Seterus, Inc.
Consumer Complaints
There are over 4489 complaints on file for Seterus, Inc.. Dated between 2019-02-19 and 2012-03-23.
Complaints Page 21
2017-10-17
Peoria, AZ
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
2017-10-16
PA
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: First I would like to say that I am thankful that we have agencies in our country to help us with these matters. It is comforting to know that we can be heard and someone is looking out for the average consumer, so Thank you.
I have a mortgage with Seterus Bank on my primary residence. Back in XXXX of XXXX I came to a breaking point financially and my husband and I split for this reason. I requested and was approved for a mortgage loan modification. The process took about a year from start to finish. In XXXX I was approved for the loan modification and my payment was made more suitable to what I could afford. Shortly after I got a letter from Seterus stating that my payment was going to jump from {$1200.00} a month to {$1400.00} a month. I asked how this could happen since I had just been approved for a loan modification and now my payment jumped to even high than I was paying before the modification. The customer service rep. said it was due to an escrow shortage. I told them I could not afford the new payment and what could be done again, reiterating that I had just been approved for a modification due to my financial situation. The customer service rep. informed me that I could request in writing to have them spread the escrow shortage over 60 months but that I should not stop making my payment of at least the modified amount every month. So that is what I did. I paid the {$1200.00} a month for that month and applied to have the escrow shortage spread out over 60 mo. I was approved for the escrow shortage to be spread out however, since I had not made a full payment they took my monthly payment and put it aside and never applied it to my monthly mortgage payment therefore showing that I missed a payment for that month. I fought to have them reduce that months payment since I had been approved for a modification as well as spreading out the escrow shortage and this was due to my financial hardship thus proving I was not able to afford the monthly payment of {$1400.00}. They refused. At this point they took my money and applied it towards the principal of the loan. I made another payment to try to bring my account current of {$1300.00} and they took that money and applied it towards late fees and other fees that were assessed and STILL did not apply it towards the supposed " missed '' payment. I was told my only option was to write a letter to the corporate offices to try to have this taken out of the principal and applied to my payment so I would not be considered past due. I wrote the letter and they sent me a response saying that my request was denied. Most recently, I applied for a loan to purchase a new home and was denied because they marked my credit as having paid late for XXXX, XXXX & XXXX of XXXX. I asked them for a print out of my payment history and they sent it to me. I had made a payment every month for the last 2 years every single month. This payment history came from them! It showed my 2 payment that I made back in XXXX of XXXX ( when all this took place ) and still they said I was past due because they took one of my payment and applied it to principal and refused to remove it. They also took another payment of mine and misapplied it to all sorts of " other '' fees and still did n't complete my " missed '' payment. I ended up having to make two payments this year in XXXX to bring my account current. This month XXXX XXXX XXXX ) I received a letter from them saying they were returning to me {$320.00} for incorrect late fees collected and that this was ALSO applied to my principal of my loan ( Copy of the letter is attached ). I was irate that they keep taking my money and doing what they want with it, applying it where they best see fit and never even ask me if I would like the money back. I believe this is illegal. How can they just take my money and apply it to principal or anywhere for that matter without first consenting with me? Do n't I have a say? They have had a payment from me every month as agreed and as their customer service reps. have advised me to do and still I suffered getting a loan because they have erroneously informed the credit bureau 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-16
Greensburg, KS
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
2017-10-15
