Seterus Mortgage Ocwen Mortgage Illegal Foreclosure Attempt, Fraudulent accounting, Harassment Beaverton Oregon
I had Ocwen Mortgage as my loan servicing company at the beginning of 2015, and was trying to resolve a discrepancy in their accounting with my own accounting. I showed that I had over paid them and they were dragging their feet to provide any response. Around June 2015 I got a letter from Ocwen stating that I would be transferred to Seterus on September 1, 2015 and that if I wanted to apply for a loan modification, I needed to do it before then as it would not be possible later. I was not looking for a loan modification so I did nothing except pay my monthly mortgage bill.
I paid my August bill to Ocwen and then received a copy of the final accounting for my escrow account, and began receiving a multitude of correspondence from Seterus in advance of them taking over my mortage servicing. One package was for loan modification, one was a BLANK payment coupon with NO indication of my monthly payment amount, one stated that approximately $680 was being held in a "suspense account" because I had "submitted partial payments" that could not be applied to my mortgage, and one stated that I owed Seterus $1050 for advancing costs of foreclosure and $105 for my title search. All of these notices came in advance of me ever paying Seterus a single penny and while I was current on my mortgage payments to Ocwen. I filed a dispute immediately with Seterus and filed a complaint with the NC Attorney General and the NC Commission of Banks, the agency with direct oversight for this kind of issue.
In looking at the alleged "partial payments" being held in a "suspense account", it appeared that begining in April, Ocwen transferred the escrow payments to Seterus, since each month from April through August showed precisely the amount of my escrow payment being received by Seterus and NOT APPLIED to escrow!
The weeked of August 29, 2015 I was shocked to receive a Fed-Ex envelope which contained an unsigned and undated notice stating that they would not accept any payment on my mortgage since I am in foreclosure, with a check from Chase Bank for the amount of my August payment to Ocwen. I was billed by Ocwen for August and my automatic bill pay through my bank paid them as usual, only to have Seterus return my payment through their processes.
Next I received another correspondence from Seterus alleging that I was in arrears approximately $20,000 and had until October 28, 2015 to pay that or face foreclosure. Since I am aware this entire process is fraudulent and illegal, and that my filing a complaint will not stop a foreclosure, I am meeting with a bankruptcy attorney tomorrow to get help to avoid foreclosure and allow a Bankruptcy Court judge to adjudicate this breach of justice on my behalf.