Consumer complaint received 2016-11-01
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Complaint again Seterus Mortgage. I am trying to purchase another house & sell the one I 'm in where the Seterus Mortgage is the loan holder. I went to pre-qualify XX/XX/XXXX & was turned down. I got a copy of the credit report & they state that I was 120 days late for XX/XX/XXXX & XX/XX/XXXX & XXXX. I have consistently paid each & every month. I believe they made a huge mistake in reporting to the credit bureau. I 've talked with them 4 times now. The 1st time I called they did n't have payments entered that were paid & deducted from my bank. Oh ... so they fixed that, the next day of their awful website all of a sudden it showed payments for XX/XX/XXXX & XX/XX/XXXX. At that time I asked for them to send a payment history to me. They said no problem. About 1 week later I get an application for a modification with them. Mind you I talked with them 2 other times in between this first original phone call. They are VERY RUDE customer service people that will not listen to anything you say. Last night I got the worst representative. She yelled at me several times, interrupted me several times. Told me they did nothing wrong. I asked to speak to a manager 4 times & she refused to get one on the phone. She said they would n't say anything different that she did n't say. My girlfriend & I have gotten all my bank statements for XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX. Looks like I 've been paying, I believe they have been applying it to the wrong year and/or month. I was deliquent at one time, but only for 3 months & that was in XX/XX/XXXX. ( I was scammed by another company ) I entered their Modification Program. I paid for the trial period of 3 months & they applied those payments, I believe to the wrong months, making it look like I did n't make any payments. They refuse to discuss anything, that they may be in the wrong or rectify the situation. Along with refusing to allow me to talk to a manager. They do not have email to write to, they did give me a number for complaints. And researching this company, I 'm distraut of the way I have been treated & the lack of knowledge that the representatives have in this important situation. They continually contact me with " offers '', calling on the day of the due date. Last night the first thing the representative said, oh your current to you want to set up your next payment. They say they put notes in their computer when I contacted them, but each representative does not read them. I asked for them to send me a payment history for the entire time I 've been with them & all documentation with my signature on it. I would like to get this resolved ASAP to get approved to buy another house. Guess they do n't want me to pay off that loan? The first person I talked with, I was on the phone for almost 2 hours & she had to talk to her manager about missing payments not being recorded right. Again, they refuse to rectify this situation that has hurt my credit more than I imagined & being treated so disrespectfully XXXX by the representatives. I hope something can be done soon on this situation. Thank you.

Company response to consumer: Closed with explanation