| 07/14/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
This complaint is concerning the joint actions of individuals to exploit a single financial contract originated in XXXX by XXXX XXXX XXXX XXXX recorded and identified as # XXXX in XXXX XXXX XXXX XXXX of the XXXX XXXX Georgia Land records . These individuals and entities deliberately ignore the multiple ways this transaction is completely void and uncollectible.
Without rehashing the 17 year history of fraud and exploitation linked to this one single transaction that can and has been tracked and documented, I will state the key points that make the identified transaction void and uncollectible.
Conformation of Rescission received at XXXX on XX/XX/XXXX This transaction has been fully paid multiple times.
At no time has any servicer or representative sent a letter or request for payment on loan # XXXX, yet this is the deed being presented as being in default.
XXXX demanded payment on loan # XXXX XXXX was made to surrender their mort. License for their fraudulent mortgage servicing files and practices.
-XXXX XXXX XXXX XXXX demanded payment on loan XXXX XXXX XXXX XXXX is currently under consent XXXX again for a list of indiscretions too long to list, all mortgage related.
-Selene Finance sent letters demanding payment on loan # XXXX First, the identified transaction # XXXX was lawfully rescinded XX/XX/XXXX XXXX XXXX ( per Georgia and Federal law ) confirmation of delivery retained and all parties involved in this scheme have full knowledge of this fact. Transaction # XXXX was but 1 of 2 transactions rescinded to terminate the failed agreement with XXXX in XXXX. Notice is all that was required with XXXX in XXXX to terminate the contracts. Tila Rescission is a statutory law to provide a private, non-judicial process to rescind mortgage loans. This is no secret to those addressed in this complaint.
Rescission may create a controversy and in this case XXXX could have filed suit to have a court settle any alleged controversy in XXXX, but XXXX did not.
Secondly, The Security Deed and related NOTE identified by transaction # XXXX recorded XX/XX/XXXX in XXXX XXXX XXXX XXXX has been fully and legally satisfied by payment being received and applied to the transaction on XX/XX/XXXX in the amount of {$130000.00} ( {$130000.00} in Principal and {$4100.00} interest ) leaving NO remainder. In NonJudicial Foreclosure states servicers have no fear of ignoring the statutory law of rescission. Payments become extortion, if you don't pay, they foreclose.
The transaction history sheet of loan # XXXX from XXXX has been provided to XXXX, XXXX XXXX XXXX XXXX, and the law offices of XXXX XXXX XXXX XXXX as they presented themselves to be representing Selene Finance, the servicer of a trust by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Tracing the most recent bogus chains of title we start with the fabrications of XXXX XXXX with the aid of XXXX. XXXX presents as a servicer for XXXX XXXX and demands that I pay on XXXX # XXXX. Immediately, I got successive letters from XXXX denying a request that I never made, because I had no affiliation at all with XXXX. I asked XXXX to verify this debt and loan # XXXX they were demanding payment for and they sent a copy of the deed recorded and identified as Loan # XXXX, which is the deed and note I have record of as being fully paid.
After 10 years of refusing to file the cancellation of # XXXX XXXX records two successive assignments to facilitate the attempted theft of my property by XXXX XXXX as the servicer for XXXX XXXX.
Unfortunately, transaction # XXXX with all of its flaws and fabrications was bundled and sold to XXXX as a whole loan transaction XX/XX/XXXX. The absence of transparency in the mortgage industry hid the knowledge of XXXX having purchased the bogus transaction from me until about XXXX. Once I was aware of XXXX involvement from that point forward I maintained direct dialogue with XXXX to gain information pertaining to what took place with the transaction. This is reason # 1 why XXXX did not acquire this transaction through its purchase of some of XXXX assets. XXXX was kind enough to send written confirmation of their purchase date and at most XXXX would have only been a servicer if the contracts had not been rescinded.
My primary work was with the XXXX XXXX XXXX XXXX since the XXXX and during the early and mid XXXX I was also a XXXX XXXX XXXX and working as XXXX on a team tasked with addressing the concerns of laws enacted to shore up the housing market and the economy. XXXX XXXX XXXX XXXX had a limited POA that was no longer valid when XXXX filed those unlawful claims of ownership that contradict XXXX claim of ownership of transaction # XXXX.
XXXX direct became the only reliable source of information pertaining to transaction # XXXX and its true history. I requested the complete loan file to audit and was shocked at the ridiculous information that was submitted on the loan application and that was supposed to have been completed by me and obviously was not.
