I am writing in response to Ditech Financial LLC 's recent initiated foreclosure action against me. 

This is a rather shocking revelation since I am current on all monthly mortgage payments. After conducting an extensive audit of all mortgage payments to Ditech in XXXX, it was revealed that Ditech was overpaid {$2500.00}. Numerous, certified USPS correspondence mail was sent to Ditech detailing the payment history as well as identifying the overpayment. There was no answer by Ditech. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Ditech was sent Qualified Written Requests in order to conduct an audit of their records. To date, Ditech has not responded, violating their legal obligation under the Real Estate Settlement Procedures Act ( RESPA ). Accordingly, I seek the remedies afforded me under RESPA in the amount of {$2800.00}. 

This is not the only transgression by Ditech. Throughout XXXX & XXXX Ditech has been : Misapplying my mortgage payments to the wrong account. 
Failing to renew my Homeowners Insurance on the property and instead initiating a " forced-place '' policy that only paid the balance on the mortgage and did nothing towards replacement of the dwelling or other personal property destroyed or damaged. Such activity violates state and federal laws, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX A recent case against XXXX XXXX XXXX and its mortgage servicing agent, XXXX XXXX XXXX, resulting in a large settlement for the plaintiffs. For reference, this case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida, No XXXX. 
Charging late fees even though I am current on mortgage payments. 
Engaging in coercive collection practices and falsely claiming that certain amounts are due. 
I am in possession of the evidence to prove all of the aforementioned claims. 
