Seterus, Inc.

2017-11-01

Bellmead, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-31

Flushing, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-30

Caldwell, NJ

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-27

Alta, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-27

Bristow, VA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-27

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-26

Century City, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-25

Sand City, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-25

Doral, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-24

Wonder Lake, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Response from SETERUS to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. Summary judgment was not granted and there is a counter suit against SETERUS for filing a fraudulent complaint. SETERUS is in possession of a fraudulent Note. Their Note is missing my Social Security number. XXXX never lawfully filed foreclosure are in violation of TILA, FDCPA, FCRA. They are guilty of mortgage fraud, fraudulent misrepresentation, identity theft, forgery of my signature, harassment and invasion of privacy. XXXX XXXX XXXX was sued by the FED 's for deficiencies with these same documents used in this case. So these documents should have never be used in another foreclosure. You are next SETERUS and this time I pray someone goes to jail. SETERUS must Stop opening accounts and taking out loans in my name without my knowledge and consent. They are guilty of identity theft. XXXX XXXX XXXX your name will be added to the lawsuit for perpetuating the fraud. You are not the boss of me so do not tell me what to do. You speak to your attorney. In litigation is not an answer and has nothing to do with reporting SETERUS for debt fraud. SETERUS have no credibility and they owe me now for stealing my identity and other fraudulent activities. So SETERUS should Pay up or shut up! See attached documents for further details
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-24

Fort Worth, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-24

Bristol, CT

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-24

NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: my loan servicer is seterus.they have over charged me for over a year on my school taxes. i received MY XXXX STATEMENT AND IT STILL HAD THE OVERCHARGED AMOUNT IF I DONT PAY IT I HURT MY CREDIT my mortgage servicer is seterus. in XXXX i received a letter stating my taxes went up. i checked with the town clerk and brought my statement to her. she told me they had been overchargeing me for over a year. i called seterus and they said they would refund the difference to me. my next mortgage payment still has the wrong amount. i called and got no where. if i pay the correct amount it will hurt my credit. im in a no win situation
Company Response: Closed with explanation

Timely Response

2017-10-23

Bronx, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: As per my complaint, I have reasons to believe that there has been a gross misappropriation of funds that corresponds to my mortgage with Seterus Incorporate, the loan servicer of my loan. It has come to my attention that a certain portion on my monthly payment can not be accounted for and no explanation of its escrow pay out can not be provided. My monthly payment of {$1300.00} has roughly been the same give and take a few dollars depending on escrow analysis, taking into account fluctuations in insurance, taxes, and PMI payments. My principal payment is {$190.00} and interest payment os {$620.00} Currently my taxes through XXXX XXXX is {$1300.00} per year, taxes {$1000.00} per year, and PMI {$47.00} per month. My total monthly payment should be {$1000.00}. This has been going on for quite a few years and I am yet to receive an explanation or a statement which shows where my escrow payment have been going. I have reached out to Seterus and I have just been transferred from department to department, and as with every department, no one can account for this discrepancy. All these figures can be furnished at your request. I simply have not been able to get anywhere with this company. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-22

VA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: This account was never 60 days past due. On XXXX XXXX, XXXX, I made XXXX phone calls, the following refers to the first phone call. On that day, I was 22 days past due and trying to schedule a payment to bring the account current. Seterus representative made the following XXXX statements : 1. Partial payment of late fee is required to schedule a payment by phone. 2. Answering the questions beyond the routing and account numbers of the financial institution is required to schedule a payment by phone. According to your letter, dated XXXX XXXX, XXXX, the above XXXX statements are false. XXXX or XXXX? About XXXX years ago, having experienced the Seterus solutions, I decided it is better to absorb the late fee than accepting any of the Seterus solutions. Even though, I repeatedly said NO, why Seterus insists and harass with statements such as above, to better understand my financial situation as you stated in your letter dated XXXX XXXX, XXXX?
Company Response: Closed with explanation

Timely Response

2017-10-20

Sparta, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-20

Chattanooga, TN

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-19

Fridley, MN

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-10-18

Douglas, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I started to refinance my mortgage on XXXX/XXXX/XXXX and are one condition away from closing my loan. However, my bank and I are being denied a payoff from my current servicer. My new bank and I have been asking for the payoff for approximately over one month. The past two weeks ( XXXX to XXXX XXXX, we have been calling every other day to get the status of the payoff request and keep getting the " run-around ''. No one seems to be able to resolve the issue or provide CLEAR reasoning why I ca n't obtain a payoff. " it has something to do with my discharged chapter XXXX bankruptcy '', they keep telling me. I was discharged from ChapteXXXX XXXX BK in XXXX, XXXX and this servicer has still been unable to provide a payoff. I have made all my payments on time in the last 24 months and the payment history has been verified with a data agency. At one point, in XXXX, XXXX, I was told everything was fine. Later that week, I was notified the information given to me initially, was incorrect. Furthermore, my new bank has been able to update my mortgage and report the current balance on my credit report ... yet ... the servicer will not provide a payoff!?!?! I am extremely frustrated with this servicer and from what I have learned/researched, it is illegal to deny a customer a loan payoff. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-18

