Seterus, Inc. Mortgage Complaint

Seterus, Inc. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Florida

I have just received notice that - - - no longer services my loan which leaves a tremendous amount of issues left open. Now my first experience is Seterus is 'demands ' and balances and terms that I simply do not, and have not agreed to. The balances are completely wrong due to 1 ) I have maintained insurance at all times and provided that information to - several times, most recently a few weeks ago via the CFPB so that past due balance and really all calculations since their mishandling of the situation are wrong ( payments not applied, interest not accounted for ... ). 2 ) - has charged fees in the past that they could not substantiate which must be deducted from the balance due ( around $120.00 plus interest ) 3 ) - had miscalculated/mis-applied payments for an unknown period of time when they changed my payment plan from where I was paying twice a month, and it was posted twice a month, to - holding the 'interim ' payment and only posting once a month. The entire point of that payment method is to more quickly pay down the loan.


day and I have every bit of documentation to support my laundry list of issues against - - - - - - - thinks they 've gotten rid of me but I will assure them separately that that could not be further from the truth. Now to tell Seterus what my ground rules are, I do not discuss banking via phone calls or any other method than in writing, preferable email so it is efficient and fully documented. I also do not subscribe to terms that I have not agreed to and agreed to means are a part of some document I have signed ... - issue - - - consistently ignored was providing legal documentation as to the transfer of my loan from - Mortgage to then - to then - - - as I 've only signed with - company and it 's still not really clear where - enters the situation or what I 've signed with them ... So to start this off, I 'm going to tell you that I 'm not going to make a single payment until the balance is corrected. That means that Seterus is going to have to go to - - - to resolve the issues mentioned above, I have been trying for years to no avail. Threatening me with foreclosure is not threatening at all, if anything it 's a path to the courtroom which I welcome at this point. I have proof I have been trying for years to get - - - to address basic issues, such as those fees and payment processing and I have years of proof of - doing nothing and essentially providing the worse level of service possible ( none or even worse, continually telling me and the gov't they had addressed issues when they had not ). Now I will start searching for an attorney and if they advise me to resume the payments, then I will but in the mean time I will hold the payments in my own escrow account which is n't really necessary since I could pay this loan off tomorrow in cash but then that would lead to a huge payoff dispute ...