Seterus Inc

Complaint: [redacted]I am rejecting this response because:
I am enclosing on-going correspondence with various agencies regarding the issue withSeterus.Again, it is their error and their website that reflects a broad undertow of behavior that isharmful to the consumer. Please ask Seterus:Was their website positioned to notify the consumer of an input error? No, IN FACT,confirmation number was given and no error was received by consumer on any date pastconcerning confirmation did not go through.Also, please inquire about the "multiple outbound contacts" referenced in the July, 2016letter from Seterus.I am the sole account on this loan. My phone number is [redacted]. This is my business and personal phone and the number documented on the loan. I can providerecords from Verizon that no incoming call received from Seterus during the time inwhich they allege that contact was being made. In fact, I was the initial person trying to research from their staff as to the status of the payment. Do not give my phone number tothem without first inquiring as to the number they were calling. Please obtain that number and forward to me with dates and times associated.In addition, since Seterus recommends the utilization of their website, please have them provide any email that would notify consumer of the "past-due" status. My email addresson file is [redacted] and my wife's email is [redacted] Again, she is not on the loan as I am the sole account holder as I gave her email address to you just in case they may have sent an email to that address.Moreover, in all the correspondence to and from Seterus, Mr. [redacted] whom has neverbeen involved with in depth correspondence is now the person responding, not Mr [redacted].Mr [redacted] is located in the corporate office and NOT ONCE as you note did Mr [redacted] oranyone at Seterus make reference to "multiple outbound attempts" to contact me.Was the consumer given mis-leading information about the status of the account? Yes, Please review the enclosed documents as to the date and times of Seterus staff giving consumer incorrect information and later an apology from Mr. [redacted]. But NO CHANGE in reporting me incorrectly to the credit bureaus.Please note Seterus's less than stellar rating as well as the Fannie Mae organization isinvestigating continuing to allow their loans to be "serviced" by these type of institutions.
I appreciate your time and "digging" further into this issue to change the reporting on my account to the credit bureaus. 
Sincerely,[redacted]

It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacy.  As a result, we sent a detailed response directly to the borrower today, April 1, 2016, via UPS 2nd Day Air.  We believe we have addressed the concerns...

presented.  We will remain in contact with you, as our designated Revdex.com representative, should the Bureau require any further information.

Complaint: [redacted]I am rejecting this response because all I received was a letter stating what I already know: that Seterus has still not send the documents that they promised months ago. I have received no explanation and no estimate as to when this process will be over. I'm not sure why they wasted the postage.Sincerely,[redacted]

[redacted] Please See Attached Documents [redacted]
Dear Ms. [redacted]:On behalf of Seterus, Inc., I am responding to your recent inquiry regarding the above-referenced case.It is our policy to not publicly disclose borrower specific personal information or circumstances to protect ourborrowers’ privacy. As a...

result, we sent a detailed response directly to the borrower today, August 6, 2015, viaUPS 2nd Day Air. We believe we have addressed the concerns presented. We will remain in contact with you,as our designated Revdex.com representative, should the Bureau require any further information.If you have any further questions, you may contact me directly at[redacted]Sincerely,Sharron B[redacted]Consumer and Government AffairsSeterus, Inc.

It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacy.  As a result, we sent a detailed response directly to the borrower today, June 30, 2016 via UPS 2nd Day Air.  We believe we have addressed the concerns...

presented.  We will remain in contact with you, as our designated Revdex.com representative, should the Bureau require any further information.

Complaint: [redacted]I am rejecting this response because:  
After reviewing the latest response letter from Seterus it did have the attachments that were previously mentioned ncluding the Notice of Sale.  Here are 2 issues to bring up.
1.  The phone call that was noted by Seterus on 9/12 did not occur with my wife.  We have 2 children, ages 3 yrs and 6 months so my wife would not have the time to sit down and call Seterus especially if there was no reason to call in.  Perhaps a recording of the call was saved to find out who exactly who it was that called in?  
2.  We did not receive the Notice of Sale letter at our change of residence but we did receive 2 other letters with the same type of format but they were not Notice of Sale letters.  I have attached these for review.  Not sure why we received those letters but not the Notice of Sale because our change of address was already processed with the post office since we were getting other items from Seterus.   After being told about the sale I went to the property to check the mail one last time and the post office did place a note that it was vacant so all mailings would have been forwarded.
Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:
[redacted] Home Loans Inc.(formerly Seterus Mortgage) still has not resolved my situation. There are payments that I have not been given credit for and Seterus is trying to foreclose on my home illegally. I just called Seterus on Oct. 5th and was told by Ms. Chris J[redacted] that they would not speak to me and that a letter was sent to me that I would get in 5 days. Why am I waiting again under the treat of foreclosure? I still have not been given the opportunity to speak with a vice president as I requested, regarding the accounting discrepancies. Seterus Morgage Account Number #[redacted]Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because: the second response states that they simply stand by their first response, which contained no information or directions. This second response again directed me to make mortgage payments but did not include information on how to make payments to the mod loan instead of the old loan that still remains on record due to problems that Seterus has made clear were on their end and not mine. Moreover, this response AGAIN conflicts with information and directions received from Seterus phone reps before and after it was written. It appears that no research into the problem was performed and I received another blanket response. Sincerely,[redacted]

It is our policy to not publicly disclose borrower specific personal information or circumstances to protect ourborrowers’ privacy.However, as the borrower has provided written authorization to provide your office with this information,enclosed is a copy of our response mailed directly to the borrower today, April 27, 2017, via UPS 2DayDelivery. We believe we have addressed the concerns presented.The enclosed information is for your internal use only and is not to be publically posted.We will remain in contact with you, as our designated Revdex.com representative, should theBureau require any further information.

