Consumer complaint received 2019-02-28
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : XXXX MIN XXXX XXXX  certified copy of this request SETERUS has been sent via USPS certified mail.

I hereafter " CLAIMANT '' is a victim of predatory lending practices serviced by SETERUS, Inc. or " LENDER '' The CLAIMANT is in acceptance of the amount owed to LENDER for loan number XXXX MIN : XXXX/SETERUS, Inc if the LENDER can provide the following listed exculpatory evidence and explanation of the following documentation associated with this debt signed and dated and or notarized on and/or after XX/XX/XXXX that gives SETERUS, Inc. the right to collect a debt from the CLAIMANT ( 45years ) until XX/XX/XXXX.

In Summary : the CLAIMANT entered into contract of lending prepared by XXXX XXXX, XXXX , XXXX., XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, UTAH XXXX  on XX/XX/XXXX for {$89000.00} ( rounded ) to purchase a home for {$110.00}, XXXX ( appraised at XXXX ) with a conventional, XXXX XXXX backed home at 5.75 % for a 30 year mortgage and Witnessed by XXXX XXXX XXXX XXXX  # XXXX. The CLAIMANT paid XXXX  cash towards the purchase of the home and applicable costs in cash at closing. According to the Truth in Lending Statement provided for this loan the cost of this home with interest was to be {$180000.00} over the life of the loan. The CLAIMANT was 34 at the inception of XXXX loan XXXX. Under the current terms collected/serviced by SETERUS, Inc. the CLAIMANT will be 72 years old when this loan is paid off.

The CLAIMANT is expected to pay {$250000.00} in Principal and Interest for a home that had an estimated value of {$54000.00} in XX/XX/XXXX when the modification by the LENDER was completed. Under these terms the CLAIMANT is also paying insurance premiums for the value of the home at {>= $1,000,000} Since XXXX. Under the loan agreement the CLAIMANT will have paid an approx. {$95000.00} to insure the home.

History : In XXXX the CLAIMANT began the process of loan modification with XXXX  , XXXX. the Loan # XXXX that was the servicer of this loan from XX/XX/XXXX to XX/XX/XXXX. My loan was transferred during the modification to SETERUS, Inc. on XX/XX/XXXX. Note : The reason for loan modification had been due to a gross underestimation in taxes and insurance through escrow that had fluctuated my original payment of {$660.00} to as high as {$950.00} to leveling off at {$700.00} in XXXX, which I paid until XX/XX/XXXX when the CLAIMANT received a loan modification through SETERUS , Inc .

Since XXXX initial investment to the property of {$26000.00} the CLAIMANT has made a minimum of {$50.00} thousand dollars in improvements to the home in out of pocket expenses including and not limited to, air conditioning system, doors windows, electrical, plumbing, roof, exterior stucco and landscaping. The CLAIMANT has {$65000.00} invested in the home including taking responsibility of the all repairs made from damage incurred from Hurricane IRMA.

Listed in this formal complaint are simple requests of documentation from the LENDER SETERUS, Inc. from the CLAIMANT borrower. The CLAIMANT requests CBFS in connection and/or on the Attorney General of the United States to rectify and release the burdens of loan including all fees collected for payment, attorney fees, and property inspections associated in tremble. The following are request for information regarding this loan to the LENDER. Please note that the CLAIMANT has exculpatory evidence and/or reference for all requests list below : 1. Provide a payoff amount for loan number XXXX  as issued by SETERUS , Inc . Incorporated dated XX/XX/XXXX.

2. As I have not received a payment coupon for XXXX XXXX payment from SETERUS, Inc the CLAIMANT shall use the XX/XX/XXXX statement of transfer to acknowledge the 30 day period to dispute payment.

3. Provide accounting of all fees collected under loan number XXXX including but not limited to $ 10 monthly fees paid by phone as issued by SETERUS, Inc, Inc. and including reference to of the rights to collect these fees under a signed and notarized contract between The CLAIMANT and the LENDER from XX/XX/XXXX to XX/XX/XXXX.

4. Provide an explanation of letter from the LENDER ask quoted below and dated XX/XX/XXXX to : NOTICE OF DEBT XXXXXXX ( claimant ) XXXX XXXX XXXX, XXXX The total amount owing on your transfer date of XX/XX/XXXX to SETERUS, Inc was {$0.00}. The current amount owing is itemized below. * ( total stated {$79000.00} ) 5. Please provide exculpatory evidence and reference to the contract of mortgage that the CLAIMANT is in fact the borrower and responsible to pay for the following charges as itemized by SETERUS , Inc, Inc. on the above referenced letter. Itemization of Current Amount Owing in boxed columns and lines as described below in reference to above described letter ( 3. ) of this document disregarding Line One as Title Line. * Column 3 Added Charges From SETERUS, Inc 1. Interest Charges in the amount of {$860.00}.

