Refianced our mrtg with XXXX in XXXX 2015, had free month of XXXX not pymnt due, made XX/XX/XXXX pymnt to XXXX. At the end of XXXX were contacted by Green Tree telling us that we owed them the mrtg pymnts, showed proof that payments were made to XXXX XXXX via bank statements. Was told to make pymnt to Green Tree instead which we did for XXXX, in mean time while investigating the payments for XX/XX/XXXX we were reported as being 60 days late in XXXX when all payments had been made on time. Our XXXX pymnt was applied to XXXX and XXXX pymnt was applied to XXXX, which they reported us at that point of being 60 days late for XXXX. On XXXX XXXX XXXX returned XXXX payment to us and we contacted Ditech immediately and made that paymnt back to them. We also made our XXXX pymnt to them which was completely cleared from our account on XXXX XXXX and was not applied until we contacted them on XXXX XXXX. Instead of applying the pymnt and post dating it back to XXXX XXXX they left it at the XXXX which then made us late and we were once again reported as being late. We once again contacted Ditech and after speaking with a lead agent named XXXX we were informed that our account was a mess for several reasons. First Ditech was buying out Green Tree which changed their computer systems and things were a mess because of it. Second we were informed that the mortgage company can not report your credit status for the first 60-90 days, especially when XXXX payment was under investigation. XXXX XXXX was not supposed to return XXXX payment to us, they were supposed to forward it to Ditech. XXXX Ditech held our XXXX payment for unnknown reasons and when we called to have it corrected the person who applied it should have corrected back the posting date to the XXXX. XXXX was very helpful with clarifying the notes to the dispute department and I was informed that the incorrect reportings to the credit departments would be corrected by XXXX XXXX and XXXX XXXX. We received a letter in the mail from Ditechs dispute center informing us that all of the reporting of being late were correct and would not be changed on our credit reports. This is a very troubling situation for both my husband and I and if we had known what bad service and business service XXXX was putting us in, we would never have refinanced with this company. We have made the first 4 months mortgage payments to XXXX different mortgage company 's and not one of them could get it right. PLEASE HELP US! 