Sarasota, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XX/XX/XXXX, I received Notice of Cancellation from XXXX XXXX XXXX ( HO ) and contacted my agent to find out what 's going on. Agent reported that XXXX ( servicer ) had paid wrong HO insur co ( believed to be XXXX ). I then learned XXXX had forced placed ins with a 3rd ins co ( XXXX ). XX/XX/XXXX, XXXX Escrow Statement XX/XX/XXXX reported an escrow shortage of {$4500.00}, and listed 3 separate payments for HO insur for {$1600.00} each. XXXX increased my monthly payment to account for the escrow shortage. A copy will be uploaded. XX/XX/XXXX, XX/XX/XXXX, despite frequent multiple requests to XXXX to confirm the Escrow Account balance had been corrected by refund of excess payments and reduction of monthly payments because any Escrow Shortage was due to XXXX 's actions, XXXX never provided the requested information nor corrected the snowballing fees and overcharges directly related to XXXX 's errors. Then, without prior notice, and without correcting the errors in the account ( overcharges in monthly payment amount, late fees, increased interest from misapplication of payments, etc. ) servicing was transferred to Seterus, Inc. XX/XX/XXXX-XX/XX/XXXX, after receiving initial account information from Seterus , Inc. , and seeing that XXXX had never corrected their errors and the fallout from those errors, including payment by Seterus to XXXX of over {$400.00} in late fees I contested, I started my campaign of regular phone calls to Seterus explaining the XXXX escrow account mismanagement, over inflated principal amount, outstanding late fees, and newly revealed escrow shortage. All to no avail. Despite my persistent requests to Seterus to obtain the appropriate Escrow Reconciliation Report from XXXX, to this day Seterus never did. This is in addition to the multiple requests to XXXX. XX/XX/XXXX, I sent both a detailed Debt Validation Letter and a Letter of Explanation to Seterus by US Mail RRR, after learning from one of the putative specialists at Seterus that they only respond to written questions, concerns, and requests like mine. A copy each will be uploaded. XX/XX/XXXX, after being paid a visit by an agent for Seterus in violation of my written requests, I mailed a Supplemental Request to Seterus. A copy will be uploaded. XX/XX/XXXX-XX/XX/XXXX, continued efforts to follow up with Seterus to resolve. Made what I considered the correct monthly payments until locked out of the Seterus web site. In XX/XX/XXXX learned that my file had been sent to attorney for foreclosure. Initiated email and phone contact with Seterus attorneys.
XX/XX/XXXX, participated in a conference call set up by a Seterus attorney including atty, me, and a Seterus executive who promised to get to the bottom of XXXX escrow account issues in order to assist in the resolution of pending issues between me and Seterus in order to avoid foreclosure. I never heard back from Seterus rep nor atty who set up conference call. A copy of emails will be uploaded. Instead, on XX/XX/XXXX, one week later, foreclosure civil action was filed against us. A copy of the Complaint will be uploaded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-15
Succasunna, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-14
Morristown, NJ
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
2017-10-13
Madison Park, WA
Struggling to pay 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
2017-10-13
Fresh Pond, CA
Trouble during payment process
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
2017-10-12
Flushing, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Why Seterus is allow to defraud people. Ten they lie to them and later of they send very expediencies mail via XXXX in order to show there incompetence and arrogance. In my situation I have the feeling that in order to show how incompetence when they flash spending shareholder money by sending very expensive XXXX in order to show arrogance when they cover up abuses. I will not be surprise to learn that some o the money are from stolen private property inside the house foreclosed temporary in a illegal meaner.
This is a company that should never be allow to operate, Please see the case below to see their real activity, Please see this case since this is what they are doing to American people DEFRAUD THEM, vandalize their property, theft and cover up by lair like XXXX this most incompetent legal adviser that lie to people.
Consumer Class Action Lawsuit Against Seterus Call Us At XXXX Whats The Case About?
Our firm, XXXX XXXX XXXX, is litigating a class action on behalf of property owners who entered into a mortgage loan transaction that was then transferred or sold to, or for which the servicing rights were acquired by, Seterus, Inc. ( Seterus ) and were charged late fees related to payment. The lawsuit, entitled XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, is currently pending in XXXX XXXX XXXX XXXX XXXX, Case No. XXXX. The lawsuit alleges Seterus engaged in the following unlawful conduct : improperly holding mortgage payments and then charging late fees and failing to timely process mortgage payments and then charging late fees.
