Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I have submitted a complaint back in XX/XX/XXXX to Seterus asking to return my almost {$10000.00} that they demanded I pay in order to not lose my house to bankruptcy. I have made numerous calls to them to have this rectified and they have never responded or had any answers to give me. I submitted a complaint back in XX/XX/XXXX through the consumer portal stating that i initially had my mortgage loan with XXXX  XXXX XXXX in XXXX and they claimed that i owed escrow money regardless of all the proof i have sent them showing all my payments. In XXXX I hired an attorney to represent me and we went to court 6 times, each time XXXX  XXXX XXXX failing to have any proof of their claims. While this claim was active, XXXX  XXXX XXXX sold my mortgage to Seterus. On XX/XX/XXXX we went to court with XXXX XXXX XXXX and Seterus lawyers, and XXXX  XXXX XXXX agreed that date my mortgage loan is in good standing and to be reinstated because they could not prove their claim against me and I came with all my proof of payments. XXXX  XXXX XXXX paid almost {$30000.00} to Seterus for the false claim and to bring my account into good standing, being that they made a mistake and i did not owe any money to anyone anymore ( as off XX/XX/XXXX ). My first payment to Seterus was on XX/XX/XXXX and I have made EVERY payment thereafter. In XX/XX/XXXX Seterus sends me a letter saying i owe them almost {$10000.00} in escrow. This is the EXACT same thing XXXX  XXXX XXXX was doing, I have made numerous attempts to ask for an explanation but no one has ever called me back or found a solution they had no idea how there was such a mess on my mortgage yet again. i was to refinance my house for a lower rate with another mortgage company and lost the deal because of this false claim and disaster with Seterus. I told Seterus that i want to close my escrow account and i want to pay taxes on my own but they didn't allow me then because my account was " delinquent ''. After they received my initial complaint through consumer portal they miraculously responded within 2 weeks, even though i have been calling for over 6 months with no response. Their response was that the money they recieved from XXXX XXXX XXXX after my lawsuit was to satisfy the loan from XX/XX/XXXX-XX/XX/XXXX, which is incorrect and a LIE, when we finished court in XX/XX/XXXX my whole mortgage was up to date and I owed no money to ANYONE, i continued my payments to Seterus from XXXX until today. How can they dare say i owe them money from before the court date when my loan was sold to them from XXXX  XXXX XXXX and in court XXXX  XXXX XXXX agreed to pay the full amount of the loan that was delinquent that they claimed because they had no proof, and i brought all my receipts and proof of payments. As if dealing with XXXX  XXXX XXXX wasn't stressful enough and has caused me full onset XXXX  and i now live with XXXX XXXX and XXXX  from all the stress, now Seterus is picking up from where XXXX XXXX XXXX left off and they are making false accusations again. They are completely taking advantage of my accent and taking me for a fool because i am an immigrant, they have made ZERO attempts to setttle this or explain to me anything whenever i call so again i have to file a claim through this portal to get them to be responsive. My full was in full good standing as of XX/XX/XXXX and i have made consecutive payments to them since. They have caused me to loose a refinance and keep inconveniencing me by holding my almost {$10000.00} that i had to pay to not loose my house. I want my money back, the court order was by a judge that declared the case had no liquidity to it and made XXXX XXXX XXXX pay off the amount they bogusly claimed i was delinquent in order to make my account current and i good standing. I have proof of every payment ever made, please help me save my home, I am over 70 years of age and do not need this in my life i am losing my health to all of this, i just want to enjoy whatever time i have left and save my home, please help! Regards, XXXX XXXX

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