Seterus, Inc. Mortgage Complaint

Seterus, Inc. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Indiana

As of - -, 2016 Seterus, Inc took over my mortgage from -. Approximately the -/-/- I received a notice from Seterus stating that I do not have hazard insurance and that if I do n't get it myself they will set it up. I called the customer service number and told them about my insurance and updated my insurance information via their website as instructed. On - - I received a second and final notice of forced placed hazard insurance. Before I called, I sent in my insurance information via the website, mailed it and faxed it. Then I called and they said that since I had insurance, the forced placed insurance would not be instituted. In - I got notice of the billing for the insurance. I was charged $2500.00 for the - - forced placed hazard insurance. Again, I updated through the website, mailed, faxed and this time I called my insurance agent and asked him to update my mortgage holder with the insurance company. Again, I called and I was told that they received my insurance information and that the charge for - - would be reversed. For the past several weeks I have called 1-2


I have asked for an accounting and I was told " we have already sent it to you. '' I have requested it via fax ( have copy of request and their acknowledgement that they received fax ) and yet I have not received it. I was told it was sent on a date in - when I requested it on - -. Everytime I speak with them I am on hold for 20 minutes at a time and never get straight answers. Originally, my escrow payment was $600.00 per payment. Then it was raised to $680.00 for the forced placed hazard insurance. Since I can not get an accounting of my escrow, I do not know the exact amount that was transferred with the loan from - - -. My tax payment that was showing from - - - did not reflect my - - and therefore was showing almost double so I understand that was reflected in the $600.00 escrow payment. When I received my notice of - Tax payment I forwarded it to Seterus via Fax. They showed on the website the corrected amount of taxes within days and showed they made the spring payment. On my - -, 2016 statement I show an escrow balance of $4000.00. They only show paying - taxes of $1100.00. However, I was just told on the phone that they reversed the charge for - - but my escrow balance is only $1800.00. My balance should therefore be $2800.00. I was told on the phone just now by the escrow CSR - - that " everything is paid '' but would not tell me what exactly " everything '' was. When I called I thought my balance was $750.00 short. After talking to escrow, my balance they are showing is $1000.00 short. Details on Taxes and Insurance : I do not require PMI insurance - and - Taxes are $1100.00 each The accurate insurance is - - - $1600.00 Annually Expires -/-/2016 $1100.00 + $1100.00 + $1600.00 = $3900.00 annually approx. escrow payment should be $330.00 They are taking more than $600.00 per month. I was told after escrow analysis was done that escrow payment of $ - shows me at a $0.00 balance. I have gotten mad, I have cried, I have tried to be calm and patient. I have done everything in my power to get this fixed and I can not get anyone there to give me consistent answers and I do n't see anything being fixed. This is making my house payment about $300.00 more than it should be. It does n't look like I will ever get that back either because they tell me it 's accurate. PLEASE HELP ME!