Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My home loan is with Seterus Inc. Because I was late on an HOA fee of {$25.00} a debt collector auctioned my property for {$20000.00} to some straw buyer the collectors office attorney created just to steal my property. This all happened on XXXX XXXX, 2014. 
Seterus has played ignorant when in fact they knew what this Collection agent did to me instead of helping, they send their attorney ( XXXX, XXXX & XXXX ) into the court house to start foreclosing on me. I have been foghting for the rights to my title to be returned to me for 2 years. 
Now that XXXX, XXXX XXXX XXXX attorneys want to leave the case and decided to name one of their buddies as a substitute attorney for their fraudulent conveyances and fraudulent acts they have committed against the title to my property. 
SETERUS, is the worst servicer, they claim that I am in default however they never tell you your rights under the Federal Fair Debt practice act, they are unprofessional and without knowledge as to even who the lender on the deed of trust is. 
When I ask them who the lender is they state that the lender is XXXX, which is incorrect. I have also asked them who this new attorney was, that claims to be the attorney for Seterus, he goes by the name of XXXX XXXX, of XXXX attorney at law.Sererus claims they never hired this attorney to represent them. They do n't seem to know who this person is. 
My great concern is that this XXXX XXXX, is the one answering all this complaints in this portal and yet will not provide a copy of the retainer agreement. I have also asked for the copy of the note for my loan and to this date nothing has been mailed. I want XXXX XXXX, to no longer respond to my requests here until a retainer agreement is mailed to me for proof of representation. 
I have also noticed that SETERUS, made themselves the beneficiary of my deed of trust however no one allowed them or nominated them. After they made themselves the beneficiary they then gave that right to XXXX without any right or authority. 
Seterus, is in complete denial of what they themselves allowed to happened to the title to my property, I informed them what was happening when the collector was threatening foreclosure over a debt they inflated from {$50.00} to XXXX on purpose. Seterus lied and told me that a debt collector can not take the property and now that they removed my name, Seterus is being compensated by XXXX, while they have treated me very poorly. They have purposely sent their crew of attorneys to take my home and claim I have missed 2 years of payments, I will not pay a home where my name has been purposely removed from title by monsters, corrupt even attorneys. SETERUS, knows what is going on and yet continues to ask I have not been paying my loan. They are placing erroneous charges onto my statements and someone in that SETERUS, is manipulating my mortgage statements and pocketing money. Their is a XXXX XXXX, that works their possibly a relative of XXXX XXXX, perhaps committing some type of fraud. 
I am extremely upset with this SETERUS, they are not conducting themselves as a debt collector and should be shut down, the call center is a joke, no one there has an idea how loans work or even how to answer your questions. I believe this SETERUS, has been taken over by some corrupt attorneys engaged in some serious fraud.My call appears to be routed to a call center that is not connected to any real loan servicer.

Company response to consumer: Closed with explanation