1150. We refinanced with another company and pray our mortgage is not sold again. If possible refinance and get away from this company.
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ID
#912963 Review #912963 is a subjective opinion of poster.
Service
Greentree Servicing Mortgage
Reason of review
Poor customer service

Greentree Servicing Home Loan Review from San Mateo, California

I purchased a mobile home from a private party under contract for deed for $28.000 any money put into it constituted down payment i put $13.000 in repair along with $14.000 for a new roof and siding do to water leakage .paid the $28.000 off not including the repairs . called Greentree and asked were ny title was . They said Brian Jscibson lied to you about the amount owing as well as the very high interst rate in this loan . Brian also told us not to give you aby information . 1 week later Greentree started calling me from 8:30 am till the evening 10 plus calls aday monday- Sat. I was going through Chemo and it was Christmas time . i called Brian the one i did the CFD with asked him what was going on i said i paid this off . he said so i lied i said you told me that the loan payoff was $28.000 i said you lied he said so what i dont give a blank let them forclose i have a nice home to go to . i m a single Father of 3 small Sons at the time . being sick i was getting calls from Greetree every day 10 plus one day i was at my Dr. Appt and my 12 year old so answerd the phone with my Mom listining on the other phone Charity said let me talk to your Dad i know he is home . my Son said no he was not so Charity from Greentree called my Son a litle *** lyer. So my Mom said somthing to her and Charity hung up . when i got home i calked Charity not happy at the time her responce was i dont give a *** what you think . i said i have no money to send you it took me a year to save up for my sons Christmas presents . Charity said take them all back and send us the money you get from returning the presents . or i will send you a nicly christmas wrapoed with a bow on the letter present for you of the forclosue. She had me on tears so i had to hang up . sick as ibwas it took me 9 hours to return all my 3 sons Christmas gifts . than i sent Greentree the check minus $36.00 . at the time and still to this date i am on Sochial Security Disability . so for the next 5 months Greentree called and left basty rude message . i had wrote them my nane is not on any loan document at Greentree you have no rught to be calling me at a so stop the calls right now . they egnored me a kept the calls up .paid the $36.00 . my original payment was $309.00 per month they called and said your paynent is now 335.00 for the forced place insurance . over a period of time the kept uppin my paynen to $355.00 per month i said what for we csnt tell you .i was forced by them to send 7 months worth of mortgage payment at a time or they would forclose .so i sent them 4 months ago i missed a payment du to visiting my Mother who had a bad stoke i was spending 400 a month on gas cause they live an hour east of me calked the corparatw office and asked them what my true payment is they said $345.00 a month they said theycwere just tryin to get more money thst whatcwa do Thr Carver County i talke with the Procicuter told him my story . the prtacuting this case said both green tree and Ditecr andcBrian Jacobso thtey are all guity og Felony fraud covictions for what thet both has caused my badcdepression cact sleep nor funktion.please help me i pray you or somone cachelp me to make both partys accountable .i want to get involved in a class action lawsuit against Greetree / Diteck and Brian Jacobson for all the enotional pain they have caused me in my life this is my home and i will never walk awayx from all the money i have put into the home. .I pray you will read this post i pray for your help please please help me ther is. So much more i need to tell you. Thank you andcall GODS BLEESSINS Thank you Troy Flynnn phn. 952-451-8633
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ID
#892397 Review #892397 is a subjective opinion of poster.
Location
San Mateo, California
Service
Greentree Servicing Home Loan
Reason of review
Problems with payment