Seterus , Inc . Suspense Account and Threats May Violate the Law XXXX XXXX, XXXX is currently investigating complaints of unlawful acts committed by Seterus , Inc. in connection with the collection of mortgage payments. Seterus is a mortgage company servicing XXXX XXXX mortgages that is owned by XXXX. Some of the mortgages that are acquired by Seterus can be very old and have unique terms and conditions in their deed of trust that need to be followed by the mortgage servicer. We do not believe that Seterus or many other mortgage servicers ever review your mortgage loans or deeds of trusts prior to attempting to collect mortgage payments. Because these mortgage servicers do not review your important documents, they can easily run afoul of state or federal debt collection laws.For example, Seterus utilizes a suspense account in collecting on debt. If someone does not make what they allege to be a full and complete mortgage payment, Seterus applies your funds in a suspense account instead of applying the mortgage payments to the loan. Seterus use of a suspense account may be in direct contravention of your deed of trust. If a mortgage servicer has placed your hard-earned money in a suspense account, contact our firm today to discuss your rights.
Another practice Seterus utilizes is aggressive threats to accelerate its customers mortgage loans. If Seterus accelerates a mortgage loan, it means the borrower is required to pay off the loan immediately. A typical default and acceleration letter of Seterus states : If full payment of the default amount is not received by us in the form of a certified check, cashiers check, or money order, on or before the Expiration Date, we will accelerate the maturity date of your loan and upon such acceleration the ENTIRE indebtedness of the loan, including principal, accrued interest, and all other sums due therein, shall, at once and without further notice, become immediately due and payable.
Seterus use of acceleration and foreclosure threats may violate the Fair Debt Collection Practices Act and North Carolina Collection Agency Act. The FDCPA states that a debt collector may not use any false, deceptive, or misleading representation or means in the collection of a consumers debt. Seterus, sends these collection letters to scare its customers into making mortgage payments. Mortgage servicers want to avoid accelerating and foreclosing on a persons house not from any sense of good will, but because it would cost them a lot of time and money. Ultimately, Seterus threatens to accelerate and foreclose because it is aware of how terrified its customers are of this result.
If you are having issues with other companies besides Seterus, take our free two minute survey to see if we are investigating some of your other issues on behalf of consumers like yourself.
In my situation the stole and clearly encourage criminals to defraud inside my property before the Sheriff gave temporary the deed of the property. Was my property is my property and permanent for the next 200 years will be my family 's property and this lair XXXX there is nothing he can do to stop this expect pay the {$260000.00} or face criminal charges and {$5.00} XXXX legal case against this lair XXXX and his mother.
Around {$260000.00} stolen, damage v=vandaluze private property not part of any mortgage Their legal lair adviser XXXX try to cover upo but this time will never work Oce I get my poroperty that will be very soon this laier go toi prisom
Company Response: Closed with explanation
2017-10-12
Detroit, MI
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I bought my home initially in XX/XX/XXXX. It had been abandoned for 7 years prior to my purchasing and not so much as even a working toilet in it at the time. Through XXXX via construction loans I updated everything and made it livable.
InXX/XX/XXXX I received a {$240000.00} 30 yr fixed loan from XXXX XXXX XXXX, that would cover my property and construction costs.
I had lost my job in XXXX at the absolute bottom of the housing and credit crisis and took out a home equity loan to pay off all my debt and give myself the money I would need for living expenses until I was on my feet again.
By XXXX I had contacted XXXX perhaps 60 days past due on my mortgage. As part of the Government 's Bail Out package, I think it was referred to TARP, XXXX XXXX bought back my loan from XXXX. Soon after, XXXX XXXX had a loan Service Provider Debt Collections Company named XXXX XXXX XXXX handled all aspect of my loan. I began inquire as to the programs under the Help for Homeowners. In my initial calls to Seterus I was told that I was not delinquent enough yet for them to be able to offer my assistance. My 60 days past due would turn to 90 days and there I would be counseled that I needed to go to 120 days past due. As the weeks and months passed with constant inquiry and communication with XXXX XXXX I would eventually be told that I qualified for a loan modification and asked to be patient. In the meantime I was told to not make payments and not to worry as the process may be slow but will get done.