I knew the information from XXXX XXXX was absolutely false. However, I needed current confirmation of no balance owed to XXXX XXXX since XXXX XXXX says in their correspondence that they are collecting on behalf of XXXX XXXX. The loan was unknown to me and unrecorded.
XXXX XXXX was kind enough to research not only the FNMA account number and XXXX recorded number ( XXXX ) that was associated with the aforementioned Deed in question, they also searched for the alleged loan number of XXXX XXXX ( # XXXX ) and there was nothing to be found. Then we requested a search using the property address and no debts of any kind related to the property address of XXXX XXXX XXXX XXXX XXXX GA XXXX were found. XXXX XXXX stated and confirmed they had no interest in my property. I provided a very long list of correspondence and contacts from prior years that contradicted what XXXX XXXX was claiming to support my claims of wrongdoing being done in the name of the XXXX and a XXXX supervisor was quite willing to assist me.
The harm of XXXX XXXX and others creating loan numbers at will, can be found in many cases and not just mine. For example, a case was presented to me where another Georgia family was threatened to be taken to the courthouse steps three times while XXXX XXXX was acting as a servicer for XXXX. The recorded deed and note were full paid. The Court ordered the filing of the cancellation of the Deed. Yet, the family was driven to court multiple times thereafter to put a stop to the sale of their home by foreclosure.
These so called servicers were represented by law firms acting as debt collectors. None of these alleged loan numbers have a loan file to support them nor can it be reasonably assumed that the bogus loan numbers are cross referenced with the actual recorded deed or account as all accounts would reflect the full paid status.
I have spent more than 25 years working with cross referenced systems. Servicing accounts is not the goal evident here, rather the liquidation of assets is what is in view.
There is no due diligence and the parties already are aware of the non-viability of most of these transactions.
XXXX XXXX knowingly participated in filing false documents against my property attempting to defraud by misrepresenting that they were acting on behalf of XXXX which XXXX denied.
XXXX XXXX XXXX XXXX XXXX XXXX mails me letters stating that the servicing of the loan ( I did not have ) with XXXX XXXX has now been transferred to XXXX XXXX to collect for XXXX XXXX. Then XXXX XXXX demands payment on loan number # XXXX. Another loan number and another misrepresentation of collecting for XXXX XXXX. During the pandemic and after documentation had been sent to XXXX XXXX this company tried to list my property for sale on a non-public online foreclosure auction site and a realtor did not find any other public notice of the sale. I was in the hospital and a law firm was participating in that scheme XXXX XXXX XXXX XXXX XXXX conspired and did cause to be filed in the XXXX XXXX Ga recorder 's office false documents. I provided documentation to XXXX XXXX more than once and they were to verify and contact me back and the next thing I get is a letter from SELENE.
SELENE Finance sent a letter through the mail stating that the servicing of the loan that XXXX XXXX 's claim for XXXX was now transferred to SELENE Finance. Then a week or so later I was informed the alleged loan was now owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Selene Finance presents themselves to be the servicer for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Selene further claims the TRUST they are servicing purchased loan number # XXXX from XXXX XXXX. The loan that XXXX XXXX claimed to be servicing for XXXX XXXX that XXXX has no knowledge of. Selene Finance is sending letters now demanding payment on Loan # XXXX. There are no recorded transactions linked with that number either.
Multiple times have I furnished the same information to Selene as I have with the other listed above. I have been promised call backs and none are received. I have been given the name and title of specific individuals who are to receive the information only to find out when I call back for a status that no one knows the individuals and the specialized department is apparently fictitious. XXXX XXXX is the name on a form letter and she is supposed to be a member of SELENEs Executive Resolution Team. The contact number for this person goes to an individual that may have been at home and had never heard of the Executive Resolution Team. Then there is the XXXX XXXX the Ombudsman that no one knows and another fake position no representative is aware of. The representatives state quite freely that they buy mortgages in bulk and they can not verify the transactions and that they dont have too.
Selene Finance letters state that they are a debt collector and they do not verify the debts although due diligence is a requirement, but most certainly when it is brought to their attention that there is an error they should make the effort.
Selene Finance engaged the law firm of XXXX XXXX XXXX XXXX to aid them in foreclosing on my property.
Selene Finance had me following endless trails to nowhere waiting for the information to get in specialized hands that apparently could not be found. This began with Selene in XXXX. While Selene had me pursuing and waiting for ghosts, Selene hired XXXX XXXX XXXX XXXX to liquidate by foreclosure.
