Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (MO)

This is my second complaint to the CFPB as Seterus did not address any of my concerns or correct any of the problems in their response. Instead they were self serving in their response and attitude and are now retaliating, attempting to harass and punish me for filing the first complaint ( see attached foreclosure letter ).

My loan was transferred to Seterus to cover up previous servicing errors from the previous servicers XXXX  XXXX who went out of business for their mistakes to millions of customers and then XXXX XXXX who much later admitted they made the error in sending my loan to Seterus in a payment due status but eventually sent me a check for less than what they owed me. 

I filed bankruptcy due to multiple XXXX in my family and loss of job. One of the XXXXXXXX  being my XXXX who originally owned this loan. This was a loan that originated in XXXX at {$52000.00} and is now around {$58000.00} after 17 years? 

Seterus is attempting to libel and slander. I have no reason to be ashamed of death for that is something only XXXX has control over. 

Seterus does not appear to want to correct their mistakes and they are OK with what has occurred. They have not corrected the mistakes and are attempting to put the burdeon on me. 

Seterus did not address why it took from XX/XX/XXXX to XX/XX/XXXX to discuss my loan with me and are now trying to foreclose. Letters and phone calls were ignored even by managers. 

I got the first phone call this year from Seterus today XXXX XXXX. XXXX XXXX called. XXXX XXXX claimed to not know anything about the CFPB complaint and did not discuss same with me. XXXX XXXX was very rude even though the conversation was very brief. XXXX XXXX did not bother to discuss the problem or issues addressed in my complaint and scolded me for mispronouncing her name as I heard it. 

There is no reason to be rude and treat customers the way Seterus does. If they did not have customers they would not receive pay checks. 

Im being told to go back to the individuals who have failed me already and will continue to fail me as evidenced by XXXX XXXX call. 

Why cant Seterus have people that want to truly help call the customer to help as opposed to hoping for the luck of the draw when a customer calls Seterus?  Ive done the hard part pointing out the problem, but I refuse to be punished for that. 

If I have to call Seterus to get service and they are not willing to provide that service how is that fair to me the customer? WHAT HAS HAPPENED TO MORTGAGE REFORM? WHERE DID IT GO? WHAT ABOUT FAIRNESS TO CUSTOMERS? 

How is it fair that I complain about bad treatment only to be punished more and harassed on top of it? Who is leading this company? 

How do I stay out of foreclosure? When foreclosure is a threat continually held over my head with Seterus not providing appropriate servicing methods for customers?

It should not have taken 3-4 months for me to convince Seterus they were making mistakes.

I did everything I was told to do and things were not done as promised to me.

Seterus took my money {$2300.00} but did not do as promised bringing my loan current with a payment plan. Seterus is doing everything they can to keep my loan in a foreclosure status? 

And yes, it is being vindictive and retaliatory when you dont correct the problem and continue to threaten with foreclosure dangling a carrot in a customers face like youre an animal and not human because of Seterus mistakes.

I received the attached letter ( undated of course ) XX/XX/XXXX but no response to right this situation. This situation started with my trying to get service to bring my loan current. I have met with nothing but resistance ever since. 

Seterus is not taking responsibility for the mistakes they have made? I still have not receivied an accounting or payment history as requested XX/XX/XXXX. I do not know the true status of my loan and the letter does not reflect my recent payment XX/XX/XXXX of XXXX, but I am receiving threatening notices of foreclosure, Seterus call center employees are not consistent you can not reach individuals willing to help and there is no guarantee you will get some one willing to help.

Seterus has no respect for the CFPB, customers, or the law. These are all servicing errors that Seterus needs to address, while spending time with libel, slander, vindictiveness and retaliation. I did what I was told I sent them my {$2300.00} and Seterus has not acknowledged any of what was promised and is occurring here?