Seterus, Inc.

2016-02-25

Arlington Heights, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-25

CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My home loan is with Seterus Inc. Because I was late on an HOA fee of {$25.00} a debt collector auctioned my property for {$20000.00} to some straw buyer the collectors office attorney created just to steal my property. This all happened on XXXX XXXX, 2014. Seterus has played ignorant when in fact they knew what this Collection agent did to me instead of helping, they send their attorney ( XXXX, XXXX & XXXX ) into the court house to start foreclosing on me. I have been foghting for the rights to my title to be returned to me for 2 years. Now that XXXX, XXXX XXXX XXXX attorneys want to leave the case and decided to name one of their buddies as a substitute attorney for their fraudulent conveyances and fraudulent acts they have committed against the title to my property. SETERUS, is the worst servicer, they claim that I am in default however they never tell you your rights under the Federal Fair Debt practice act, they are unprofessional and without knowledge as to even who the lender on the deed of trust is. When I ask them who the lender is they state that the lender is XXXX, which is incorrect. I have also asked them who this new attorney was, that claims to be the attorney for Seterus, he goes by the name of XXXX XXXX, of XXXX attorney at law.Sererus claims they never hired this attorney to represent them. They do n't seem to know who this person is. My great concern is that this XXXX XXXX, is the one answering all this complaints in this portal and yet will not provide a copy of the retainer agreement. I have also asked for the copy of the note for my loan and to this date nothing has been mailed. I want XXXX XXXX, to no longer respond to my requests here until a retainer agreement is mailed to me for proof of representation. I have also noticed that SETERUS, made themselves the beneficiary of my deed of trust however no one allowed them or nominated them. After they made themselves the beneficiary they then gave that right to XXXX without any right or authority. Seterus, is in complete denial of what they themselves allowed to happened to the title to my property, I informed them what was happening when the collector was threatening foreclosure over a debt they inflated from {$50.00} to XXXX on purpose. Seterus lied and told me that a debt collector can not take the property and now that they removed my name, Seterus is being compensated by XXXX, while they have treated me very poorly. They have purposely sent their crew of attorneys to take my home and claim I have missed 2 years of payments, I will not pay a home where my name has been purposely removed from title by monsters, corrupt even attorneys. SETERUS, knows what is going on and yet continues to ask I have not been paying my loan. They are placing erroneous charges onto my statements and someone in that SETERUS, is manipulating my mortgage statements and pocketing money. Their is a XXXX XXXX, that works their possibly a relative of XXXX XXXX, perhaps committing some type of fraud. I am extremely upset with this SETERUS, they are not conducting themselves as a debt collector and should be shut down, the call center is a joke, no one there has an idea how loans work or even how to answer your questions. I believe this SETERUS, has been taken over by some corrupt attorneys engaged in some serious fraud.My call appears to be routed to a call center that is not connected to any real loan servicer.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-25

South Florida, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Seterus continues to mail letters stating I am responsible for a debt discharged in Bankruptcy Court 3 years ago. I filed a complaint in XXXX XXXX and the company agreed not to contact me however they continue to do so. Further Seterus admits in the enclosed documents that they are sharing my private financial information with their affiliates. They also sent me paperwork via XXXX overnight stating that I need to fill out mortgage loan modification forms. I have documentation going back to XXXX from Seterus trying to reaffirm this loan, which is in violation of the Federal Bankruptcy Court ruling in my case.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-24

