Consumer complaint received 2016-03-21
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother passed away in 2007 and left me her home in her Will. I paid the mortgage and had NO problems with the previous Lender. Then, the loan was transferred to Seterus 3 yrs ago. 
At the time of transfer, Seterus requested we submit various documents to them related to my inheriting the house from my mother in 2007. **EVEN THOUGH THE PREVIOUS LENDER HAD HAD ALL THESE DOCUMENT SINCE 2007 AND TRANSFERRED THEM TO SETERUS. ** I submitted ALL the requested documents to SETERUS 3 years ago : My mother 's Death Certificate, My mother 's WILL, The Court papers, The DEED ( recorded at the County ) showing mine and my wife 's names on the DEED, The Marriage Certificate, Confirmation of the Successor 's ( My ) relationship to the deceased borrower ( My Mother ), All these documents requested by Seterus were sent 3 years ago and WE RECEIVED WRITTEN CONFIRMATION THAT THEY WERE RECEIVED BY SETERUS. 
We told Seterus at that time that we did not have enough money for closing costs on a loan, nor was our credit high enough to refinance. **THEY TOLD US THIS WAS ALL WE NEEDED TO DO. WE 'VE BEEN PAYING THE MORTGAGE FOR A FEW YEARS NOW. 
Now we just received ANOTHER letter requesting the SAME documents ( above ) that they CONFIRMED RECEIVING 3 years ago!!! 
1. WE JUST WANT TO KEEP PAYING THE MORTGAGE. 
2. WE DO *NOT* WANT TO FORECLOSE 3. WE WANT TO KEEP THE HOUSE. 
3. WE NO LONGER WANT TO PURSUE OR REQUEST A LOAN MODIFICATION. IT HAS TAKEN TOO LONG ( 7 MONTHS!! ) WITH *NO* ACTION from Seterus, REPEATED REQUESTS from Seterus FOR DOCUMENTS that SETERUS HAS ALREADY CONFIRMED RECEIVING, FALSE OFFERS OF ASSISTANCE, SETERUS NEVER ALLOWING US TO SPEAK WITH SOMEONE IN THE LOAN MODIFICATION DEPT, DESPITE DOING NOTHING WITH OUR LOAN MODIFICATION FOR SEVEN MONTHS ... ... 
ALSO WE HAVE READ HUNDREDS OF COMPLAINTS ON CONSUMERFINANCE.GOV ( CFPB ) FROM SETERUS CUSTOMERS who have been offered FALSE Loan Modifications, been FORCED to add many years to their existing loans, and had their credit further destroyed. Seterus continues to VIOLATE THE FEDERALLY-MANDATED REGULATIONS SET IN PLACE TO PROTECT CONSUMERS. 
We are scared TO FALL VICTIM TO THE SAME FRAUDULENT, CREDIT-DESTROYING, POSSIBLY ILLEGAL, CUSTOMER-HARMING, UNETHICAL POLICIES THAT XXXX OF SETERUS CUSTOMERS HAVE BEEN VICTIMS OF. WE ARE SCARED OF SETERUS AND THEIR FEDERAL-LAW-BREAKING PRACTICES. WE WISH WE COULD DROP THEM BUT ARE UNABLE TO BECAUSE WE ARE IN TRUE HARDSHIP AND WE DO N'T HAVE THE FINANCES OR DECENT CREDIT NEEDED TO REFINANCE. 
We have been through harsh medical and financial HARDSHIP in the last 5 years. We can not handle any additional hardship imposed by Seterus , inc . 
WE BELIEVE SETERUS IS USING FRAUDULENT POLICIES TO AVOID ASSISTING ITS CLIENTS IN NEED / HARDSHIP. 
SETERUS HAS ALREADY RUINED OUR CREDIT, RATHER THAN ACTUALLY HELP US, DESPITE BEING IN TRUE HARDSHIP, BOTH MEDICALLY AND FINANCIALLY. MY WIFE IS XXXX AND WE ARE CONTACTING THE ADA TO SEE WHAT ASSISTANCE THEY MIGHT OFFER, LEGALLY OR OTHERWISE. 
We will also file complaints with Fannie Mae and other owners of the Loan, as well as Federal and State agencies that regulate mortgage lenders. 
***WE WANT TO*** *** CONTINUE PAYING THE MORTGAGE *** *** KEEP THE HOUSE *** *** NOT FORECLOSE *** *** SETERUS HAS THE DOCUMENTS LISTED ABOVE. THEY CONFIRMED RECEIPT OF THOSE DOCUMENTS 3 YRS AGO. AND DOCUMENTS LIKE DEATH CERTIFICATES AND WILLS AND DEEDS DO NOT HAVE EXPIRATION DATES!!!! We do NOT need to send in any more forms or documents. *** **** WE DO *NOT* WANT TO CONTINUE WITH THE LOAN MODIFICATION PROCESS. *** WE WILL CONTINUE PAYING THE MORTGAGE AS IT IS. 
WE WILL CONTINUE TO ASK OUR FAMILY FOR HELP AND WE WILL CONTACT THE ADA for HELP IN DEALING WITH THE MORTGAGE / NEW MORTGAGE, ETC, AS MY WIFE 'S SERIOUS ILLNESS & XXXX ARE ONE OF THE MAIN REASONS WE ARE NOW IN FINANCIAL AND MEDICAL HARDSHIP.

Company response to consumer: Closed with explanation