Consumer complaint received 2015-06-23
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015 I received a letter saying my escrow was short and needed to pay it so that my monthly payment would not increase at a large amount.  The payment had to be received by XX/XX/2015  On XX/XX/2015 I sent the payment requested with the coupon they provided. On XXXX I received the coupon and check marked no such address, undeliverable.  Called they immediately to explain what happened.  Was informed the wrong address had been put on the coupons by them in error.  They allowed me to pay the amount over the phone, so it would be received by the XXXX  On XXXX, I had sent a monthly payment for XX/XX/XXXX and paid the larger amount because I had not been sent a payment slip with the corrected amount on it.
  During my phone call I was told the escrow payment would be credited to my escrow account and the extra money I had put on my XX/XX/XXXX payment would be put on my principle.  I then received a letter stating I had til XX/XX/XXXX to pay the escrow amount before it would increase due to there error.  
On XX/XX/XXXX I still hadn't heard from them or received a new coupon for my XX/XX/XXXX payment so I called them again.  I was informed my escrow payment had been applied to my XX/XX/XXXX payment with the extra monies going onto my principle.  After talking with them I thought I had gotten everything straightened out as they told be the XX/XX/XXXX payment would be do as the escrow money was put into my escrow account(which now had a overage).  According to the letter sent XX/XX/XXXX my monthly payment would be XX/XX/XXXX  if the deficiency was paid, which I had done.  I paid my payment over the phone, so they would have it immediately.  I was told everything would be straightened out again.  
  On XX/XX/XXXX I received a call threatening to make a hit on my credit score because my XX/XX/XXXX payment was not paid in full.  I explained to the worker she needed to read thru my account.  She said she would get back to me.  On XX/XX/XXXX I hadn't heard anything so I called the mortgage company to make sure everything was corrected.  It wasn't.  The worker after being on hold forever assured me it was taken care of and I would not receive anymore calls, hits on my credit score or penalties.  I also would receive my XX/XX/XXXX payment coupon with the correct amount on it.  She assured me I could send in the correct amount on my XX/XX/XXXX payment(sent XX/XX/XXXX).  I asked to talk to a supervisor who also assured me everything would be ok.  On XX/XX/XXXX I received another call telling me I had not paid my XX/XX/XXXX payment and they would be taking action against me.  I called back to them with the information I had from the previous day.  I was told the calls would continue until I paid my bill or the situation was corrected.  They cannot stop the calls until then.  I would have to send them a letter requesting all calls be stopped, from this point forth. They would not be able to call me for any reason.  This would not stop any action they would be taking.

Company response to consumer: Closed with explanation