Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
A line is now drawn in the sand in reference to alleged Loan # XXXX The above-referenced loan from inception involved what is proving to be a long list of fraudulent misrepresentations, mortgage fraud, both actual and constructive fraud, forgery, identity theft, federal false claims, extortion, deception, slander of title and the list could go on. Despite the concerted efforts to conceal the fraud involved in the transaction identified by the alleged loan identified above ( # XXXX ) the true facts, nature and intent of XXXX and its successors are emerging. 

XXXX XXXX XXXX, XXXX and its related subsidiaries, XXXX XXXX XXXX XXXX, the FDIC, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX as successor in interest to XXXX XXXX and as XXXX XXXX XXXX, and its related subsidiaries. Most noted subsidiaries of XXXX XXXX XXXX, specifically is XXXX of XXXX, XXXX XXXX and XXXX XXXX XXXX and now Seterus have all participated and profited in various ways and at various times in my more than ten year long struggle to survive the deception an outright extortion as the following statements of fact and the attached supporting documents will show. 

FACTS : 1. The contract ( ID # XXXX ) that XXXX XXXX XXXX, XXXX has proffered to XXXX, and all other Successors and Assigns, was rescinded in writing XX/XX/XXXX. 
Written notice of rescission sent, received and acknowledged by XXXX XXXX XXXX XXXX/XXXX/XXXX. Rescission was based upon fraud. XXXX manufactured a means to create a default by increasing a fixed rate mortgage payment from {$800.00} and change to over {$1300.00} and change and stated it was because of a sudden increase in property taxes. Six years of property tax records did not reflect any increase. That followed by misapplied payments and the refusal to return my nearly {$60000.00} down payment along with the threat of foreclosure. This was all within the first year. 
2. I purchased a Homeowners title insurance policy from XXXX XXXX XXXX. I have tried. Although I have provided by certified mail many times copies of the policies and the written request for the closing file to determine who received my money and who else needed to be contacted to request the funds be returned. I have received several letters acknowledging receipt of the request and asking that I allow 30 - 60 days and it never comes. I have on occasion had representatives of XXXX XXXX to tell me verbally that information requires a subpoena and that I must sue them to get that kind of information. I have a letter from XXXX XXXX in response to one of my written requests stating that XXXX XXXX does not keep closing files. XXXX XXXX takes a great deal of pride in their '' XXXX XXXX 's ever-expanding, multibillion land-record database that allows them to retrieve and complete the most complex mortgage files '' for the BANKS. What of the consumers who purchase their products? 

3. The FDIC would not entertain a claim being filed by a homeowner when I made contact with their office after XXXX went into receivership for their misconduct. 
4. XXXX did help to bring a small piece of XXXX XXXX XXXX 's misconduct to light. XXXX provided written confirmation again as they did in XX/XX/XXXX the acquisition date from XXXX XXXX XXXX, XXXX was XX/XX/XXXX. This proves that XXXX XXXX XXXX did not acquire ownership of the mortgage or note in XX/XX/XXXX to assign ownership to anyone. There had been no filings XXXX, Deeds or otherwise since XX/XX/XXXX other than my acceptance of the Warranty Deed that I paid for with my own money. 
5. XXXX willfully and knowingly filed those fraudulent assignments in an attempt to facilitate another fraudulent foreclosure using the newly created loan out thin air from SETERUS. Continued on attachment

Company response to consumer: Closed with explanation