Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (VA)

I have applied for loan modification in XXXX of XXXX and was approved. I received the loan modification agreement, signed on XXXX/XXXX/XXXX, and was XXXX back to you by the XXXX envelope the lender provided, however, as I spoke to XXXX XXXX, she told me advised me that somehow the modification was denied because the document was altered. Also, my previous attorney was in contact with Seterus until XXXX of XXXX regarding the final report from the court. My case was discharged but I still had outstanding balance to pay to trustee and the last payment was made in XXXX of XXXX. 
As I agreed with Seterus with loan modification, I have been paying {$2700.00} since XXXX of XXXX until XXXX of XXXX totaling {$62000.00}. I believe I have done all I can to cooperate and took my part of the loan modification to make sure all he payment went in on time. 
I have contacted the servitor in XXXX of XXXX, trying to find out what the payoff is, this is when one of the representative advised me that my property is in default and in the process of foreclosure. Nobody from Seterus has contacted me to advise me that my account is in default or in foreclosure status for XXXX month!, NOT EVEN ONCE!!! 
After I contacted them, now they decided and sending all these letters, I have been receiving all these letters about reinstatement fee, late fee, penalty, etc etc. Noone has bother to call me or send me a simple letter stating the fact and now they are going crazy sending me these letters to get more money out of me. 
I requested to investigate my account from the date I requested the modification, which was in XXXX XXXX, until now for the open balance as well as approve my loan modification as I signed on XXXX XXXX, XXXX. Nothing, no investigation was done. 
I have received letter from you dated XXXX XXXX, XXXX regarding the reinstatement fee in the total amount of {$40000.00}. I have applied for loan modification program on XXXX/XXXX/XXXX and I have spoken to the representative name XXXX XXXX XXXX and she advised me that my application is in the process of reviewing and in the waiting period. 
I have received another letter from you dated XXXX XXXX, XXXX, notice of default due to the non-payment in the amount of {$34000.00}. 
I have sent the letter to your department requesting how the amount of {$40000.00} has accumulated and also, detailed explanation of open balance in the amount of {$34000.00}. However, as of this date, nothing has been received, but you are sending me all these letters. I need some explanation of the open balance. I need to know which amount is right amount. 
As I stated, many representatives from the company that I have been approved for loan modification in XXXX XXXX, XXXX, and from their end, it has not been finalized. However, on my end, I have been making {$2700.00} for the past 23 months totaling {$62000.00}. 
I need to know the followings : 1. {$2700.00} since XXXX through XXXX, totaling 23 months = {$62000.00} ; 2. {$2900.00} since XXXX through XXXX, totaling 23 months = {$67000.00} ; 3. Difference from XXXX to XXXX = {$5100.00} ; 4. So basically there is {$5100.00} difference and obviously you will put late fee and along with other fee would be added, but having {$40000.00} open balance is not understandable. 
I requested to send me the explanation where the money I paid to you for the past 23 months and where they were applied and even if I made those payments, how come there is an open balance of over {$40000.00}. Nothing was answered. No letter explanation about the fund applied just calling me to verifying information over 100 times. 
Now, they are requesting me to sign new loan modification agreement with 40 years, trying get more interest money from me plus more. 
Their website is stating that they are there to help but in my opinion, they are taking advantage of people like me who is having hard time paying the bill