Seterus Mortgage Complaint

Seterus Mortgage department,

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

I sent Seterus Inc $730.00 via bank wire in - 2015 to cover an escrow deficiency caused by double payment of hazard insurance company.Instead, despite my instructions as per fax I sent on - ( see attached ), they miss applied the funds reduced principay y $310.00 and applied $420.00 to a new monthly installment, causing me to be a month ahead in my installment payments. When I realized in - that my escrow account was still deficient I called to request a reversal of that application. Over the months of -, - and - I continued to make my monthly payment even though I was a month ahead in the hope that they 'd correct my escrow account. After talking to -, -, - and a slew of others and more than 100 hours on the phone and being promised that it would be corrected, I received a letter from the escrow department in - but letter was dated -/-/15 - not sent timely ) .The letter still indicated that I had an escrow shortage and demanded full payment or offered to increase my monthly payment to compensate for defficiency ( see attached ). I called again on -


me : '' no, we are going to get this done ''. I emphasized that I was not going to send a payment in - and I was willing to pay a higher monthly amount to cover escrow deficiency as indicated by the escrow letter. She IGNORED me. On - -, the reversal was done except instead of applying $420.00 to my - payment ( that I never made ) and $310.00 to escrow, they applied $420.00 to escrow and $310.00 to my - payment causing me to be short for - by $120.00 and assessing my account a $10.00 late fee. Because the - payment was short by $120.00, they added that to my - payment and they sent a revised statement telling me to pay $560.00 which included a $10.00 late fee and the higher escrow monthly amount - See attached revised statement with new - payment due ). On - -, I called and requested the reversal of the late fee of $10.00 and in return I offered to authorize a withdrawal from my bank account for $550.00 ; but once again they did n't do as I asked. They withdrew from my account $560.00 which was not the amount I had authorized. I also asked for an updated escrow analysis to drop the monthly escrow amount which now was inflated. Today is - - and I just saw that the amount of $560.00 that was paid in - was once again MISS APPLIED!!!!!!! instead of covering my - shortage and - payment, someone decided to apply $410.00 of that amount to my escrow account, $330.00 to the - interest, $10.00 to the late fee ( which I requested to be waived ), and the rest of $190.00 they put in suspense credit. They now show me late for - by $430.00 which is the full payment amount ( even though they covered the interest portion of the payment ) and have tackled the - payment on top with a new late fee of $15.00 for a new total due on - - of $760.00. I am beyond sick of this servicer. I have asked - to help and they ask me to call them. When I call - they tell me a supervisor will call but no one ever does. They tell me to be patient that someone will call but no one ever did. In the meantime I keep sending money that keeps getting missapplied. Who can help me? What can I do? I do n't trust anyone that I speak with at Seterus. Why ca n't a supervisor manager fix the account on the spot? why does it have to go to another set of hands who will misinterpret the notes and ignore my requests? Why doesnt ' the person who intends to fix my account call me? How can I get rid of this servicer please? I ca n't sell this house yet because it 's undervalued. HELP please.Than