Consumer complaint received 2015-08-30
Company: Seterus, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : My name is XXXX XXXX and I own a property located at XXXX, IL XXXX. This property is being mortgaged and the servicer is Seterus , Inc . I am shocked and appalled by information I just learned about my property being in foreclosure and I had been trying to find out more information and to get a reinstatement letter from Seterus since XX/XX/XXXX, but have not been successful until this week, which I believe is unfair and puts me in an adverse financial position to lose my home. 
I have been corresponding with a woman named XXXX XXXX, who works in customer service at Seterus. XXXX XXXX has been like a light at the end of a very dark and bleak tunnel for me because she told me that my house was in foreclosure and had been trying to get a reinstatement letter for me to reinstate my mortgage, since XX/XX/XXXX. XXXX XXXX told me that my mortgage had been in foreclosure since XX/XX/XXXX, to my disbelief, because I had never received any notice of foreclosure or an acceleration letter or anything from Seterus and I had been able to pay my mortgage for some of the months since XX/XX/XXXX. 
To be honest and fair, I had been behind on my mortgage during XX/XX/XXXX because I had had issues where my employment fluctuated and I had become unemployed. During those times, I paid what I could, which was usually an amount of {$1300.00} to cover my {$1200.00} mortgage payment and the late fee. I could not pay every month, but I tried to catch up the payments as best I could. I submitted a request for a modification in the early part of XX/XX/XXXX and I am unsure whether this was accepted or not. I was able to make some {$1300.00} payments that were accepted by Seterus, but then, when I tried to make a payment in either XXXX or XX/XX/XXXX, the payment was rejected. 
I submitted more paperwork during this time to seek a modification and I gave all of my documents that were required. I had found out that I could be considered for a modification from some paperwork I received in the mail that was asking for me to avoid foreclosure by submitting the paperwork to see if there were options to a foreclosure available to me. This is why I submitted the paperwork. I had no idea at this time that I may have been in foreclosure, since I received paperwork telling me there was a way to prevent foreclosure and that Seterus was to help me with my options. 
I never heard back about whether my request for a modification was accepted or not, but the week before XX/XX/XXXX, I called in to speak with a Seterus representative to see if there was anything else needed for my modification request. I spoke with a woman whom I do not remember the name of and she told me that everything required had been submitted by me, but that I should call back every week to see if there was something needed, so that a decision could be made quick and in a timely manner. 
Week after week I called Seterus to find out if anything was needed for my modification request and I was told that everything was still being considered and that there was nothing more required from me. On XX/XX/XXXX, I called in and spoke with a man named XXXX XXXX, who works for Seterus customer service. During the call, XXXX XXXX told me that I only had XXXX chances for a modification on the kind of loan that I had and that I had already used up XXXX of those modifications. He told me that if I was approved for a modification at this time, that I would not have any more chances for a modification. I asked what my options were and XXXX XXXX told me that I could reinstate the loan and I offered to do this and was expecting reinstatement paperwork to come through the mail. I was told it would take XXXX business days. 
7-10 business days came and went and I never received any reinstatement paperwork. I found out that I am in foreclosure, but being considered for modif

Company response to consumer: Closed with explanation