In XX/XX/XXXX my loan modification was complete. I was disheartened to see that they were offering me a 40 year mortgage loan, but my home had gone so delinquent that if I did n't accept it, I would lose my home to foreclosure soon enough. Broken down were the initially lower payments with an increasing interest rate over time that would eventually remain fixed. I signed these documents and had them notarized and sent them back to Seterus.
By XX/XX/XXXX I had gotten my first mortgage bill. On it there were some {$2600.00} in charges and fees on the bill that I did not understand why they were there. Over the next months I would repeatedly call, perhaps 6 or maybe 7 or more calls initially asking, then pleading for someone to call me back, then demanding to know what these charges were. Never once was a phone return or inquiry acknowledged. On one such call expressed vehemently I told the phone representative explicitly that not a penny or my mortgage payment should ever be taken from to be used to pay these previously undisclosed charges. I was assure that Seterus would not take from my mortgage payment once cent to pay these charges and that they would be applied at the back end of my mortgage and that no interest ever be charged nor added to them.
Having tried as many as I could, Life would take over and new demands and priorities would insist on attention as they would for us all.
Since signing the Loan Modification inXX/XX/XXXXI was never even so much as late for another payment. That is why when I received a bill I believe in XX/XX/XXXX and saw some {$480.00} in charges due in addition to my monthly payment that I did not recognize, I would once again call Seterus. The representative could not explain these charges other than to say " it looks like something we paid on your behalf. '' My property tax and homeowners insurance were escrowed so how can that be? She searched her system and said that they look to be charges from XX/XX/XXXX. I asked " For what? '' She could not answer. I asked " Why 2 1/2 years later is Seterus Billing me for something that they ca n't even explain? '' She could n't answer and told me that I would have to write into Seterus to get an answer. When I explained to her that I had done that before with the unknown charges above, no one so much as even acknowledge receipt of my letter, or calls, and multiple inquiries. Frustrated I end the call and wrote to Seterus for an explanation of these charges.
Two weeks would pass between the date they received my inquiry and their response. They had sent me a boatload documents, far more than I had ever gotten from them. There within a breakdown of those initial {$2600.00} charges along with the words in their letter " Highlighted fees assessed after loan modification was generated ''. Blow away they had admitted as much in writing I thought this was a bad faith agreement, with them never disclosing these fees at signing. I continued on with the documents. There it became apparent that what Seterus had told me that " They would not and could not do '' they did. They had been taking money out of the mortgage payments I was making to reimburse themselves for these fees they never disclosed, and the {$480.00}, was the remaining out still owed.
If only that were the worst. There in the documents I would see a loan amount of {$270000.00}! What! Somewhere in the pages of documents I would see something that referred to {$50000.00} being added on to the back end of my loan labeled in a term I did not recognize. Are you kidding me?
In my mind I wondered how it was possible that someone could start with a {$240000.00} 30 yr fixed loan. Make 3 years worth of payments on it. Go perhaps 1 year without making any payments, and then make 6 1/2 more years worth of payments and have their mortgage increase. let alone so significantly!
Seterus has never once return as much as a single phone call in the almost 7 yrs they acted as my mortgage service provider. Within one weeks times of receiving these above mentioned documents I would then receive a notice of a Servicing Transfer to a company called XXXX XXXX XXXX. My initial calls place to them in early XXXX I would find they had not yet received all of the details on my mortgage to answer the many questions I had.
