I am seeking the help of this agency and would like to file a complaint against Ditech Financial LLC, mailing address is XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. This institution currently holds a Mortgage loan on my current residence. I have been a client of theirs for over one year, as a result of the mergers of the original company i signed my mortgage contract with. As background, I have never been late or missed a mortgage payment with either the prior mortgage company or with Ditech. I have paid exactly the amount Ditech sent to me every month per their billing statement. XX/XX/XXXX, they are demanding I pay an additional {$3500.00}. When I questioned the reason there was no explanation provided to me. There has been no increase in my real estate taxes as confirmed by my county and no increase in my home owners insurance. Both resources confirmed for me this fact. When notified by Ditech of the increase, I sent them a request asking for an explanation and I have not received a response. I have called them on multiple times, indicating that I will now pay my homeowners and taxes separately and that I will now only pay them principle and interest charges for the loan. As a result I prepaid my real estate taxes through XXXX XXXX, XXXX and sent Ditech a receipt showing the tax is now paid. I have also for the last three months paid my principle and interest payments on time. I have receipts of all transactions. 
My rationale for paying my taxes and homeowners separately at this point is that Ditech has not demonstrated to me the competancy of computing and paying my taxes on my behalf. I do not understand their computation and they refused to respond to my questions. The only response I did receive is " Your mortgage payment is now 60 days past due and your account may be referred too for foreclosure. Ditech financial LLC has tried to contact you previously to make you aware of the foreclosure prevention options that may be available to you. In case you are unable to bring your payments current ''. 
I completely disagree with their statement. 
