XXXX XXXX XXXX and Greentree and Ditech are all adding fraudulent charges to my account just to try to take more money from me that they are not owed. I wrote a check to them for my full mortgage payment every single month since the inception of this loan, for full principal and interest payment and they cashed my checks and did not credit the amounts to my account. I called and wrote and tried forever to resolve it with them. then they started collecting my checks and holding them and not cashing them. by miscrediting my payments and then later not cashing the checks at all, their scheme was to then start charging me all sorts of fees and accusing me of being late and not paying. they called many times and spoke rudely and calling me names and threatening me with foreclosure and would not acknowledge the reality of the situation which is that they received and cashed my checks. then they began returning my checks to me after holding them for months. they continue to threaten me with foreclosure. I tried to talk to their attorney who also seems to be in on the scheme and told me and my attorney that I should stop sending checks because if I dont send a huge amount with the thousands they allege are overdue they wont accept the checks. 
