Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a victim of fraud from Seterus a company expert in lying and defrauding people. I am not on any mortgage note and the mortgage on my property is a fraud. With 29 years experience in banking, including procedure of mortgage documents, ( I will provide the Court if necessary many documents from all over XXXX and some country in XXXX confirming this ) it gives me a clear edge against any XXXX lawyer, in understanding not only the mortgage documents but also the importance of those documents. For this reason I will explain again so the Appellee understands the vital importance of this document. What is the difference between a mortgage and a Promissory Note? Homebuyers sometimes think of the mortgage ( or deed of trust ) as the contract they are signing with the bank to borrow money to purchase a house, but it is the promissory note that contains the promise to repay the amount borrowed. A mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. The mortgage note states the amount of debt and the rate of interest, and obligates the borrower, who signs the note, personally responsible for repayment. Seterus organized the vandalism, the fraud the looting, theft of my property totaling {$260000.00} that they will pay one way or another. The confirmed that they reply but they are lairs with no respect for law and humanity. They never respond to any question and they are an embarrassment for our society. They have no knowledge of banking and can never make the difference between a fraud and a real mortgage I am a banker and the knowledge of this cover-up company is only on how to lie to people and defraud them. Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must provide a clear Mortgage Note with my name on it. My name XXXX XXXX is not on the mortgage note. 2. I would like to see a document informing me in XXXX that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. 3. I would like to see an official document informing as required by law in PA about action of a property including my name on it. The sale was for only {$1000.00} which is less than the cost of the refrigerated. Was my property is my property and permanent for the next 200 years will be my family 's property and this lair XXXX there is nothing he can do to stop this expect pay the {$260000.00} or face criminal charges and {$5.00} mill legal case against this lair XXXX and his mother. Around {$260000.00} stolen, damage vandalize private property not part of any mortgage Their XXXX lair XXXX XXXX try to cover up but this time will never work. Once I get my property that will be very. What is next they will put contract killer to kill my family too and reply to CFPB that they reply and the case is closed This company defraud people and lie without any shame. I will never stop until I get back my property Is the obligation of CFPB to close down such mortgage service provider since more people will lose their property to lies provided by this horrible service provider.???

Company response to consumer: Closed with explanation