Consumer complaint received 2016-05-06
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My father passed away and left a house to my XXXX siblings and myself. I have lived in the house since it was purchased 9 years ago, and make the mortgage payment. In XXXX, 2015, XXXX XXXX XXXX, the mortgage holder, sold the loan to Seterus. Since that time I have been trying to get information about the loan, but they will not talk to me about it. They say they must have the name of the Administrator or Executor of the estate. There is not one. My father died in XXXX, without a will, and we completed a Small Summary Administration where the Judge divided the property among the XXXX of us and it was complete. The judge said she had no jurisdiction over the house because it was in XXXX. After several conversations with Seterus since they took over the note in XXXX, 2015, I have done and sent everything they have asked for. I have sent the Summary Administration from XXXX and the Affidavit of Heirship from XXXX, along with my father 's death certificate, as requested from Seterus. During the last two conversations with Seterus, I was told first that the legal documents were not sufficient and then that ( apparently they were ) they could not talk to me, but could talk to my sister. I then began to receive mail from them, at the house address where I live, with her name on it. Not only has my sister never spoken with them, but she has had repeated brain surgeries since XXXX of last year and is not involved in the house matter. The only way that Seterus could have my sister 's name is someone picking a name off of one of the legal documents - her name happens to be listed first. I retained an attorney this week, she called, and they wo n't speak to her either. I have paid what I believed to be the mortgage payment every month, but I am not sure what the amount is, due to several pieces of mail from Seterus with differing amounts due. At the end of the last conversation with Seterus, I asked the young lady what I should do since they would not tell me anything about the loan. She said to just keep paying the mortgage. I asked how, since I was unsure of the monthly amount due ( the change in amount came when they set up an escrow account ). She told me that, though she should n't be telling me, the amount I had paid 4 days before, {$1000.00}, was the correct amount. Several days later I received a statement that the payment was {$1200.00} per month. The next day I received mail stating that the mortgage was behing one month, and that if they did n't receive {$1700.00} by XXXX XXXX, they were going to begin foreclosure proceedings. Two days later I received a statement saying that {$1900.00} was owed. I have done everything they have asked. With the exception of XXXX people, they have been extremely rude and unyielding. When I asked for someone in their legal department, they said they could n't help me. I am at my wits end. I have made payments every month, calculated by what the original amount was, plus the yearly property taxes divided by XXXX. Please help. I do n't want to lose my home, but I can not seem to get through to these people. Thank you in advance.

Company response to consumer: Closed with explanation