Today, XX/XX/XXXX I spoke with XXXX XXXX at XXXX XXXX at XXXX for an hour and agreed to have the conversation recorded. As we spoke I came to learn even more new things, like a charge for fees on the first statement I received from them totaling some {$420.00}. In his search XXXX told me these fees had transferred with the loan from Seterus and they were most likely the same very fees I inquired in writing about in XXXX. I expressed my deep reservations about making so much as another payment on a debt that I considered to be mortgage fraud. I also said that I not comfortable not making my mortgage payment as twice now in these recent inquiries I was being told that the original Seterus Rep should never had told me to not make payments on my then Chase mortgage that i could qualify for a loan modification agreement. I told XXXX I did not want a single penny taken out of any payment I may make with his company to pays these undisclosed and not agreed upon fees. He said " XXXX XXXX can not, does not and wo n't deduct from my mortgage payment to pay these fees. I responded by telling him that is exactly what the Seterus Rep had said to me somewhere in my many phone calls.
I paid two mortgage payments today and am current and in good standing as I have been.
I never ever would have agreed to this loan modification had these terms, fees, and back end {$50000.00} whatever term they want to call it were disclosed to me. Housing has rebounded and with my current total mortgage value now at {$250000.00} I can not refinance, and though I have tried repeatedly to do so under HARP, I was told that because I do not have a mortgage company, but merely a loan servicer provided, noone could help.
I am hopeful someone at Consumer Financial Protection Bureau can.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ph # XXXX SS # XXXX Seterus Loan # XXXX XXXX XXXX loan # XXXX
Company Response: Closed with explanation
2017-10-11
Newark, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: I started a Loan Mod with Seterus and I also applied for hardest hit fund. I Luckly got accepted for Both. I signed Paperwork and Seterus took the money and used {$6000.00} and sent it back to Hardest hit Fund. Saying they couldnt use the fund but took {$6000.00}. And then sends me a letter saying i owe {$1500.00} in escrow money. When hardest hit called they said i do n't owe anything.
They took XXXX and created a Deferred Principal Balance to be paid at the end of the Loan. When they could have used the hardest hit fund to the Principal.
They told hardest hit fund they could n't use the help and now they are asking me for the money.
Seterus is running a scam to overcharge customers. House is not on the Fair Market Value. Fair Market Value of the house should be XXXX.
Company Response: Closed with explanation
2017-10-10
Charlotte, NC
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
2017-10-10
Cape Coral, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-09
Arvada, CO
Struggling to pay 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
2017-10-07
Flushing, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-06
Bedford, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I filed for a Loan Modification in the month of XXXX XXXX. I only received 2 denials by letter when I was told by one guy there on the phone there were over 25 programs and surely, I qualify for one. I was also told that they were easier to get a loan modification from than XXXX. On XXXX/XXXX/XXXX, I called them and asked what was going on totally expecting to get a lone modification. I was informed I was denied. I was then told that they felt I could afford the house.
I HAD PROVED THAT AFTER THEY RAKED ME OVER THE COALS IN SEVERAL VERY HEATED CONVERSATIONS WITH MY INCOME. THAT THERE WAS NO HARDSHIP BECAUSE I COULD AFFORD THE HOUSE SO THEREFORE NO LOAN MODIFICATION. I HAD BEEN IN 2 WRECKS WHICH I SENT THEM ALL THAT INFORMATION. THIS WAS A 49.3 MINUTE PHONE CALL ON XXXX @ XXXX, WHERE I ARGUED WITH THEM. MY HOME WASNTHEN SET UP FOR FORECLOSURE ON XXXX/XXXX/XXXX.
I FEEL I HAVE BEEN DISCRIMINATED AGAINST, AS A SINGLE WOMAN TRYING TO KEEP MY HOME.
I WAS BERATED AND TOLD I COULD NOT AFFORD MY HOUSE SO NO LOAN MODIFICATION. THEN I PROVE I CAN AFFORD IT AND I AM STILL DENIED.
I HAVEN BEEN DENIED ALL HARP AND/OR HAMP WHICH EXPIRED IN XXXX. I WAS ALSO DENIED THE PRINCIPAL REDUCTION MODIFICATION PLAN OFFERED BY FANNIE MAE.
