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Seterus, Inc.

Company Details

Name: Seterus, Inc.
Jurisdiction: Rhode Island
Entity type: Foreign Corporation
Status: Withdrawn
Date of Organization in Rhode Island: 29 Mar 2011 (14 years ago)
Date of Dissolution: 29 Jul 2021 (4 years ago)
Date of Status Change: 29 Jul 2021 (4 years ago)
Identification Number: 000621011
Place of Formation: DELAWARE
Principal Address: 8950 CYPRESS WATERS BLVD, COPPELL, TX, 75019, USA
Mailing Address: 8950 CYPRESS WATERS BOULEVARD, COPPELL, TX, 75019, USA
Purpose: FINANCIAL SERVICES
Historical names: Kyanite Financial Business Services, Inc.

Agent

Name Role Address
CORPORATION SERVICE COMPANY Agent 222 JEFFERSON BOULEVARD SUITE 200, WARWICK, RI, 02888, USA

PRESIDENT

Name Role Address
JAY BRAY PRESIDENT 8950 CYPRESS WATERS BLVD COPPELL, TX 75019 USA

SECRETARY

Name Role Address
KAREN L. ROBB SECRETARY 8950 CYPRESS WATERS BLVD COPPELL, TX 75019 USA

Events

Type Date Old Value New Value
Name Change 2014-02-25 Kyanite Financial Business Services, Inc. Seterus, Inc.

Filings

Number Name File Date
202199614280 Application for Certificate of Withdrawal 2021-07-29
202192929110 Annual Report 2021-02-25
202033974730 Annual Report 2020-02-08
201988757940 Annual Report 2019-03-18
201988755090 Statement of Change of Registered/Resident Agent 2019-03-18
201858788700 Annual Report 2018-02-22
201733943840 Annual Report 2017-02-13
201693126750 Annual Report 2016-02-25
201452491510 Annual Report 2014-12-29
201436169240 Application for Amended Certificate of Authority 2014-02-25

