Seterus, Inc.

2015-07-15

San Jose, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am writing to dispute being charged fees in the amount of {$710.00} on my account. The amount is inaccurate and I am requesting that the error be corrected. When I lost my job and I was late I called Seterus and I was told they are here to help so I tried to get a modification, but I was they declined, so they worked out a payment plan with me and I would not be charged any fees. In XX/XX/XXXX and XX/XX/XXXX I had financial problem so I only paid a portion of my mortgage because I was told to pay something then I realized the money was not going towards my mortgage, I called Seterus and that 's when I was told that I have been being charged late fees since XX/XX/XXXX and the portion of the money that I have been paying was only going toward fees, which I did not know I had. Also they charged me fees to go by my house when I 'm talking to them and telling them that it is occupied I believe that this company is unethical and the FTC should have them investigated. Please investigate this matter and correct the billing error as soon as possible.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-15

Montevallo, AL

Disclosure verification of debt

Debt collection: Mortgage

Right to dispute notice not received
Complaint: Mother passed away XX/XX/XXXX, Father assumed mortgage on home. He passed away XX/XX/XXXX, and his left his friend in the home. I was just made aware the house was still in my mothers name alone, and the person living in the house was not making payments. The house is up for foreclosure and I have tried to contact the mortgage company and they refuse to talk with me even though my brother and me are the only heirs to her estate. An estate was not open XX/XX/XXXX on her due to the fact our father was still alive. I 'm trying to get belonging out of the home and possible save it from foreclosure if they would talk with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

Three Bridges, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-15

Jupiter, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Northwood, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Coral Springs, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

N Valley Stream, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Bath, NH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-13

FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-13

New Orleans, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have just emerged from Chapter XXXX bankruptcy and have been fully discharged and the bankruptcy case terminated ( I am attaching documents to prove this ). I received a payoff statement from my mortgage carrier, Seterus, and found I was being billed for property inspections and BPO costs for a total of {$690.00} added to my mortgage payoff amount. ( I am attaching the payoff statement with the charges in question circled on page XXXX ) These are charges that are usually associated with foreclosure proceedings. But since I have just completed a 5-year Chapter XXXX plan successfully, foreclosure proceedings are forbidden by bankruptcy law. Since my discharge from Chapter XXXX on XXXX XXXX, 2015, I have been on time with all scheduled monthly payments to Seterus. I called Seterus to find out why these property inspection and BPO charges have been applied to my account, but I was told they were not allowed to discuss anything regarding my account with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Rncho Domingz, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Dear Sr. or Madam, My name is XXXX XXXX .My loan was with XXXX XXXX XXXX . I try to modify my loan while with XXXX XXXX XXXX and they denied me because I do n't live in the property. I lived in this property ever sense I bought it. Loan was transferred to Seterus account # XXXX. Property location is at XXXX XXXX XXXX XXXX XXXX Ca XXXX. When my loan was transferd to Seterus they paid my taxes on XXXX/XXXX/15 in the amount of {$4200.00} when my payment was already in and on time. I paid according to Seterus {$870.00} of late fees for taxes being send late.. I do n't understand why I 'm paying late fees for. I was sending so much money to this account for taxes and they would put it in suspense. I tack to supervisor and I get their promise that they well put my money where they suppose to. There were XXXX occasions that they told me that they taken money of {$240.00} from escrow account to satisfied to late fees. All late fees have bean removed and now I do n't know what happen to that money .All the money I was sending was deposited as a suspense deposit. I was calling them so many times an order to be told that they ca n't reverse the transactions done before. I need all suspense money that was applied to principal to be moved to pay taxes and balance to be send back to me. I want to know what happened to money that they were taking out from escrow to pay late fees. After that late fees were removed from my account where the XXXX x2 went to.They told me that they paid my house insurance. I called insurance company in order to be told that they did n't get money from escrow account. I called Seterus to ask what happened to my money they said : '' We paid for the the balance of your taxes. I have no idea what they are doing. Please help me clear this mess with them so I can have my life back. This is taking so much of my time. Your help would be greatly appreciatedSincerelyXXXX XXXX XXXX XXXX XXXX Ca XXXXPlease fine enclosed transaction history : exibit # XXXX transaction history
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-13

Bellevue, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-13

Clermont, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I submitted a request for a payoff statement from my current mortgage company ( Seterus ) on XXXX XXXX. I am refinancing my home I have submitted many request as did the bank that I am refinancing with, We sent both email and faxed requests and I called and spoke to one of the managers but they do n't seem to want to cooperate.I 'm told when I ask that they are backed up sending faxes and emails. This is causing me a significant financial burden. When Seterus took over iur mortgage from XXXX we were in Chapter XXXX ( our mortgage was not included ) Seterus rated our loan incorrectly and that needs to be corrected as well. They insist that does n't make a difference but the bank we are refinancing through disagrees.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-11

Mill Valley, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I financed my mortgage XX/XX/XXXX. Servicing of my XXXX Mae-backed mortgage is now in the hands of Seterus , Inc . It went from XXXX XXXX to XXXX and to Steterus, effective XXXX XXXX, XXXX. Due to errors caused by XXXX, I was forced to file bankruptcy XX/XX/XXXX. XXXX used this as an excuse to stop sending mortgage statements and return envelopes at that time. Although XXXX sent me statements for a few months, eventually they too denied me the standard mortgage service of providing a monthly statement with a self-addressed, return envelope. I simply mailed my check every month to a post office box. I have XXXX mailings from Seterus, XXXX with a different variation of my name. I have requested ( 3 times ) that they send a monthly statement with an appropriately addressed return envelope for my mortgage payments to me with MY name in the address. This seems to be a reasonable request to make to a servicing company. How else can I know that my payments are received and my escrow payments are distributed correctly? I have not received any accounting on this mortgage since XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-11

