Seterus, Inc. Mortgage Complaint

Seterus, Inc. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Indiana

I completed a 5yr Ch. - Bankruptcy in - -. During this time I had 3 different mortgage loan service providers. My current loan service provider, Seterus, took over the loan in -/-/-. The BK trustee notified me in - - that with my BK coming to an end I would be responsible for making my mortgage payment beginning with the - - payment.


While the last BK payment was made in - - the actual discharge date was not until - -, -. At that time Seterus signed-off on the loan begin current and up-to-date. When I began to make the payments directly to Seterus in -. I was able to access my account with Seterus online but was unable to set-up recurring payments ( I received a message that the account was past due and had to be brought current before recurring payment set-up was possible ). I assumed this was because the BK had not been officially discharged yet. While not able to set up recurring payments it did offer the option of making a one-time monthly payment via - - and that is how I have made my 3 payments to date ( -, -, and - - ). I have my - - confirmations as well as my bank statements showing the funds were paid on time. Once the BK was discharged on - -, - I assumed that I 'd be able to set-up automatic payments beginning with the - -, - payment but still received the " past due '' message at the end of - so I again made a one-time payment via - -. A week or so later ( about - - - ) I again logged into the website to see if it had been updated and it did finally show the account current and gave me the option of now setting up recurring payments. It also showed the correct monthly payment amount due on the - of each month with a late fee assessed after the - of each month. This was the first time I was able to see that Seterus agreed with the payment amount the trustee had told me to make. While relieved to see the account updated I chose not to set up auto-payments at that time. Yesterday, - - -, I logged into my account to make my - - payment and the account is again listed as " past due ''. That is n't possible as all payments have been made and certainly nothing has changed in the 2 weeks since I had last checked the site and everything was " up to date ''. Also troubling is that I am receiving no monthly statements from the company and no statements are available to me online either, so there is no way of knowing how the mortgage payment monies are being applied, i.e. if they 've been received and what is being applied to principal, interest, escrow, etc. There is no information about the escrow account either, i.e. what 's in it and what 's been paid out. Their FAQ section has questions but there are no answers to any of them. In - of having a mortgage and many mortgage service providers I have never encountered anything quite like this. There is no information being provided either by mail or online about the account other than an account number. The customer service phone number just loops you around and I have found it impossible to reach a live person to discuss why there is no statement available or why I 'm being told the account is still past-due. Seterus does not have a good " online '' reputation and I included a letter to the BK judge and trustee about my concerns with this company when I signed my final BK papers. I was/am hoping for the best from Seterus but it appears some of the complaints I 've read about may be well-founded. Coming out of a difficult financial situation with once again a clean slate I hope it 's understandable why I am already concerned about how this company is handling my only asset.