Wonder Lake, IL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: Response from Seterus to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. Summary judgment was not granted and there is a counter suit against Seterus for filing a fraudulent complaint. I have no contract with Seterus. They are lying through their teeth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-18

Ridley Park, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX, XXXX I obtained a Chapter XXXX discharge. I own my home and have a mortgage serviced by Seterus. In spite of the bankruptcy I filed a Statement of Intention that I wanted to retain the home and make mortgage payments. Since the bankruptcy concluded in XXXX, XXXX I have been making mortgage payments and I believe I am current. However, Seterus refuses to resume sending periodic statements to me in spite of recent written requests. My most recent written request was on XXXX XXXX, XXXX. On XXXX XXXX, XXXX XXXX wrote back that they are voluntarily refusing to send monthly statements to me. This refusal is wrongheaded as it makes it more difficult for me to stay current with payments and it violates the most recent Reg Z Amendments XXXX which require mortgage servicers such as Seterus to send the statements upon request. I assume Seterus 's actions are based upon company policy and impact every other former chapter XXXX debtor which has a loan serviced by Seterus that wants to keep their property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-18

Bay Point, CA

Incorrect information on your report

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-10-18

Wheeling, IL

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I have spent a year and a half, and XXXX complaints with CFPB, to try to get XXXX to restore online access to my account in full after they blocked me XXXX years ago when incorrectly listing my loan as in bankruptcy. They have paid minimal lip-service to my issues, lied to me repeatedly, and their constant delays in activity have cost me money. They promised continual contact with me until resolved. No one at XXXX has called me or made any attempt to follow up in 6 months. I am unable to look at any of my data online and must get statements mailed to me. I am unable to schedule XXXX XXXX payments a month. They ruined my credit rating ( that I was trying to restore ) with their inexplicable incorrect reporting of my home being in my bankruptcy. This reporting caused higher interest rates, inability to get credit, to be a co-signer on a family vehicle requiring my elderly mother to co-sign. They continued to add late charges to my account ( not credited until XXXX XXXX ) causing my account to be unavailable to be amortised promptly. That delay, after the credits were given bringing the loan to date, took multiple threats, complaints over XXXX months before my monthly loan amount was reduced ; this after being promised it would happen within weeks. I want my online access restored, or for them to delete that online account and reactivate it if necessary to get me what everyone else has. I want a credit applied to my principal equal to the amount of reduced monthly loan that XXXX had overcharged me for XXXX months. I want their heads on a pike, starting with the lying XXXX XXXX and his entire department of XXXX. I want my loan moved to another servicer without having to refinance. I am done playing nice and waiting. I have spent upwards of XXXX hours fighting with them, and all they do is lie. If you have any questions, you can ask XXXX XXXX at XXXX XXXX. She knows the whole story.
Company Response: Closed with explanation

Timely Response

2017-10-17

Akron, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I had to file for bankruptcy due to a serious medical illness which left me XXXX, I do not have an attorney because I could not afford one ( 'XXXX XXXX ' ). Since XXXX XXXX I have been attempting to get a re-affirmation agreement from XXXX XXXX XXXX. The bankruptcy judge gave me an extension until XXXX before my discharge would be applied. Every time I call XXXX they give me the run around about why the re-affirmation agreement has not been issued. I have called every week since XXXX XXXX, XXXX. I was told it would be mailed out on XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and the XXXX, then the excuse was we can not get the screen shot to send out the re-affirmation agreement. Every week it is a different excuse, we are under staffed in the bankruptcy department. I have heard it all. Now time is of the essences, I have a date for the final discharge on XXXX of my bankruptcy and I still do n't have the re-affirmation agreement for my mortgage. Then, I called XXXX XXXX XXXX attorney XXXX XXXX XXXX, and spoke with their attorney XXXX XXXX below is their contact information ) : XXXXXXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX explained to me that she had prepared the re-affirmation agreement on XXXX XXXX and she had not received it back from XXXX as of yet. She would contact them to find out what the problem is. This was on XXXX @ XXXX pm when I first spoke to XXXX. I spoke to attorney XXXX on XXXX at XXXX am and she stated she still had not received the re-affirmation agreement and she was going to call XXXX and find out what the problem is. She did call me back and was told the bankruptcy department is behind about 6 days, due to being under staffed. Moving forward to XXXX, I have still not received the re-affirmation agreement from XXXX. I have been doing my due diligence for over 90 days trying to get this unprofessional mortgage company to provide me with this re-affirmation agreement. They are attempting to force me to obtain an attorney to handle this matter, when they know financially I do n't have the resources to pay for one. This mortgage company should have to follow the bankruptcy rules and regulations, which they are not complying with. I need your help in dealing with XXXX.
Company Response: Closed with explanation

Timely Response

2017-10-17

Fresh Pond, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response