On behalf of Seterus, Inc., I am responding to your recent inquiry regarding the above-referenced case.
 It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacy.  As a result, we sent a detailed response...

directly to the borrower today, September 16, 2016,

On behalf of Seterus, Inc., I am responding to your recent inquiry regarding the above-referenced case.
 
It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacy.  As a result, we sent a detailed response...

directly to the borrower today, October 31, 2016,  via UPS 2nd Day Air.

[redacted] Please See Attached Documents [redacted]
Dear Ms. [redacted]:On behalf of Seterus, Inc., I am responding to your recent inquiry regarding the above-referenced case.It is our policy to not publicly disclose borrower specific personal information or circumstances to protect ourborrowers’ privacy. However, we sent a detailed response directly to the borrower today, September 22,2015, via UPS 2nd Day Air. We believe we have addressed the concerns presented. We will remain in contactwith you, as our designated Revdex.com representative, should the Bureau require any furtherinformation.If you have any further questions, you may contact me directly at [redacted]Sincerely,Walter M[redacted]Consumer and Government AffairsSeterus, Inc.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Please find the attached Authorization for Release of Information.
Thank you
[redacted] [redacted]

Complaint: [redacted]I am rejecting this response because: I fear if I accept the response that Revdex.com will close this claim.   Closure of this claim prior to receiving the "written response" from Seterus is premature as until I can view their intent I cannot reasonably make a determination as to my satisfaction.  As soon as the referenced correspondence is received I will notify you and update this claim. Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:
1. How is it not the responsibility of my loan servicer to provide the borrower with a loan amortization schedule?  I did not choose Seterus as my loan servicer.  This loan was originally opened through [redacted] and changed to [redacted] who changed to Seterus.  Because if it were by choice I would never choose to use Seterus to service my loan.  I can't change loan servicers without being charged to do so.  So it is Seterus responsibility to assist their borrowers with information they need in order to best serve all parties.  As per NYS law I am entitled to an accurate account of all payments made since the origination of this loan and that's what I want.  All principle, interest, escrow payments.  Seterus has 60 days.  You keep quoting me NYS law but you are not following the law.  Here's a link I suggest the company read it.
http://www.dfs.ny.gov/legal/regulations/emergency/banking/ar419tx.htm
Section 419.7 b
2. As per your understanding of the law that Seterus is obligated to have notices sent out each time you are contacted by telephone, website or written correspondance, this only applies if there is reason to believe that their are errors in the account.  Not every time I access the [redacted] website with my user name and password.  If there's a change to my account notify me, if theres an adjustment to my profile notify me, if I request any information notify me.  DON'T NOTIFY ME THAT I ACCESSED YOUR [redacted] WEBSITE WITH THE CORRECT USER NAME AND PASSWORD!  If you have to notify me, do it by email and save some paper and postage!
Sincerely,[redacted]

It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our
borrowers’ privacy.
However, as the borrower has provided written authorization to provide your office with this information,
enclosed is a copy of our response mailed directly to the borrower today, February 6, 2017, via UPS 2Day
Delivery. We believe we have addressed the concerns presented.
The enclosed information is for your internal use only and is not to be publically posted.
We will remain in contact with you, as our designated Revdex.com representative, should the
Bureau require any further information.
If you have any further questions, you mayTell us why here...

Revdex.com:
 
first, since the last response was sent I thank you for your assistance, [redacted].  I am upset that the offers even listed in this last letter were never offered to us previously, and that we were never contacted to let us know that our payments were being held.  Then to have to deal with the customer service line, and get misinformation several times, only compounded the issue.  We will be setting up a separate account to do electronic payments, in which we will only keep the amount owed each month for payment.  We still feel that we must check every time with Seterus the payment was received, because due to the mismanagement of our issue we almost lost it all!  I would hope that your company would take it upon itself to own up and remove these items from our credit report.  Thanks again to [redacted], we now feel this issue has been resolved and the auction date was lifted.I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Complaint: [redacted]
I am rejecting this response because: seterus Inc. failed to address the fact that when the agreement was made there were no set perimeters ofdue dates or lateness or the fact that they nullified the agreement without notifying me, and although I kept my end of the agreement by continueto pay the adjusted payment amounts for five months they did not use the additional monies towards the pass balance as agreed. That is unfair and bad business practice. I want Seterus to resolve this issue by applying my money to the pass balance that we agreed upon.Sincerely,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]