I had a family member that had a XXXX XXXX went into XXXX and died shortly thereafter. The week following the funeral and still no response from Selene, I took documented proof directly to the offices of XXXX XXXX XXXX XXXX at the direction of Selene Finance. We recorded what was in the envelope and delivered it directly to the law office hired by Selene. When I entered their office they authenticated my identity and asked for the last four digits of my SSN. The staff was quite welcoming until I stated the error that was about to take place and that their client was not responding to information that had been provided.
XXXX XXXX XXXX XXXX told me they can not accept any information from me in their office, however their debt collection letter to me stated no specific process. I was told I would have to send documents by fax or email to a specialized team. This person has authenticated my identity and understands that her law office is planning to foreclose on my paid for home in the matter of less than a week. Why did the person not forward the documents to the appropriate person or team within her law firm? She verified my identity.
Having no options other than another potential runaround and delay. I left the information with their office that verified no balance and the fact that transaction # XXXX was rescinded in XXXX and I know that the law office of XXXX XXXX XXXX XXXX knows the statutory law of TILA Rescission. This file was left in their office at XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/XXXX approximately XXXX XXXX after a 20+ minute visit and was also emailed to said specialized team.
XX/XX/XXXX XXXX XXXX XXXX XXXX conducted a public auction on the XXXX XXXX courthouse steps late in the afternoon, hours after a morning auction by Auction.com wherein they had another property auctioned off. Someone would show up at my home XX/XX/XXXX with a notice to post on my home dated the day of the sale XX/XX/XXXX. This young man stated he worked for the company ( XXXX XXXX XXXX XXXX XXXX ) that purchased my home for foreclosure. I informed him that was not possible because there was no balance owed on my home and that there is an error and he stated that XXXX XXXX will rescind as it happens quite a bit and that his employer would get their money back. Although, the young man stated that there was no foreclosure deed filed or provided he was attempting to post something on my door.
XXXX XXXX XXXX XXXX failed in due diligence to verify the alleged debt.
Conclusions Selene Finance mailed me letters demanding payment on Loan # XXXX Selene claims trust purchased loan from XXXX XXXX XXXX XXXX XXXX XXXX mailed me letters demanding payment on loan # XXXX as Servicer for XXXX XXXX XXXX mailed letters stating service transferred from XXXX XXXX on behalf of XXXX XXXX XXXX mails me letters demanding payment on loan # XXXX as Servicer on behalf of XXXX None of these loans have I entered into.
XXXX extorted over {$210000.00} out of me. XXXX has a very long history of complaints of people waiting for and petitioning congressional reps about delaying and refusing to file cancellations of deeds in county records, most especially those tied to suites and settlements.
I have not read a single deed or note that stipulates that the homeowner agrees to pay additional or any amount towards an unknown unrecorded account.
Not one alleged servicer, alleged owner, or attorney has sent a letter requesting payment on the only recorded loan # XXXX. They are aware that it is uncollectible having been rescinded and more than fully paid. XXXX XXXX even stated they could not accept a payment with loan # XXXX on it.
There is no possibility of a default on loan # XXXX if no one has requested a payment on that loan Power of sale clause in a deed that is not in default can not be exercised.
How is this any different than XXXX XXXX creating accounts without the knowledge of their customers and transferring funds to accounts without customers knowledge?
|
| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Greetings, On XX/XX/XXXX I contact Selene Finance my mortgage lender and requested a forbearance. At the time I was two months behind in my mortgage. The call center representative checked to see if I was eligible for a forbearance and stated that I was and instructed me to download an application from the company website and submit. I was informed I would hear from Selene within a week.
I asked if he would lead me to the document to download and he did. On XX/XX/XXXX I submitted a request for a forbearance via online email and certified mail with all requested attachments.
I waited two weeks and when I did not hear anything, I called Selene Finance the week of XX/XX/XXXX and was inform my request for the forbearance was approved and I would be getting a package in the mail within another week. I waited more than a week and contact Selene Finance again and was surprised to learn I was not approved for the forbearance and that Selene has no record of my request for a forbearance.
Please see my letter dated XX/XX/XXXX requesting a forbearance. I did not attach the full document, but the letter that included the hardship clause stated why I needed the forbearance.
The call center representative proceeded to tell me that a loan modification was being processed and that it would take about 30 days to provide me an answer. I informed her that I did not ask for a loan modification and what happened. She said she did not know and I asked to speak to a loss mitigation specialist. I was informed the name was XXXX XXXX and that he was not available. I asked to leave a message. For more than two weeks I called several times a week to Mr. XXXX and was unsuccessful. I was told he was not in his office, in a meeting, and not available. To this day I have never spoken to Mr. XXXX.