Wonder Lake, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Seterus has failed to process a modification application and is in violation of several CFPB regulations. The application was submitted on XX/XX/XXXX and as of XX/XX/XXXX account representatives state there is nothing they can do but escalate the issue again to the underwriting team, their supervisor, as well as the account rep supervisor. When asked to speak with supervisor on XXXX separate occasions with XXXX different Seterus reps : XXXX stated on XX/XX/XXXX there is nothing supervisor can do because they already escalated it, and more recently on XX/XX/XXXX an account rep stated even the supervisor says " hands are tied '' and there was nothing they can do, but re-escalate it. Property is in the foreclosure process and despite the fact there was a modification submitted on XX/XX/XXXX that Seterus is failing to process, they still moved for Summary Judgement on XX/XX/XXXX. Timeline:XX/XX/XXXX Application submittedXX/XX/XXXX Confirm of received application, confirming all docs submitted and they will contact us with any additional requests. XX/XX/XXXX Follow up - no one assigned, asked for updated check stubs because old expiredXX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. XX/XX/XXXX Follow up - no one working the file, Account rep asked for a new application because everything had expired. Then found a new underwriter to assign the file to. Underwriter stated it was their fault documents had expired and we did not have to resubmit new documents. XX/XX/XXXX Follow up - general inquiry nothing neededXX/XX/XXXX Received letter - They will conduct a through review of information and make a decision whether eligible for assistance. XX/XX/XXXX Follow up - status was escrow orderedXX/XX/XXXX Follow up - nothing neededXX/XX/XXXX Follow up - status was waiting for XXXX approvalXX/XX/XXXX Follow up - status was waiting for XXXX approvalXX/XX/XXXX Follow up - status was waiting for XXXX approvalXX/XX/XXXX Follow up - status was waiting for XXXX approval, email sent to underwriter to see if there anything new and request a call back. ( No call back received ) XX/XX/XXXX Follow up - account rep concerned, may not have been sent to XXXX, escalated the matter to all parties. XX/XX/XXXX Follow up - Escrow ordered on XXXX XXXXXX/XX/XXXX Follow up - Some review for escrow but no decisionXX/XX/XXXX Received final notice before tax saleXX/XX/XXXX Follow up - No new notes since XXXX XXXX ordering the tax, escalated it, transferred to tax department. Received confirmation from XXXX whom handles Seterus taxes, that taxes have been paid. XX/XX/XXXX Follow up - No new notes since XXXX XXXX ordering the tax, escalated it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Skanawan, WI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

New Albany, OH

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Chula Vista, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

KS

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: my mother passed away four years ago. I co- signed for her home in XXXX. I continued to pay the mortgage on her loan. I later had financial problems and was told by Seterus that i could get a modification loan. Then was told later that i did not qualifiy for a modification loan. The mortgage company then said i owed a lot of back payments. And they placed me in foreclose. Seterus did not allow me time to get the documents needed for a modification loan. When i tried to contact the lawyer that was handeling the lawsuit. i would not receive a call back. I had a letter sent to me saying withdrawal of counsel and entry of appearance of substituted counsel twice. Seterus took a payment from me in XXXX of XXXX and said they never did. I asked how much it would cost to reinstate the loan and they added so many thousands to my account that i do n't owe. Now they are going to auction off my home XXXX XXXX at XXXX unless i pay XXXX on XXXX XXXX XXXX. They have made mistakes and do n't want to fix them. Please do n't let them take my home.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Lake Lotawana, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Clermont, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Seterus rated my loan incorrectly and wo n't fix it. I am trying to refinance and they wo n't cooperate in getting my payoff to the new lender.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Foothill Ranch, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I disputed more than 10 times and escalated your service department and correpondent team but your company ignored my fair claim to remove the charge {$90.00} fee that is not my fault and responsibility. I already sent the proof documents that I paid the payments ontime. Per our conversation with Customer Service team last month, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fualt from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. Please reconsider and waive the charge {$90.00} fee XXXX I discussed and agreed on the phone that I am going to make a payment of {$990.00}. Regards, If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX. Regards, XXXX XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-10

Hinkley, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I had my real estate taxes reduced by {$1500.00} a year and faxed the copy of the reduced tax bill to Seterus as they instructed me to do on XXXX/XXXX/15 and asked them to analysis my impound acct and make adj. in my payment. No response. I called again on XXXX/XXXX/15 and talked to XXXX and she told me to refax. It would take 7 to 10 business days. Still no response. Called XXXX/XXXX/15 and XXXX told be to refax again which I did. Still no response. Called again on XXXX/XXXX/15 and XXXX XXXX told be she was ordering the analysis of my impound account that day. No response, so I called again on XXXX/XXXX/15 and talked to XXXX XXXX and she said they were working on it. Should have by the end of the week. Still no response, so I call again on XXXX/XXXX/15 and was told it was ordered on XXXX/XXXX/15 would take 4 to 6 weeks, which is past that time period. I still have n't received any response from Seterus as I keep getting the run around am I 'm paying much more each month in my impound account that I need to. Also, the wo n't send me any payment statements as they say that since I filed and received a discharge of my bankruptcy, that they wo n't send me payment statements. That if I want to make payments, I just have to send them a check. I have been on the internet and read other reviews from other customers and this company has to be the worst ever. They should n't been handling people 's funds as you ca n't even find out what they are doing with them. They should be put out of business.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Fort Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Sylvania Township, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response