Stephenville, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-24

Phoenix, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I sent Seterus Inc a letter on XXXX XXXX, XXXX asking them to relinquish my escrow agent which they have grossly mismanaged and asking them for reversal of misapplied fees which originated through their mismanagement in XXXX. I have n't received a response as of today XXXX/XXXX/XXXX, over 5 weeks ago. I already had to make my XXXX mortgage payment to include the escrow impounds and XXXX XXXX is approaching when again another payment is due. At the time I requested this on XXXX/XXXX/XXXX my escrow account had a positive balance of {$92.00}, see attached XXXX statement. Now on the XXXX statement I show a negative balance of {$150.00}. This is because they again incorrectly made a payment to the new hazard insurance company even though I sent them a letter on XXXX/XXXX/XXXX telling them I was changing insurance company and I was going to pay for it directly myself outside escrow. I stated they were NOT to make a payment to the insurance company and they did, causing my escrow account to be deficient again. I have been told by XXXX, the new hazard insurance, that they have returned the funds to Seterus and that she got confirmation that they would be reapplied to my escrow, but I do n't see it in my account as corrected. XXXX will be withdrawing from my bank account directly the insurance monthly installment and I do n't want to pay twice for it by continuing to pay into my escrow account. I need expedient attention to this matter by Seterus. Last year it took them a whole year to fix my escrow and I still do n't know if they reversed the fees they charged. I really ca n't wait to get rid of this servicer. If ever I get another loan with Fannie Mae I will make the mortgage company sign an affidavit prohibiting my loan from being serviced by Seterus. Fannie Mae needs to move my loan to a different servicer please. I do n't have time to waste with this company
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-24

NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I called Seterus as I did get a late letter notice. But I also wanted a detaile escrow statement for 2015 with all payments & the breakdown of my taxes and home insurance. When I called, I was connected to XXXX and he found my payment was in escrow, not sure why. But I also asked him for this detailed printout. I had to call him back with my loan number and I got XXXX XXXX. Needless to say, this young kid was not only rude, he talked over me and all I wanted was this printout which I am entitled to. I have had several issues with Seterus in the past but I have been ahead with my payments in the past years, even paying more on principle. So my request should not be something that causes a customer service rep to get nasty about. This was on XXXX XXXX of this year and I have yet to receive my escrow printout.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-23

Hornell, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-23

Allen, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-23

Carteret, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-23

IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I recently paid off my mortgage loan, ( XX/XX/2015 ). I have yet to receive a release of lein. I have called the servicer, SETERUS, several times and continue to be told it will take 7-10 business days. It has been 4 months!!!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-22

Rockford, IL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have been locked out of my mortgage account on line. I no longer receive paper statements. When I log on I am directed to a homeowner 's assistance page that will not allow me to have access to my account. I am current on my loan. I have called several times to resolve the matter. Each time I am assured that the matter is resolved and then I wait a couple of days and I am still locked out of the account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-20

NH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I was refused principal reduction by seterus inc on behalf of XXXX, and instead was modified with forged documents ( I never signed the modification ) adding 14 years to my obligation as well as thousands of dollars added to the principle. throughout the last couple of years I have been harassed, trespassed against, belittled, disrespected, mislead, directly lied to ( with material evidence to prove ), by agents of XXXX and seterus. my loan would qualify for the settlements with XXXX but I was XXXX with the airborne so I was protected from foreclosure by the SCRA, XXXX could hide the loan from the reviews, XXXX also was fully aware of the tumult situation I was facing do to being on orders away from the home and forced to rent it at a nearly XXXX % deficit throughout my service as well as after discharge since it was rented to a XXXX couple who have XXXX young children and I could not evict them. I have been shaken to my core by the derelict conduct of seterus, XXXX, NH governor, our NH federal representatives, organization who look only at the barrower with no attention to the impacts of other markets having fluctuated to negativity impact mortgage situations. What a freakin joke to say we are free, free to be financially enslaved by tyrannical companies that government is in XXXX bed with????? it 's such total XXXX that now XXXX is falling out of websites like yours that offers " help '' and out of the mouths of our public and private leaders. Prove this combat veteran wrong, restore my faith in this democracy by bringing swift justice to seterus by revoking the charter that gives these despots life and protection. I must be a fanatical patriot, an extremist, to say such things you may think but I say you must be mentally handicap to not see our country being steamrolled by foreign interests and A-moral business practices.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Loveland, CO

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Clarkesville, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Inkster, MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-19