The week of XX/XX/XXXX I spoke to a call center representative who informed me that I filled out a loan modification form and that is why it was processed. I informed her the loan modification form is the same form used to request loan modification, forbearance, deferral, etc. She said I was wrong and that I would hear from Selene via mail with the outcome of the review process.
I again asked to speak to Mr. XXXX and received no answer. By this time I began submitting complaints online to customer service that my calls were never return from a loss mitigation officer. I would receive responses that they will review my concerns and notify me afterwards.
Every call to Mr. XXXX was my application was being reviewed and that I can leave a message. Unfortunately, I received a letter from Mr. XXXX on XX/XX/XXXX, but dated XX/XX/XXXX to provide additional information by XX/XX/XXXX. I could not understand why I received a letter after a deadline to to respond. I call Selene again, and got a call center representative that could not connect me to Mr. XXXX. I informed the call center representative that the additional information requested did not apply to me.
A sample of the additional information request was tax returns, rent receipts and unemployment letter for my son. He is XXXX and I provided Selene with his XXXX letter and Food Stamp letter for XXXX.
His name is listed as a dependent on my tax returns so he is not employed, doesn't file taxes or collects rent receipts. I was asked similar questions of which I am self-employed, do not have W2 's and I file a schedule C for my business on my tax returns.
I was not give any time at all to respond to Mr. XXXX by issuing his request on the XXXX of XXXX and giving me until XX/XX/XXXX but receiving the letter on XX/XX/XXXX. And again, he was not available for me to dispute the need for information that did not even apply to me. My application was therefore complete and should have been sent to review to the underwriter. Instead I was put in a bind from his error and to this day he has not owned up to his error.
The call center customer service representative agreed that those questions did not apply to me and for me to dispute them in an email to customer service in the form of a complaint. In addition, I asked the representative if I can do a repayment plan instead and that I had {$4000.00} to put toward my mortgage and was only short {$40.00} of which I could have easily paid and would only owe for the month of XXXX in the month of XXXX. My application stated that my need for relief was temporary. As of XX/XX/XXXX, my business started to slow down due a new variant and my customers became concerned and were awaiting to get the vaccine, so business was a little slow for me. As several months went by, as stated, business started picking up and I was in a position to meet my begin paying my mortgage. The reason I had not paid my mortgage was I was awaiting a forbearance and later was informed I was in a loan modification and awaiting the outcome. By XXXX I had XXXX - XX/XX/XXXX mortgage.
The call center representative informed me he could not accept payment from me because I was in foreclosure after my file closed. I was encouraged to submit another loan modification. For fear of more confusion, I submitted another loan modification but did not include my son. I was denied because I did not have enough income.
At this point my new point of contact was XXXX XXXX. He too never returned my calls and the call center representative filed an online complaint to customer service. He encourage me to file an appeal and that too was denied. When I called to question the appeal I was informed that the appeal was not an appeal for me to report wrong doing, but to substantiate that the underwriters did not make an error in the previous findings. I am now confused.
At no time did anyone give me other options when the first modification was turned down. I was led into foreclosure and now no one would talk me about options. I received letters each denial offering me a short sale or deed-in-lieu. And yet again, I am encouraged by the call center representative to submit another loan modification and if I received new income report that and it will go to review. I informed him my daughter lives with me for about 4 years and suggested I include her. My daughter pays the utilities and he instructed me to show her last two paystubs, proof of the utilities she pays and a hardship letter. This was all included along with my sons XXXX letter from Social Security.
I no longer had confidence that Selene was acting in good faith on my behalf and I believe there is either a dysfunction in the office or a deliberate attempt to secure my property. Based on this discomfort, I contact my attorney to inform them that I submitted a third modification on XX/XX/XXXX and am unsuccessful speaking to a loss mitigation specialist. I am receiving instructions and corrections from call center representatives every time I call and they are all providing me different answers to my same questions and its very frustrating. My attorney sent a letter on my behalf instructing them to respond or risk a case against them and payment of all legal fees.
