Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
I have been fighting nasty old XXXX XXXX XXXX for over eight ( 8 ) years now and their subsequent " co-conspirators '' in XXXX XXXX, Seterus, XXXX XXXX, and the CFPB under the inept and useless XXXX XXXX! 
I have a stack of communications that is nearly FIVE ( 5 ) FEET tall and all the run around, senseless correspondence from them, along with threats from various lawfirms they all apparently hired to continue with this total farce and masquerade that government agencies like the CFPB, OIG, FHFA, GSE, XXXX XXXX and others know full well about. 
Billions of dollars expended on behalf of XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX and more all across our wonderful country and based upon one of the biggest scams in our American History with all the phony dealings and nearly all based upon forged, fabricated, phony, and " robosigned '' documents like I got copies of from XXXX XXXX XXXX lawfirms like XXXX XXXX XXXX including a stamped, undated robosigned signature of XXXX XXXX. XXXX XXXX XXXX wrongfully foreclosed upon here in Colorado and in violation of several laws. 
I am so tired of having to pay on these strictly phony, nonexistent loans ( I initially had a total of FIVE ( 5 ) loans with XXXX XXXX XXXX  in the years from XX/XX/XXXXto XX/XX/XXXX and the loans were good loans which were allegedly originated and " table funded '' by XXXX. XXXX XXXX XXXX took over XXXX allegedly back in XX/XX/XXXX in a rather strange and questionable way through XXXX XXXX XXXX XXXX which was controlled by XXXX XXXX XXXX. 
Of ALL the people I spoke with or corresponded with only a lady named XXXX XXXX was polite and listened patiently while I explained that I am a XXXX year old XXXX Veteran and that nasty old XXXX XXXX XXXX had improperly " service transferred 4 of the five supposed, initial XXXX XXXX XXXX from XXXX through XXXX  ( who is NOT a true lender and not a true beneficiary or nominee ) to nasty people like XXXX XXXX  and Seterus who are merely " debt collector '' and NOT actual lenders to my understanding. I also informed her of the phony, fake " in-house '' modifications finally offered after nearly 4 years of fighting people who said they were from the office of the ceo and president of XXXX XXXX XXXX. 
I told her I had proof of ALL of this and the " pretend servicer/lender '' that everyone was continuing to represent. To date NO actual, confirmed evidence has ever been provided by any of these people because all they have is fabricated, forged, phony, and : robosigned documents. I even have a copy of one supposed assignment in blank and undated by XXXX XXXX ( look on the Internent for her deposition!!! ). They wrongfully foreclosed upon this property and committed several frauds and even by a lawfirm ( XXXX XXXX  ) that was fined by the Colorado AG back in XX/XX/XXXXfor their practices in foreclosure and fined over {$650000.00}! 
I explained that I have to wait until AFTER the XX/XX/XXXX Wednesday in each and every month before I can make the " phony payments '' to Seterus and XXXX XXXX XXXX. I spoke to her back on XX/XX/XXXX when she called me. 
These two pony " pretend lender/servicers '' continue to harass me and send out phony " pretend statements '' that I am behind in my payments when I can firm that they have been made electronically via my XXXX XXXX Bill pay and payments are made BEFORE the XX/XX/XXXX of the month except when that date fell on a weekend or holiday- they then added late fees and make other claims for fees that are not owed in an effort to attempt to make it look bad for me after I was able to reinstate these loans and keep them from going into default. 
They made claim in letters that an increase of nearly {$11000.00} per month ( what I have had to pay for the full time care of my XXXX year old mom who XXXX XXXX in XX/XX/XXXX " was not a significant change in my financial situation '' in trying the get help on these " phony loans ''. 
When one is in my current situation, as millions have been, the phony, nasty racketeering banks complete the wrongful, phony foreclosures and literally steal the property of us innocent property owners as we have NO money to fight them and they have BILLIONS they received from all of us Americans that they have never bargained for in good faith with the majority of property owners. The National Mortgage Settlement is an example of all this and the fact that the lenders continued to take unfair advantage of ALL of us property owners after receiving bail outs from our very own government I hope and pray that XXXX XXXX will get copies of all this that I am preparing to send to him, President Trump, and others who will hopefully have a conscience and understanding that this is still going on and insist upon a national moratorium on any and all foreclosures and put an end to this ongoing racketeering problem as set forth in the XXXX  Circuit Court of Colorado back in XX/XX/XXXX when they ruled that the racketeering charges could continue in the XXXX et al. V. XXXX XXXX XXXX and XXXX XXXX XXXX. I have the copies of the modifications where XXXX  sent me documents to sign with them acting as " attorney in fact '' for XXXX  XXXX XXXX and they are all robosigned and NOT ever recorded and I have the phony, recorded and robo signed assignments and the blank assignments undated and all robo notarized in XXXX County Colorado and Florida. PLEASE HELP THIS OLD XXXX VETERAN WHO WANTS TO HELP SO MANY OTHERS AND HELP CLEAN UP THE HUGE FINANCIAL SWAMP THAT EXISTS!!!! THANK YOU.

Company response to consumer: Closed with explanation