Consumer complaint received 2017-08-15
Company: Seterus, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I received a letter, dated XX/XX/XXXX from the attorney who is now trying to file a foreclosure action against me. This is a copy of the letter and request that was sent to the judge. This action is for the first mortgage on my home which I occupy. I was divorced in XX/XX/XXXX and with the downturn in economic conditions I contacted the current first mtg holder and requested a modification through the federal programs that they said were available. This was XX/XX/XXXX. I submitted the requested information and went through several " stages '' of approval. I was told that I was in the final stage of approval, when in XX/XX/XXXX ( XX/XX/XXXX. i think ) I was served with foreclosure documents on my home. When I called the bank I was told that they could n't do anything to help. I had the money on hand that they said I would need to complete the modification, but the representative for the bank told me not to pay until modification was completed. After this I went into " panic '' mode because my house was scheduled to be sold by foreclosure sale on the courthouse steps. I contacted an attorney who suggested filing bankruptcy, which I did. This stopped the foreclosure. The bankruptcy court made me give up other properties in order to save my house. Later that year the bankruptcy was dismissed. Soon after this i received communications from another attorney who now represented the first holder and my attorney and I began the modification process once again. I submitted all of the requested documents and we waited, and waited. My attorney periodically would send emails asking for updates, then letters, as well. I have n't had any direct communication with any of the first mortgage holders since before the bankruptcy was dismissed. The next communication received were several notices of changes of attorneys for the bank. I think that they have changed attorneys 4 or 5 times since XX/XX/XXXX. Then in XX/XX/XXXX an appraiser called me to do an appraisal for the bank. Shortly after that I had inspectors from the bank making monthly appearances to take pictures of my home and ask if I still lived there. When the first one came I asked what he was doing and he told me. I asked if he was from the bank that I thought had my mortgage and he informed me that another financial entity ( which I had never heard of ) now had my mortgage. When this transfer occurred in XX/XX/XXXX I nor my attorney were notified. I had no idea that my mortgage had been sold. Finally after several more change of attorneys for the bank on XX/XX/XXXX someone delivered notice of right to foreclosure intervention. This was delivered to my XXXX yr old daughter who thought it was some real estate information and laid it on the counter. I did not find this until several weeks later and she said that the man had a local real estate shirt on and did n't say anything except " XXXX ''. I again panicked and called my attorney. I completed the request for foreclosure intervention and attempted to fax it to the numbers provided, but the fax would n't go through. This was on XX/XX/XXXX. The following Monday I sent a certified letter to the attorney ( at that time ) with all of the information requesting foreclosure intervention. In XX/XX/XXXX I received some documents form the attorney ( who now I realize is n't the same attorney from XX/XX/XXXX and I was n't notified of this change ) information about their attempt to foreclose on my property which had dollar amounts that they said was owed. I requested an accounting because I was concerned by the " new '' amount. On XX/XX/XXXX I received an email confirming the receipt of my request. I did n't have any further communication from them until XX/XX/XXXX when I received a package in the mail from the current attorney with many pages of numbers which are hard to make heads or tails out of the information. I did n't even have any time to decipher that information when I received the letter which now has been sent to the judge requesting the foreclosure on my house because it said that I did n't send the Intervention request. I did n't realize that they had changed attorneys once again. I have been trying to work things out so I can attempt to put my house on the market later this year and be able to sell it and pay my creditors. I have a good relationship with the second mortgage holder ( which has allowed me to resume making regular scheduled payments ) and they have said that they are willing to work with me. Again, I was never notified that the current bank nor anyone from the company who services their loans has ever contacted me. I have been trying to save my house. Please help me get some answers. Any information need to support any of the above dates or other things will be provided when necessary. Some dates are approximations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation