Consumer complaint received 2018-10-05
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX, NY XXXX loan # XXXX XX/XX/XXXX TO : Seterus, INC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Or XXXX FAX XXXX & XXXX Seterus, INC XXXX XXXX XXXX XXXX, Tx XXXX ATTN OF : Office of the Attorney General XXXX XXXX XXXX The XXXX XXXX, NY XXXX AND Online at https : //complaint.consumerfinance.gov, www.ag.ny.gov, and others Seterus is a manipulator and a liar. DO NOT attempt to resolve ANYTHING over the phone. Their agents are not there to help you. 

Home owner insurance expires XX/XX/XXXX & renews auto each year for the year. XXXX XXXX XXXX  since XX/XX/XXXX. 
Seterus contacted via letter RE they were not on the Declaration Page. I called Seterus and then contacted my agent/ spoke with XXXX Friday XX/XX/XXXX @ XXXX XXXX re fixing and faxing a new Declaration to XXXX Attn : Insurance Service Center XXXX . XXXX had stated the Declaration page was changed by second lien holder XXXX. 
WTH she did not confirm sending the fax I called XXXX XXXX Monday XX/XX/XXXX and received confirmation email at work. 
Seterus placed forced insurance on me XX/XX/XXXX - I have had same HO insurance since XX/XX/XXXX. ( second lien holder had bumped Seterus off cover - that was corrected and faxed - they denied receipt ). THEN Seterus tried to say the house was NOT in XXXX wanted me to change to town of XXXX. 
XX/XX/XXXX I called, I argued. Lovely woman XXXX went back n forth reviewing and responding. Wonderful! Could not raise the Title group would have to email and wait follow up on Wednesday XX/XX/XXXX. 
XX/XX/XXXX I called to follow up on the XXXX XXXX XXXX XXXX page and spoke with some flip gal ( XXXX ) who could not have cared less. I asked for a supervisor and Met XXXX XXXX sp?. He was going to take over this and take care of the issues and it would take him a few days to track down the title and town issue ect. And would call me back XX/XX/XXXX @ XXXX XX/XX/XXXX - I had a scheduled phone call I was to receive from a supervisor ( XXXX XXXX sp? ) who was supposed to call at XXXX and CONFIRM he did not call. so I called XXXX and I was arguing with the OTHER agent when I was informed that Seterus had performed their Escrow Analyst and shoved up my mortgage payment by XXXX a month to cover said forced insurance. 
XX/XX/XXXX pm - I had XXXX town hall FAX the information regarding the property is IN XXXX, a XXXX of XXXX to XXXX, and please copy me. They did. 
FUNNY THO because Seterus sent a Cancellation Notice BEFORE I even got to XXXX Town Hall I received Seteruss cancellation on XX/XX/XXXX ( no postmark ). 
XX/XX/XXXX @ XXXX XXXX XXXX ( I am trying to keep better track of name dated n times ) the story keeps changing. 
NOW I get a call from XXXX XXXX. I told him I feel VINDICATED. 
XX/XX/XXXX I get a letter from Seterus stating the removal of the forced insurance and returning the funds to my escrow, I thought because Seterus could not deny receipt of the fax, but looking at the dates that was NOT correct. 
Is your head spinning? Because mine is. Do NOT call send faxes and CC I paid my mortgage in XX/XX/XXXX - my normal payment of XXXX plus XXXX additional for a total of XXXX ( SEE ATTACHED ) I paid my mortgage in XX/XX/XXXX - my normal payment of XXXX plus XXXX additional for a total of XXXX ( SEE ATTACHED ) NOW last night XX/XX/XXXX - Seterus has my payment listed as - but no letter or reason for it. Was told they only have to perform an Escrow Analyst once a year which they did for the Forced Insurance. Thus the increase WHICH would go into my escrow. I wanted a letter to that effect placed in my account oh but the agents can not do that. 
XX/XX/XXXX Fri XXXX XXXX, I called my Home Insur Agent XXXX XXXX XXXX mortgage Seterus XXXX on Declaration Page ( was to confirm ) she stated that XXXX had initiated and changed the cover/declaration page.?? WTH?? 
XX/XX/XXXX no follow up called XXXX XXXX XXXX XXXX XXXX XXXX please FAX to Seterus @ XXXX XXXX XXXX email confirmation THEY DID XX/XX/XXXX letter from Seterus RE payment of XXXX from my Escrow account to their Homeowner Insur date XX/XX/XXXX rcd XX/XX/XXXX ( NOTE : there are No Postmarks on ANY of their letters ) XX/XX/XXXX <letter date : Please provide insurance information for : - post mark XX/XX/XXXX. Big beefy letter from XXXX XXXX XXXX stating premium for the attached policy may be charged to your escrow account amount {$1800.00}. 
XX/XX/XXXX ON PHONE w Seterus the person was telling me I had to fix the declaration page of my homeowners insurance I argued at LENGTH with no result. 
XX/XX/XXXX XXXX phone with XXXX  who actually tried to help being blocked by the insurance group - verified orig paperwork stated XXXX gave me fax no and external XXXX XX/XX/XXXX rcd XX/XX/XXXX Lender Placed Hazard Insurance Cancellation Notice Reason : Duplicate Coverage Effective XX/XX/XXXX XX/XX/XXXX Fri XXXX w/ supervisor XXXX XXXX sp? - states customer service has no direct number to the Title Dept to check the town name XX/XX/XXXX CALLED Seterus regarding the BLOWN UP Mortgage ( see attached ) - no documentation. Agent says The payment reflects the amount that the Escrow Analyst developed during the Forced Insurance Amount. They are Only required to adjust the amount ONCE per year. A Request in writing is required to alter it. AND he stated that the additional amount would be placed in My Escrow account XX/XX/XXXX Consumer Fraud / ect CONSUMER FRAUD COMPLAINT AGAINST SETERUS ( Predatory Mortgage Loan Collection, unreasonable, and deceptive Trade Practices. Seterus engages in extortion increased mortgage  Payment ( an additional {$150.00} added to payment without any reason and no explanation XX/XX/XXXX ) and threatening late fees " when I disputed this unexplained increase in mortgage collection fees and costs '' not provided in my mortgage loan ). After all of the flood, fire, tornado and hurricane losses, I feel they are seeking to offset their losses with profits from deceptive charges against properties/real estate owned by minorities, XXXX, elderly and financially disadvantaged Americans with difficulties. 
Seterus - Illegal Escrow XXXX XXXX XXXXXXXX Seterus Reviews and Complaints XXXX XXXX XXXX  0 ISSUES RESOLVED XXXX TOTAL REVIEWS $ XXXX CLAIMED LOSSES $ XXXX AVG LOSS XXXX PAGE VIEWS Sincerely XXXX XXXX

Company response to consumer: Closed with explanation