Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OK)

I have been trying to stop the mortgage companies ( Seterus ) forced place insurance policy ( XXXX XXXX ) for over a year now. I have sent in my insurance company 's policy with the policy number to show proof of current homeowner 's insurance. There is proof that the current policy was received because someone from the insurance division of Seterus or XXXX called my insurance agent. I know about the call to my insurance agent because the representative from Seterus or XXXX was so rude and demanding that my personal agent threatened legal action if they called back and then called me to go over the call. 
Trying to explain and apologize for my mortgage company 's call was very embarrassing. After researching how to stop the mortgage companies forced placed insurance I have found numerous cases like mine. I have homeowner 's insurance on my home and Seterus has imposed homeowner 's insurance on the home and demanded I pay for it. This has me paying for XXXX insurance premiums a month. A few of the examples and lawsuits I have found that are related to my case because they either involved forced placed insurance when the defendant already had insurance, the same insurance company, and in the state of XXXX are as follows. 
1 ) The XXXX XXXX and XXXX lawsuit ( case number XXXX, in U.S. District Court for the District of XXXX ) 2 ) The case is XXXX XXXX XXXX XXXX et al., Case No. XXXX, in the US District Court for XXXX XXXX XXXX A XXXX federal judge on Friday granted preliminary approval to XXXX XXXX XXXX settlement. 
4 ) A lawsuit against XXXX XXXX and XXXX was recently granted class-action status by a judge in XXXX who alleged the XXXX companies " colluded in a scheme to artificially inflate the premiums charged to homeowners '' 5 ) XXXX XXXX XXXX and XXXX XXXX XXXX have agreed to pay XXXX to settle claims that they engaged in a kickback scheme inflating the cost of insurance that homeowners were forced to buy. 
The added insult is that in XXXX 2015 there was storm damage to my home. A roofing company made the necessary repairs on my home and I file a claim with XXXX to cover the roof repairs. They have dragged the claim along and have yet to pay out on the claim. I have twice provided the numerous pages of information that XXXX requested, however, nothing has been completed. Not only is Seterus forcing me to pay for a homeowner 's policy I do not need, nor want, that insurance agency is refusing to process the claim and pay the roofing company the money they are owed. If that roofing company goes to collections then any restitution should be paid by Seterus or XXXX as they are at fault for not paying out on a legitimate claim from an insurance policy forced upon me. 
Seterus has said it is my responsibility to provide the current hazard insurance. I HAVE PROVIDED the insurance and the proof of address change from XXXX County. Seterus has also CALLED my insurance agent personally and talked with them, see above. As for the storm damage, there were multiple storms XX/XX/XXXX and XX/XX/2015. There was siding and damage to the house in XXXX and we waited to repair the roof. The storm in XXXX damaged the roof further and the company came out in XXXX and repaired the roof. These were XXXX different storms that caused damage. 
I have included the letter that I sent to Seterus, twice, from XXXX County providing the new address and I have included the Insurance forms from shelter. Thank you for your help.