CFPB Complaint

Complaint Id Date Received Issue Product
1374641 2015-05-13 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2015-05-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2015-05-13
Consumer Consent Provided Other
1013687 2014-09-04 Loan modification,collection,foreclosure Mortgage
Issue Loan modification,collection,foreclosure
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Other mortgage
Date Received 2014-09-04
Submitted Via Postal mail
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2014-09-08
Consumer Consent Provided N/A
1357419 2015-05-01 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2015-05-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2015-05-01
Consumer Consent Provided Other
1155819 2014-12-14 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2014-12-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2014-12-14
Consumer Consent Provided N/A
102249 2012-06-15 Loan modification,collection,foreclosure Mortgage
Issue Loan modification,collection,foreclosure
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Other mortgage
Date Received 2012-06-15
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2012-06-20
Consumer Consent Provided N/A
453722 2013-07-10 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2013-07-10
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2013-07-11
Consumer Consent Provided N/A
1374642 2015-05-13 Credit decision / Underwriting Mortgage
Issue Credit decision / Underwriting
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Other mortgage
Date Received 2015-05-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2015-05-13
Consumer Consent Provided Other
1282924 2015-03-13 Credit decision / Underwriting Mortgage
Issue Credit decision / Underwriting
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2015-03-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2015-03-20
Consumer Consent Provided N/A
1305557 2015-03-27 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Other mortgage
Date Received 2015-03-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-04-01
Consumer Consent Provided Other
1603152 2015-10-12 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional adjustable mortgage (ARM)
Date Received 2015-10-12
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-10-12
Consumer Consent Provided Other
417583 2013-05-28 Loan modification,collection,foreclosure Mortgage
Issue Loan modification,collection,foreclosure
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Other mortgage
Date Received 2013-05-28
Submitted Via Fax
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2013-05-30
Consumer Consent Provided N/A
1202423 2015-01-21 Loan servicing, payments, escrow account Mortgage
Tags Older American
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2015-01-21
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-01-21
Consumer Consent Provided N/A
269132 2013-01-28 Settlement process and costs Mortgage
Issue Settlement process and costs
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2013-01-28
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2013-01-29
Consumer Consent Provided N/A
1291598 2015-03-19 Credit decision / Underwriting Mortgage
Issue Credit decision / Underwriting
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2015-03-19
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-03-19
Consumer Consent Provided Consent not provided
1305556 2015-03-27 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Other mortgage
Date Received 2015-03-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2015-03-27
Consumer Consent Provided Other
488263 2013-08-12 Loan modification,collection,foreclosure Mortgage
Issue Loan modification,collection,foreclosure
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Other mortgage
Date Received 2013-08-12
Submitted Via Referral
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2013-08-14
Consumer Consent Provided N/A
2756178 2017-12-15 Struggling to pay mortgage Mortgage
Issue Struggling to pay mortgage
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2017-12-15
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-12-15
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
1765555 2016-01-30 Loan modification,collection,foreclosure Mortgage
Issue Loan modification,collection,foreclosure
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2016-01-30
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-01-30
Consumer Consent Provided Consent not provided
2033111 2016-07-27 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2016-07-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2016-07-27
Complaint What Happened My wife and I were rolling my current mortgage with Seterus Inc into a line of credit at XXXX XXXX XXXX. I called Seterus on XXXX XXXX to inform them that a closing was scheduled for XXXX XXXX at XXXX and that my loan with them would end on that date. Since my payments are due at the end of the month and I normally send an online bank check on XX/XX/XXXX, I asked if I needed to send in my XXXX XXXX payment. They said I did not need to send it in. Considering XXXX had called them the week prior for the payoff amount thru XXXX XXXX, they were going to get all that was due to them regardless thru XXXX XXXX. On XXXX XXXX we closed on the XXXX line and on XXXX XXXX I received a letter from Seterus that my loan was closed out and paid in full and that within 30 days they would contact me if they owed me money back for escrow, interest, etc, which they will owe me. On this same exact day, Seterus sent me a generic mailer stating " you 've missed a payment, we can help you. '' We ignored that as simply an auto generated letter. Meanwhile, my daughter and son in law are buying a new home and my wife and I are co-signers. Their mortgage company ran my credit in XX/XX/XXXX for this loan and it was perfect as their co-signers. However, since so much time had passed, they asked on XXXX XXXX if they could run it again, and I OK 'd this. They called me right back stating that Seterus reported to the credit bureaus that I missed my XX/XX/XXXX payment and this in turn dropped my credit score by XXXX+ points and now with this new low score, my daughter 's loan is on hold until this is fixed. I called Seterus immediately and spent over XXXX hour on the phone with them asking them to immediately report this as their error and they stated that they would, but when I asked them to send me a letter in writing confirming this and they said they will not and added that I needed to wait for another department within Seterus to review this and then they would submit it. She said the process will take XXXX to 40 days. My daughters mortgage company said that all they need is a letter from Seterus stating this was their error and that they are withdrawing it from the credit bureaus and we can move forward. Seterus confirmed on the phone call yesterday that I called in on XXXX XXXX and asked if I should make the payment and they instructed me not to. My grave concern with this is that I can not wait 15-40 days and that Seterus has been HORRIBLE at bookkeeping and has made NUMEROUS mistakes on my account in the 20 months they held my mortgage, and I would n't be surprised if it happens again. I need them to fix their error immediately. In fact, one of the reasons we closed out this loan was to get away from this HORRIBLE company. Their first coorespondence to me when XXXX sold my mortgage to them was a letter saying they were foreclosing on my property for non-payment. I called them and asked who they were and they said they just bought my loan and needed immediate payment. My payments went from my web banking to XXXX so XXXX contacted me and said they would forward them my first Seterus payment. XXXX months later they said I was one month behind in my payments and I informed them that I sent them 7 payments over the 6 months they had my loan so I was ahead. They then agreed. They then sent me a letter stating I did n't have any homeowners insurance and they would be adding {$6000.00} to my loan to pay for their own insurance. I called and faxed them my homeowners policy. Six months later they sent the same letter so I sent them the policy again. XX/XX/XXXX they sent me a letter saying my escrow was in the negative by $ XXXX+ so my mortgage was going from $ XXXX/month to $ XXXX+/month to cover it. I called and told them this was impossible as my taxes are $ XXXX/year and I pay my own insurance. A week later they sent me a letter stating my monthly payment was going down to $ XXXX/m
Consumer Consent Provided Consent provided
2359733 2017-02-24 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2017-02-24
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2017-02-24
Complaint What Happened We were forced to short sell our home. The sale closed, the title was transferred to the new owners. Under duress, we were forced to sign a promissory note to pay back the difference to the lender. Our financial situation has deteriorated since then unfortunately by a divorce, with XXXX young children involved. We need relief and feel as though it is unjust to pay for a mortgage on a home that we no longer own. This may force us to go into bankruptcy.
Consumer Consent Provided Consent provided
986319 2014-08-15 Credit decision / Underwriting Mortgage
Issue Credit decision / Underwriting
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product FHA mortgage
Date Received 2014-08-15
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2014-08-15
Consumer Consent Provided N/A
2035753 2016-07-28 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional fixed mortgage
Date Received 2016-07-28
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-07-28
Consumer Consent Provided Consent not provided
2727938 2017-11-13 Struggling to pay mortgage Mortgage
Issue Struggling to pay mortgage
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2017-11-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-11-13
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
2589809 2017-07-30 Trouble during payment process Mortgage
Issue Trouble during payment process
Timely Yes
Company Seterus, Inc.
Product Mortgage
Sub Product Conventional home mortgage
Date Received 2017-07-30
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-07-30
Consumer Consent Provided Consent not provided

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Date of last update: 15 Oct 2024

Sources: Rhode Island Department of State

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