I was denied a loan modification of any kind, loan reduction, Principal reduction, balance forgiveness and loan term extension. I have been put through XXXX, ruined my credit by filing bankruptcy to keep my home over and over. The stress has affected my health and I was still healing from the wreck. I am on pain meds and muscle relaxers daily. Instead of offering me a solution they put my house for AUCTION and they blamed it on Fannie Mae and it was their decision, THAT I WAS NOT APPROVED.
My loan PAYMENT WAS RAISED SEVERAL TIMES ON AND OFF WITH NO NOTIFICATION.
I would also like a review of what is owed. They sold it when it was scheduled for auction on XXXX/XXXX/XXXX. I was never notified of the cancelled auction.
In have no family, but my children. This is my home. My credit is ruined. Im severely stressed. I HAVE BEEN ON A ROLLER COASTER WITH MY HOME AND AM NOW IN BANKRUPTCY AGAIN BECAUSE THEY SOLD IT TO XXXX XXXX.
THESE EMPLOYEES AT XXXX AND SETERUS GET PAID BONUS FOR GETTING PEOPLE OUT OF THEIR HOMES. XXXX ALWAYS TOLD ME THAT IT WAS ALL FANNIE MAE 'S DECISION AND NOT THEIRS. EVEN THOUGH XXXX TOLD ME THEY PUT IN THE INFORMATION IN THIS HUGE MACHINE/APP AND IT FIGURES IT OUT BUT TAKES 30 PLUS DAYS. I ALWAYS WAITED ON PINS AND NEEDLES WITH BOTH XXXX XXXX XXXX AND SETERUS. I HAD TO GO THROUGH ONE BANKRUPTCY BECAUSE XXXX UPPED MY PAYMENT {$XXXX} RIGHT AFTER I SIGNED THEN LOAN.
I HAVE BEEN TERRORIZED FOR THE LAST 4 YEARS AND SUFFERED THROUGH LAST 9 TRYING TO KEEP MY HOME.
THERE NEEDS TO BE NEW LAWS TOO MANY LOST THEIR HOMES AND WERE TREATED UNFAIRLY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-06
Sparta, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-10-03
Doral, FL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-10-02
CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Seterus has an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX.
However they ask for insurance once a year, and after receiving the insurance policy as proof, they still continue to send letters asking for the same info.
After the 2nd letter they start charging you for their insurance.
This insurance company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX.
If you call you are sent to a call center, and are told they have no knowledge of your account.
We regret purchasing a loan from XXXX XXXX XXXX who sold it to XXXX, who sold it to Seterus, which is actually a collection agency.
Our loan number is XXXX.
Thank You XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-10-02
Brookfield, WI
Trouble during payment process
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
2017-09-30
VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Seterus stated in its letter dated XXXX XXXX, 2017 that " in order to make a payment by phone your loan must be in good standing ''. Is this an old policy or a new one? If it is an old policy, have you stated in any of the documents you supplied to home owners? Please answer YES or NO. If it is a new policy, when did it go into effect? Please give the date.
Please save me from long responses without answering the question.
Company Response: Closed with explanation
2017-09-30
Century City, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-28
Santa Ana, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: In XXXX my husband and I purchased a home in XXXX, The mortgage went thru XXXX XXXX XXXX. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO quick claim deed executed. In XXXX my ex-husband remodified our home loan with Bank XXXX XXXX without my knowledge, consent or signature. The signature page on the mortgage paperwork has a line for my signature but my signature it not on the paperwork. The loan was changed from a 30 year loan to a 40 year loan without my signature.
The mortgage loan on our this property has since been transferred to Seterus Inc.
XXXX XXXX XXXX wont talk to me because the mortgage has been transferred to Seterus and Seterus says that they are not responsible because the remoificatation took place with XXXX XXXX XXXX.
I am now being held financially responsible for a 40 year loan that I did not approve or sign for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-09-28
Flushing, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-09-27
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was paid
Company Response: Closed with explanation