Niverville, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Briones, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Cedar Rapids, IA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My home is going to be sold XXXX/XXXX/XXXX. I have been unable to get a modification for several years! I was in so many words, duped and a victim of predatory lending! My loan has changed more times than I can count. I worked seasonal for over 10 years and asked for a modification for my lay-off months and was ONLY adjusted by {$100.00}! In XXXX I became ill with XXXX and lost my job due to DOT requirement 's! I was Still UNABLE to get and adjustment or modification! I was paying {$900.00} for a XXXX bedroom that was listed as a XXXX for 6yrs. When they were notified NOONE seemed to do ANYTHING on my behalf! I just had to BITE the difference! Having SERVED my country, I now wonder several thing 's about the treatment of it 's veteran 's. If NOTHING ELSE, EVERY veteran SHOULD OWN A HOME!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My servicer of my mortgage is Seterus. As of XXXX XXXX, they paid the wrong hazard insurance co. XXXX XXXX, in the amount of {$1700.00}. I contacted XXXX XXXX of the error, and they sent me a check in that amount. I was told to send this check back to Seterus. from an agent from Seterus who told me to send this check to an address in XXXX Co. I was told later that was an incorrect address. I wrote on this check for Escrow Account only!!!!! since my escrow account had a minus amount at that time due to this payment to XXXX XXXX. Then this check was wrongfully put on my loan balance. I have continued to make calls to Seterus to try to get this issued resolved. They give me the run-around, like my XXXX payment was sent back to me, NOT!!!! and a reversal, was done NOT!!!!!, OR I would have to HAVE ANOTHER analysis of my ESCROW, which would also be delayed. Seterus owes me {$890.00}, out of the check I sent them, and they continue to raise my payment, they say because my escrow had a minus. Seterus has sent me a letter stating my loan payment had a balance of - {$1200.00}. THIS IS WRONG AGAIN. I TRIED TO AGAIN CALL, to resolve this mistake, nothing was done again.Then came a letter from them stating I did n't owe a payment until XXXX. WRONG again!!!!! What do you have to do to get a resolution from them? They say my payment this month for XXXX XXXX is {$670.00}, which was also paid for XXXX XXXX. for that amount. My payment should be {$600.00}. I have had numerous issues with Seterus since my loan was transferred from XXXX.The same problems exist always. I pray something will be resolved, my money returned, and my payments to return to the correct amount.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-02-18

Fort Mill, SC

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Chaska, MN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

City Ranch, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-18

Ferndale, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Seterus XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX CA XXXX The short sale was started XXXX/XXXX/2016. An authorization and short sale package was submitted to Seterus. Seterus has been rejecting our authorization and would not explain to us the problem. I called in again today on a conference call with the homeowner, and found out that Seterus added an attorney as authorized third party. The homeowner then requested that the attorney be removed as an authorized third party, as he was no longer working with them. The rep we spoke to, XXXX stated that the homeowner does not have the authority to remove the attorney as an authorized third party. She stated that the attorney is the only one that can remove themselves as an authorized third party. At this point it is important to note that the attorney was not authorized on the account as part of a bankruptcy or any legal action of any kind. So, basically, the Seterus rep, XXXX, stated that the homeowner does not have the legal authority and ability to remove the attorney as an authorized third party from their own account. ... .. SERIOUSLY? ... .... WHEN DID THE HOMEOWNER LOSE RIGHTS ON THEIR OWN ACCOUNT? Seterus will add ANY attorney to ANY of their clients ' accounts as an authorized third party and further damage their own client by giving that attorney COMPLETE AUTHORITY on the account. Seterus is giving an attorney the power to supersede ANYTHING the homeowner says, and the attorney can basically do whatever they want with the homeowners financial and mortgage obligations and the HOMEOWNER has NO SAY WHATSOEVER ON HIS OWN ACCOUNT. HOW CAN THAT POSSIBLY BE LEGAL?
Company Response: Closed with explanation

Disputed: Yes Timely Response