Seterus Mortgage Complaint

Seterus Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Florida

Our Mortgage loan originated with - in -, then was later sold to Seterus in -. In -, my husband became active duty military, so we proceeded to ask for a rate reduction due to SCRA Act. At first, they denied my request stating that my husband was not on the Note. However, once I told them he was on all the collateral documentation, they complied by reducing our rate from - to -. I provided his military contract, which does not expire until -, -. I have always made my payments on time, never being charged a late fee. My husband has since been sent to -, for the remainder of his contract, which we decided it would be best for me to live in our home and work in Florida until his contract ends. On - -, -, I changed my mailing address on my Seterus statements to the property address. When I received my - -, - billing notice, I realized that they increased my rate back to -, even though we still are under the SCRA Act, AND made an interest adjustment to my account in the amount of $2200.00. I called Seterus to inquire about


Friday, and spoke with a different representative who said that she could see where they modified my rate and that no notification was given. She called me back to say that they would be reducing my rate to 6.00 %, again but anytime my husband left the country or came back, they needed a copy of his orders? In the meantime, we were refinancing with another company, and closed on - -, -. During our refi, the credit bureau had to call Seterus, due to them not reporting my payments to a bureau since -. Again, I have NEVER had a late payment. Today, on - -, I received a call from the title company handling my closing stating that Seterus had REJECTED my payoff, and sent a NEW payoff was sent with another figure that was approx. - more. My title Company also told me that they spoke with - at Seterus, - -, she stated that my husband was deployed and these additional funds had to do with a payment reduction of some sort due to his military service and him being - insinuating we were not making payments. I actually pay almost - additional a month, - my husband WAS NOT deployed. I then called this - to find out what she was talking about, due to her previous statement being completely false. She tried to tell me that we had to pay due to our rate reduction. I explained that the funds that they lost due to our rate being 6 % were forgiven. She said no, that they needed to be sent to FHA? I told her that I was going to - and file a complaint against Seterus, she then told me she did n't know anything about SCRA and that she would call me back. She did call back to say that the new payoff was to include monies being held in suspense? I can see on my - statement that my payment was posted, and that they did charge an interest adjustment ( increase ) in the amount of -. I have not received anything from them explaining this adjustment, or if it was even reversed. I do n't even know what date my loan began accruing the - rate again. Now I have a huge problem, as my refi has closed and Seterus is stating that the previous payoff they provided my title company was in error and I owe over - more but keep receiving false statements as to what it is for. I believe it has to do with my rate being erroneously increased and my interest adjusted. They have made so many mistakes, that I do n't trust them. I have - - mortgages at this point. They need to fix their mistakes, and I need help finding the truth.