2. Late Charges in the amount {$35.00} 3. Legal/Attorney Fees {$2.00} 4. Property Inspection Costs {$15.00} 5. Total Amount Owing {$79000.00} 6. Please provide the time, date, and full name/company for each inspection performed of the property associated with this loan, their findings, photographs and State of Florida license number for each individual that performed the inspection of home.

7. Please provide the time, date, and full name/company that provide inspection, their findings and State of Florida license number for each individual performing the inspection of home after Hurricane IRMA and charged to the CLAIMANT by SETERUS , Inc. and the findings of these reports and all or any photographs taken during property inspection.

8. Please provide the names of all Board Members and Principles and addresses of all officers of SETERUS , Inc .

9. Provide the name and license number and notarized signature affidavit of the individual that signed a contract for mortgage modification in the State of Florida on XX/XX/XXXX.

10. Provide exculpatory evidence of the LENDERS signed in ink original documents and all of the following documents listed 1-8, including but not limited to, all RESPEC required documents/federal for a mortgage loan loan provided to the CLAIMANT in Good Faith of this Loan agreement by SETERUS , Inc, Inc. Signed/acknowledged by the CLAIMANT.

1. Federal Truth in Lending Statement.

2. Amortization Schedule with final payment.

3. General Warranty Deed.

4. Initial Escrow Disclosure Statement.

5. Florida Lender Disclosure Form.

6. Servicing Disclosure Statement.

7. Notarized Affidavit of Signature 8. All required HUD forms 11. Provide a copy of all additional XXXX XXXX forms associated with this loan as a XXXX XXXX backed mortgage from XX/XX/XXXX to XX/XX/XXXX. Signed/acknowledged by the CLAIMANT.

12. Provide the credentials/title and State of Florida license of all authorized signer 's of the modification agreements and the documents used to determine modification of this loan in the year of XXXX.

13. Provide a Truth in Lending Statement for Loan Modification Agreement dated XX/XX/XXXX and first payment notification of this loan. Signed/acknowledged by the CLAIMANT.

14. Provide the Amortization schedule for Loan Modification Agreement by the LENDER from its inception on XX/XX/XXXX thru to final payment in XXXX.

15. Provide a Notarized Affidavit of Signature from the CLAIMANT for the Loan Modification Agreement dated XX/XX/XXXX.

16. Please Florida Lender Disclosure Form Loan Modification Agreement dated XX/XX/XXXX. Signed/acknowledged by the CLAIMANT.

17. Explain the reason for calling my phone harassment when mortgage was current and the CLAIMANT has repeatedly specified that I to be contacted by USPS/mail only.

1. XX/XX/XXXX ( Mon ) XXXX XXXX 2. XX/XX/XXXX ( Mon ) XXXX XXXX 3. XX/XX/XXXX ( Sat ) XXXX XXXX 4. XX/XX/XXXX ( Thur ) XXXX XXXX 5. XX/XX/XXXX ( Tues ) XXXX XXXX 18. Explain why there is a past due amount charges on my bill that miraculously matches the payment of this loan and describe in detail what each of these charges are pertaining to. Note : I have contacted SETERUS, Inc several times to ask if my mortgage was current and told that they were miscellaneous fees to be explained by written request only.

19. Provide an itemized list of these charges along with the times, dates and license numbers all Attorney fees and property inspection fees.

20. Please provide a detailed explanation of the past due charges on XX/XX/XXXX billing statement that miraculously matches the payment of this loan precisely and describe in detail what each of these charges are pertaining to. Note : I have contacted SETERUS, Inc. several times to ask if the mortgage was current and told that they were miscellaneous fees to be explained by written request only.

21. Please Provide the first Billing Statement with Payment Coupon provide by the LENDER for this loan.

22. Acknowledge that a payment was scheduled for the XX/XX/XXXX installment to SETERUS, Inc. via phone on XX/XX/XXXX.

23. Please provide the names of all individuals/officers of the company of SETERUS , Inc , Inc. that entered into an agreement for loan modification with the CLAIMANT.

24. Provide the last Billing Statement with Payment Coupon sent by SETERUS , Inc .

25. Acknowledge that a payment was scheduled for the XX/XX/XXXX installment to SETERUS, Inc. via phone on XX/XX/XXXX.

Company response to consumer: Closed with explanation