1. Green Tree purchased our mortgage from XXXX at the end of a Chapter XXXX bankruptcy. ( XXXX/XXXX/2015 ) Payments to Green Tree began on XXXX/XXXX/2015. 

2. At the end of bankruptcy, we sought to refinance the house to save $ 600+/month in payments. 

3. Green Tree has a " policy '' to " not report for the first 90 days after service transfer. '' As such, payments were made to Green Tree ( for which they have all proof and documentation, but we will also provide canceled check copies ). However, no payments were reported to credit bureaus. This is in a letter we received from Green Tree dated XXXX/XXXX/2015. ( We will also provide a copy of the letter. ) 4. Because of post-XXXX mortgage rules in the Dodd Frank Act, a refinance can not be done unless payment history is unbroken. The 90-day-gap that Green Tree creates in payment history means that their customers can not refinance to another company! As a financial institution, they would know this. This has kept us from re-financing with other lenders. 

5. Therefore, this constitutes a XXXX where a consumer is unable to leave the patronage of Green Tree Servicing LLC ( This is a criminal action! ) due to the Dodd Frank rules. Green Tree purchases a mortgage, creates a gap in credit history, and that renders customers unable to leave their service. 

6. We simply want Green Tree to report payments they received to the credit bureaus. This would allow us to re-finance. Presently, this is costing us an additional $ XXXX. If this continues much longer, we will also be forced to take civil action to recover some of that monthly cash flow. We have XXXX children in college, this year - we need that money, desperately. We ca n't afford to be held hostage to XXXX like this. 
