Seterus, Inc.

2017-05-18

South Florida, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

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

Timely Response

2017-05-17

Toppenish, WA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-17

Boynton Beach, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

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

Timely Response

2017-05-17

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-16

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

2017-05-16

Wattenburg, CO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: We mail th e Seterus mortgage payment between/on the XXXX on the month since the due date is the XXXX . It is mailed in the Seterus com panies ' envelope along with the payment stub provided b y Seterus. If th e payment is received before the first of the month, the Seterus always applies it to the principle amount of the loan and not the current payment that is on the payment stub tha t Seterus provides to us. This happens on a repeated basis with this mortgage company. Seterus tells me I have to pay it online if I do n't want this to keep happening. I do n't want to pay online nor should I have to be forced to pay online. Seterus called today to say that I have n't paid for this month, which I have ... .Seterus posted the pay ment on XXXX XXXX . When I explained tha t Seterus nee d to reverse the payment, they said no and said that I still owed for the XXXX payment and hung up on me. So my wife called back and she was told that the interest on this loan is accrued quarterly which is NOT TRUE and she knows this is not true. I pay interest every month and it is stated on the statement. I have the right to pay this on time and Seterus should make changes in their system or explained to the human being that opens the envelope and sees the payment stub to apply it to the payment that is posted on the stub it is mailed in on that they receive from us. This keeps recurring, why wo n't Seterus appl y the correct payment on time?
Company Response: Closed with explanation

Timely Response

2017-05-16

Bullhead City, AZ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-16

Chula Vista, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-16

Oxford, GA

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: My mortgage loan was sold to Seterus XXXX XXXX. I went to by a car in XXXX XXXX and was denied a loan. It was discovered that Seterus was not reporting my mortgage payments which caused my credit score to drop by almost XXXX points. I immediately called Seterus and they identified that my mortgage payments were not being report and stated that they would start reporting and it will take 30 to 45 days. After 45 days they were still not being reported and I called them again. I was told that they only report missed payments. I contacted XXXX XXXX to file a complaint and XXXX @ XXXX XXXX XXXXXXXX XXXX contacted Seterus to advise them that they need to correct this by reporting my payments. They advised her that they had problems with there system reporting payments. As of XXXX XXXX they reported to XXXX only and falsely reported that they have had my mortgage since XXXX. The last credit report I pulled showed this and it also showed that the last payment that I made was XXXX of XXXX. This is incorrect because I pulled the credit report at the beginning of XXXX and I paid XXXX, XXXX and XXXX 's payment on time. I am trying to buy a car and move into a new home and this has negatively effected my way of life in a tremendous way.Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-15

Las Vegas, NV

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

2017-05-15

Katy, TX

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

Timely Response

2017-05-11

Green Valley, AZ

Incorrect information on your report

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

2017-05-11

Manhattan, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-11

Ridley Park, PA

Communication tactics

Debt collection: Mortgage debt

You told them to stop contacting you, but they keep trying
Complaint: I have spoken with the mortgage servicer/Debt collected about not contacting me. My late payments were covered by hemap, I mailed them a copy of my letter and I still being harassed and told that foreclosure proceedings have begun.
Company Response: Closed with explanation

Timely Response

2017-05-10

Lakeview, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

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

Timely Response

2017-05-09

Clarkstown, NY

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

2017-05-09

Oxford, GA

Incorrect information on your report

Mortgage: FHA mortgage

Complaint: Hello. I sold the following home ( address: XXXX XXXX XXXX , XXXX , FL XXXX ) last year ( XXXX 2016 ). My mortgage service provider ( Seterus, loan # XXXX ) has not updated the credit reporting agencies with this information and this outdated loan information is now impacting my ability to refinance my current home. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-09

Rockwell, NC

Communication tactics

Debt collection: Mortgage debt

Frequent or repeated calls
Complaint: My loan is being serviced by Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've bee n treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until XXXX XXXX but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactic s ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks o n me is taking it 's toll.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-08

Van Nuys, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I moved into m y partner 's ( not state " registered '' as we were waiting for the federal law to be change d ) ho use with him i n XX/XX/XXXX si gning a simple lease. Mid- XX/XX/XXXX he got very ill and i cared for him and his 4 elderly dogs until his passing in XX/XX/XXXX . i was a beneficiary of the house along with XXXX o thers who have told me when the time comes to probate they will withdraw their names from the will as they felt i deserved to be the sole beneficiary. They still maintain that position. I had opted not to go through probate because of XXXX in errors in his medical billing, which to avoid liens, needed to be resolved first. I had called the mortgage company, Seterus ( anonymousl y ) af ter my partner 's death and asked a " what if '' question as to how someone should handle this situation with them. They said if I could afford to make the payments, just keep doing it and do n't report the XXXX to them otherwise, they would likely call in the loan. I also noticed this was the general consensus online as well. I made about 15 payments until the middle of XX/XX/XXXX I missed one and everything came crashing down. I tried calling everywhere for help and was told since i was n't the homeowner they could n't help me. HUD, Save Your Home California, and so many other organizations shut the door on me. Once the notice of default was received i officially called Seterus and they refused to speak to me saying the only person authorized to talk about that account was the deceased borrow! The week of the auction came around and i tried calling the Seterus again and also the trustee begging them not to go through with the sale. Both asked for copies of the death certificate and will. I sent them to both of them and they both said it w as too late and they could n't help me. The house sold at auction on XX/XX/XXXX at {$150000.00} below market value and the $ 200,000+ in equity my partner le ft to me so i could have a better future was gone.That same day i was visited by a representative of new owners, an investment group, and they tried rushing me out. I have been putting up a fight with them but they finally won their unlawful detainer suit and now awaiting the sheriff 's to lock me out along with my partner s 4 elderly dogs which I 've been caring for. I have nowhere to go, and the money i thought id have for my future is gone. To make matters worse the XXXX ive endured over this hospitalized me twice over the holidays. I learned that after 12 years of maintaining a healthy undetectable XXXX XXXX status, my XXXX XXXX has crumbled and not technically have XXXX . I ca n't believe im about to be sick and homeless over this. This ca n't be how it ends ....
Company Response: Closed with explanation

Timely Response

2017-05-08

Wesley Chapel, FL

Problem with a credit reporting company's investigation into an existing problem

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-08

Conyers, GA

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-05-05

Port Chester, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-05

Baldwin, PA

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

Timely Response

2017-05-05

Lawrenceville, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-04

Manhattan, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response