Seterus, Inc.

2015-09-21

Howell, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

New Orleans, LA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Carson, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-21

Spring Valley, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Property sold on XXXX/XXXX/2015 ... new contact information promptly provided to Seterus within one week of sale as they owe an escrow refund of approximately {$1200.00}. It is now XXXX/XXXX/2015 and still no refund, can not get any clear information as to why ... I 've been told that it was sent to my old address, but despite forwarding it was not received, then was told it was sent on XXXX, not received, then told they had to cancel the check on XXXX but that I could not follow up for 14 days as that is how long it would take to reissue. It 's been greater than 14 days and now I am being told that their process has changed and it STILL has not been issued and that it will now be another 15-30 days to reissue ... but I 'm sure when I call back in 15-30 days I will hear the same thing I 've heard the previous 3 1/2 months. This is ridiculous, if I owed them money for nearly 120 days I would face significant consequences, yet the only recourse I have is to continually call, wait on hold, be told a different story every single time I call. I just want this to be resolved so I NEVER have to call them again ...
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Blmgtn, IN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Lakewood, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Patterson, MD

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Good day. This is additional information in reference to case number XXXX. Since the first complaint filed I am still having issues. Seterus sent me a letter stating the escrow was short and my mortgage payment would increase. A few weeks later they sent a letter of apology about the escrow letter being an error and to please disregard. Shortly after I receive another invoice with an additional {$140.00} attached to it ; I have no idea what this is. And last week I received a letter stating they did not have my social security number or a XXXX on file for me and sent a XXXX form for me to fill out. I have no idea what is happening with my account with this company but I am praying that someone get to the bottom of this.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-20

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: For past 3 years, have been jerked around first from XXXX to Seterus. We fell behind mortgage payments, had to move out of house for major repairs on first floor due to Hurricane XXXX. XXXX promised to do loan modification. It took forever to process, many documents. Wasted time. Papers were lost and resubmitted again and again by us. Loan mod was much too high for us. Now we are dealing with Seterus. No help there either, nothing. After XXXX loan mods we refused the third XXXX and the fourth and fifth XXXX. The past amounts were nothing we could afford. Even a blind man could see that there was no way we were getting an affordable loan mod even if we filed XXXX loan modifications. I had to stop working XX/XX/XXXX. Money became almost non-existent. Nobody can or will help us. Spoke to many agencies, lawyers. Nothing. Can we now do a short sale? And will we be held liable for the difference if the amount of the sale is lower than what is owed on the house? I ca n't get a straight answer. Is there any sign of intelligent life out there? House is for sale XX/XX/XXXX and current realtor has not been able to get a buyer. Nobody shows up for any open houses. The house is in excellent condition because we spent time and money on it. We will leave the house XX/XX/XXXX. We are done here and I understand these mortgage companies do n't care. But knowing we are XXXX they have proceeded to treat us like immigrants who lack intelligence. By withholding info we needed and the delays, everything fell down the tubes for us. Nobody at XXXX or Seterus cares about homeowners. That 's evident to me. They have a bad rap. That 's what I hear all over town!! Somebody needs to do something to make sure others do n't experience the same situation as we have and lose their home where they paid mortgage for 22 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-19

Rockville, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-19

Jacksonville, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-19

Bakersfield, CA

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XX/XX/XXXX we apply to Keep Your Home California for a Reduction of Principal Balance of my mortgage. We got approved on XX/XX/XXXX for a Reduction of or voucher of {$75000.00} towards the Principal Balance of my Loan with Seterus Mortgage. Seterus Mortgage received the amount of {$75000.00} from Keep Your Home California Relief Program, around XX/XX/XXXX or XX/XX/XXXX, since then we have encounter a delay from SETERUS to apply to amount to make the modification or our Loan with them, we called them and ask them and they have a very unprepared employees working for them they do n't know how to help us to resolve what is happening with the money that they get from the State to help us out, but they assure us that the money is there is just waiting to be allocated in the Loan. In the meanwhile calls and calls from the Collection Department to collect the money that they not even know why we own the money to them. It has been a very hard process for us because the suppose to send us the package that we need to sign and they forgot to send it to us at the end. And this happened a couple of times already and still they do n't have the Loan fix yet. The {$75000.00} is still in their position waiting for them to work and apply it to our Loan. We are very stress out with this, they had lost our paperwork a couple of times as well. We do n't know what to do anymore.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-19

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was discharged in bankruptcy
Complaint: Seterus Inc is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Evanston, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-18

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Santa Ysabel, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Seterus Inc called my cell phone at XXXX on XX/XX/2015, while I admit I am late this month since I paid a large questionable audit from an IRS agent named XXXX XXXX, there is no reason to harass me this early in the morning when I have not been late for years on my mortgage. In additional Seterus a cease and desist order in teh past as I fought about this type of stuff years ago.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Mill Valley, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Seterus is now demanding a minimum payment that is more than {$300.00} over my contracted amount. The " servicing '' department has also added more " fees '' to the amount owed on my mortgage. Seterus seems to be indicating that a portion of the payments I have been making ( all complete and made in a timely manner ) is being held " in suspense '' because they have been individually or collectively partial payments, something they NEVER informed me of, despite repeated requests to send monthly statements. They are also continuing to send me mail without my name spelled correctly, so I still am completely unable to communicate with anyone at Seterus either by telephone or writing.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Greenfield, WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Karns, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

South Florida, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: An updated Insurance Policy was submitted to Seterus via fax on XXXX/XXXX/2015, fax confirmation hereto attached. On XXXX/XXXX/2015 XXXX XXXX XXXX Seterus confimred a new policy was not received. On XXXX the insurance policy was refaxed, fax confirmation hereto attached. On XXXX/XXXX/2015 a request for an escrow analysis was made with XXXX XXXX. On XXXX/XXXX/2015 a follow up call was made to Seterus for the status in which we were told it would take 7-10 days. On XXXX/XXXX/2015, we called Seterus spoke to XXXX XXXX XXXX Seterus to follow up on the escrow analysis but would not provide any other identification as confirmation of the call such as her full last name, extension or Agent ID ; who stated an escrow analysis was never ordered and she also advised the conversation XXXX XXXX was with their insurance department XXXX not Seterus so it was not processed since XXXX. She stated the turn around will take another 7-10 days. Seterus ' stall tactics of not performing a proper escrow analysis since XXXX XXXX 2015 for over 2 months is putting the borrower at risk of defaulting.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Please confirm that you and your current foreclosure retained attorneys are debt collectors in relation to their current collection activities regarding my loan. On XXXX XXXX, 2015 and XXXX XXXX, 2015, SETERUS, INC. 's, continued with the foreclosure proceeding by publishing notice of the foreclosure sale through their attorneys. SETERUS, INC. 's actions in publishing the notices of the foreclosure sale while a HAMP or other loss mitigation application was pending, is a direct violation of XXXX and XXXX of the Making Home Affordable Program Handbook and Regulation X, 12 C.F.R. 1024.41 ( g ). I do not believe SETERUS, INC., is taking reasonable steps to avoid an order of sale. SETERUS, INC., has the option of filing a notice of voluntary dismissal to allow the loss mitigation application to be evaluated. SETERUS, INC., was actually forbidden from doing any publications to the foreclosure sale because the publications can cause and can lead directly to a foreclosure sale on XXXX XXXX, 2015. Your foreclosure attorneys have also published the sale of the property on multiple marketing sights like XXXX to insure that the sale of my property occurs which I believe is also an error.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-16

Beverly Manor, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Cumming, GA

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response