Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I have been fighting a foreclosure for eight years. My loan was about {$130000.00} and my house was worth much more - about {$290000.00}. XXXX refused to refinance or even give me an application. They kept saying all that I could do was turn over my house to them. They sued me and then withdrew. I believe XXXX does not have proper legal standing. Meanwhile, XXXX and Seterus have hired property management companies who have illegally entered my home and stole my personal property. They have done this numerous times. They say they have locksmith keys and able to unlock my doors and enter my home. There are no provisions in my mortgage for them to do this. From XXXX through XX/XX/XXXX, a property inspector has been entering my home and was removing my personal property. He took my beautiful collection of Christmas Ornaments that I have had for many years, pearls, bake ware, stamps and more. I placed a sign on the door that my home was owner occupied and that they had no right to enter my home. The sign was disregarded and they entered again and took more of my property. I have found my personal papers ransacked. One time. The property manager smashed up my door with a hammer. In XXXX, my friend and neighbor tried to stop two men who were drilling out my locks. My friend and neighbor insisted that the house was not abandoned. That did not deter the two men who could barely speak English. I found they stole three brand new XXXX   handbags, my gold ring and lots more. A XXXX employee was coercing me on the phone telling me that the break-ins would continue until I signed a new mortgage or turned over my house to them. The banks 's property inspectors have disconnected my washing machine, dryer, dishwasher, and they have tampered with my well. They have cut down my beautiful bushes and intimidated my friend off the property with a machete. On another occasion in XX/XX/XXXX, a group of property inspectors ransacked my house stealing my tools, camera lenses, silverware, XXXX jewelry, XXXX Tin and a postcard and lots more, They even defecated and wiped themselves with my towels. XXXX and Seterus and their property inspectors have caused me significant emotional distress. 

I want the following information : 1. All the purchase orders that XXXX and Seterus have given to all the property management companies and or their contractors that they have hired ; 2. Every document giving the property inspectors authorization for the services they were to preform at my house ; 3. I want all the reports, photographs and all other records prepared by the contractors and transfered to XXXX and Seterus and the property manager including XXXX XXXX, XXXX and XXXX XXXX XXXX and any other property inspector. 
4. I want all the names of the contractors and the times and dates that they entered my home ; 5. I want the names of all other individuals that they allowed in my home. 




-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Banks and Mortgage Servicers Seterus Mortgage Servicer from about XX/XX/XXXX to present a/c # XXXX Phone : XXXX XXXX XXXX XXXX and alleged Assignee of Mortgage Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I talked to property Inspector on or about XX/XX/XXXX. The Inspector indicated that they had passkeys and were allowed to enter HUD houses. Recently, I have noticed things missing from her house and realized that someone has been coming into the house when she wasnt there and has been removing her personal property. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX a XXXX XXXX XXXX Phone : XXXX - Corporate Headquarters In XX/XX/XXXX, ,I came home and found her door smashed up. A week earlier, when I came home, I discovered her lock had been removed from the storm door and her interior door window smashed. No stickers were left. I believe that this incident was connected to XXXX. 


On or about XX/XX/XXXX, I discovered that her storm door was unlocked forcibly. Upon a closer look, she realized that the locks on her interior door had been changed. I called a locksmith who drilled out the locks. When she entered the house she found her house had been ransacked, furniture broken, and property missing. Stickers were left on the door indicating XXXX had been in the house and changed the locks. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX : XXXX On XX/XX/XXXX, I received a frantic call from her friend who said that there were two men at her house breaking her locks to enter the house. The friend indicated that he had advised the men that the house was owner occupied. The men insisted on proceeding because they had explicit permission from the bank to change the locks and winterize the house. The friend said that he felt intimidated by the men, one was carrying a machete. I left her job in XXXX XXXX XXXX and rushed home. There discovered the house locked up with a latch and padlock on her storm door and a lock box placed on the interior doorknob and the locks changed. Once I gained access to her home again, she found that her gold ring, 3 brand new XXXX   handbags, a fifty-dollar bill and additional things were missing from her home. I contacted XXXX XXXX who indicated that they had received a purchase order from XXXX authorizing the work and entry to the house. Icontacted the XXXX as well. A neighbor had also encountered the two men who claimed that they were code enforcers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation