Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
This letter was sent to mortgage company Seterus INC. Now my house is in foreclosure, and they wo n't talk to me, since loan is in my ex-husbands name. I have made every payment since being awarded the house last XXXX XXXX. This letter I am attaching will explain more. 

Seterus , Inc . 
XXXXRe : Loan # XXXX-XXXXXX/XX/XXXXTo Whom it may concern : I am writing to request information on my home ; at property address XXXX 

This is my house. It was my child hood home I inherited in XXXX from my deceased parents. When my ex-husband and I refinanced this property with your company, we used only his income and credit score, because at that time I was a stay at home mom, and he had the higher credit score, making the interest rate and payments lower. I was, and always have been authorized on this account, until recently! I have been trying to find out where my XX/XX/XXXX payment of {$760.00} is at that I sent you. It has not been sent back or cashed. Nor will anyone discuss this with me!! 

Last year, XX/XX/XXXX our divorce was finalized and the judge awarded me my house. ( COPY ATTACHED ) XXXX XXXX was court ordered to pay all the delinquent payments at that time and I would resume the first XXXX in XXXX XXXX. 

I made each month 's payment to you in the amount of {$610.00}. I paid every month! I sent you XX/XX/XXXX payment of {$610.00}, which you returned to me. ( COPY ATTACHED ) Letter states that you sent explanation to the borrower. I then called and was told that the payments were delinquent, and each month I paid, the payment would be applied to the previous months. Therefore, you sent me a copy of a letter you sent XXXX, stating you were willing to work with him on the delinquency of the account, and modify the loan. It stated that that a payment of {$760.00} should be sent in for XXXX, XXXX and XXXX, while you waited for hardship letter and documents from XXXX XXXX to modify. 

I called on Tuesday, XX/XX/XXXX and was told XXXX never responded to this request. I asked where my XX/XX/XXXX check for {$760.00} at! I was told they could n't discuss this with me as I was n't authorized now! 

Last night, XX/XX/XXXX I got a phone message from XXXX XXXX stating my house was in foreclosure and I had until XX/XX/XXXX to pay you {$5600.00} because I have failed to pay any of my payments over the past year!!!!!!!!!!!!!! I have sent you all of my canceled checks to you for the past year, showing you I HAVE PAID!!!!!!!!!! This is my house, and clearly XXXX is in contempt of court, which I filed against him on Tuesday XX/XX/XXXX with XXXX XXXX Courts in XXXX, CO. 

Please send me correspondence regarding my check, and what is going on. I am the owner of the home and I will file a complaint against you legally, if a foreclosure is truly happening. 

In my own eyes I believe that XXXX is just unhappy that I won the home in the divorce and doing everything in his power to make me lose it! 

I have attached all of the pertinent information needed for you records ... 

Thank youXXXXXXXX

Company response to consumer: Closed with explanation