Consumer complaint received 2018-11-15
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Seterus , Inc . 
XXXX XXXX. XXXX  XXXX XXXX, CT XXXX Re : Loan Number : XXXX Please be advised that I was approved by your company for a Flex Modification on XX/XX/XXXX, and I made the first of three Trial Payments on XX/XX/XXXX. I was incapable of making the second payment because of the following medical reasons : Attached, please find medical records from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX and XXXX, XXXX, ER admission charts from XXXX  Hospital XXXX, dated XX/XX/XXXX, XXXX  notes from XXXX Hospital XXXX and followup consults with XXXX XXXX, XXXX, who performed the XXXX  on XX/XX/XXXX and XX/XX/XXXX. Please note that XXXX XXXX scheduled the XXXX with XXXX XXXX  for XX/XX/XXXX, 12 days after my first appointment, and that the XXXX XXXX ordered a XXXX  on the spot, recognizing I required XXXX immediately. XXXX XXXX should have admitted me to the ER for a XXXX that very day. As a result, the XXXX became XXXX, and I could have easily cXXXX XXXX and XXXX. 

I admitted myself to the ER on XX/XX/XXXX because I could not swollow, and I was spitting out a XXXX from the XXXX that looked like black dirt. Neither XXXX Hospital XXXX nor XXXX Hospital XXXX XXXX had qualified XXXX to treat me, so XXXX XXXX was sent my ER records and XXXX XXXX and I was XXXX to XXXX that evening ( XX/XX/XXXX XXXX and was XXXX on the next morning. Please note that I was in the hospital continuously until being discharged on XX/XX/XXXX, and was subjected to the worst nursing care one could imagine. I lost 24 pounds because of the clear diet and was on a XXXX XXXX until the day before discharge. I was also on XXXX every four hours around the clock the entire hospitalization. I had NO MEANS of making the second Trial Payment, no ability to even write a check or make a telephonecall. ( I had no check book and was virtually unable to talk because of the XXXX ). After being discharged, it took me a month to gain XXXX XXXX XXXX to even XXXX, and two months to gain my strength to even XXXX. 

I have enclosed a copy of my XXXX checking account dated XX/XX/XXXX XX/XX/XXXX, indicating an ending balance of {$1200.00}, which were adequate funds to cover the second Trial Payment. Again, I was INCAPABLE of making this payment, as cited above. 

I was then diagnosed with XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fortunately, the XXXX has not XXXX ( spread ) beyond the XXXX, due to a new medication prescribed by XXXX XXXX XXXX XXXX, at the XXXX XXXX in XXXX, FL. 

I was cleared by my medical team to work, and I secured a job as a XXXX with XXXX XXXX XXXX, XXXX, FL on XX/XX/XXXX. 

Enclosed with the above data, are current bank statements and deposit checks from my employer dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also enclosed a new Mortgage Assistance Application, dated XX/XX/XXXX. 

I respectfully request that I be approved for a Loan Modification. I wish to stay in my home, in which I have resided for 20 years. 


Sincerely, XXXX XXXX XXXX cc : XXXX XXXX Corporate Representative, Seterus , Inc . 

XXXX XXXX Attorney at Law, XXXX XXXX TO : CFPB Please be advised that the XXXX XXXX XXXX XXXX in Washington, D.C. has copies of all the above cited exhibits. My contact there is Ms. XXXX, XXXX, Option XXXX, Ext. XXXX

Company response to consumer: Closed with explanation