Please see Selene 's response letter to my attorney. In addition, please see letter dated XX/XX/XXXX where Selene is now offering me several options to get back on track with my mortgage. I am being offered a repayment plan, temporary forbearance plan or modification. In XXXX I was not offered anything to rectify my arrears and not one loan officer would speak to me. This letter was submitted to me by XXXX XXXX from the Loan Resolution Department. I asked to speak to her and was informed she was not available. It took 4 calls and a very determined call center representative to give me the number to her superior and I left a message with him. She called a day later with an attitude that she never heard from me. I informed her that the representative stated they were texting her and her boss messages to contact me. And that the last representative gave me her boss number and evidently he contacted her.
Once we got past that issue she checked my loan modification and informed me that I only needed a couple of corrections on two documents and my file was ready for the underwriter. She apologized for the confusion since XX/XX/XXXX and that she would follow my case and keep me posted. I never heard from her again. I received a letter dated XX/XX/XXXX that I would be hearing back from Selene on the modification by XX/XX/XXXX.
I have not heard back from Selene and so I called several days ago only to hear my application has been denied due to excessive obligations to my income. I did not receive a letter via mail and only when I called a recording informed me my loan modification was denied and I spoke to call center representative name XXXX who submitted another formal complaint to customer service online, requested Selene send me a reinstatement plan that included attorney fees and a copy of the letter informing me the last loan modification was denied. She also stated that if I had new income to report I could do another loan modification or request a forbearance or deferral. I have not gone full circle with Selene being given the run around.
There is no consideration that all of my bank accounts showed steady balance of over {$2000.00} after expenses. My daughter 's bank account reflected sufficient income and she submitted one of her savings accounts with a balance of {$8000.00}. And my son receives {$770.00} a month from social security.
My mortgage is {$1100.00}. I am currently owing {$10000.00} of which I have. And yet I am only offered a short sale and deed-in-lieu. I do not have a lot of expenses. Since XXXX my monthly income to include my son and my daughter 's contribution is over {$5000.00} a month. My daughter is in a position to contribute more based on her income and stated she would to ensure we are meeting our housing obligation. She has received a raise over the last 120 days and as of XX/XX/XXXX, I entered into a new contract with my client paying me a {$3000.00} a month retainer for coordination and editing services. I have been with this company for 4 years and since COVID-19 along with several other corporate account my services was suspended. I received my first payment on XX/XX/XXXX via XXXX to my business account. I informed Selene of this contract in XXXX via email with letter. XXXX retainer has increased due to added responsibilities.
I have not been able to discuss any of this with an officer because no one will return my call. No one will give my promised options in the XX/XX/XXXX letter. I have been informed of this decision by another loan officer XXXX XXXX. Since XXXX I have had 4 loss mitigation officers to never return my calls. 16 call center customer service representatives giving me 16 different instructions on what to do to get my questions and concerns answered and to no avail.
I will submit another request for a forbearance and I do have the resources to pay my rent. But I should not be asked to pay legal and additional fees to reinstate my loan from foreclosure status. There have been inaccuracies, poor communication, lack of professionalism, and downright poor customer service and treatment once I was informed there was no record of a forbearance. An unwillingness to investigate this error, ignore my customer service complaints by providing me form letters with absolutely no follow up, to refuse to accept payment after a known error was made and to finally 8 months letter send me a letter stating concern to assist me options when I was refused all other options accept short sale or deed-in-lieu.
Finally to hold me accountable for legal fees when I received not one indication in XXXX, XXXX and XX/XX/XXXX that I was about to go into foreclosure if all arrears was not caught up while I am trying to get forbearance. And to mail a letter requesting information to complete the 1st application submitted in XXXX and waiting until XXXX to send me a letter requesting additional information after the XX/XX/XXXX deadline and then closing my case putting me in harms way. Why did it take Selene over two months to respond to my request in such a disturbing matter and punish me for it.
I need your help because I believe I will receive a sale date in the very near future. My attorney is through XXXX XXXX and they pretty much prepare letters. I am not so sure what they will do and if they will pursue Selene and charge them all legal fees. I reached out to them a few days ago and have not heard back from my representative yet, however she advised me to file a complaint with your office and that she is very well aware of Selene 's reputation as a predatory lender. I honestly have to say I have never had a problem with Selene Finance. They have provided me several options over the years and I just do not know what happened to them. I do know that I looked at the reviews from their customers and see my problem is not new.
Please investigate this situation with Selene, I am in urgent need of your help. I am the XXXX of an adult son with XXXX XXXX XXXX and XXXX. Just XXXX alone he has been in the hospital twice as his XXXX has gotten XXXX. I need to focus my attention on my son 's health and my business which is doing well. I do not want to choose foreclosure as an option for Selene 's mishandling of my case. Its been a long and drawn out situation and time for a fair resolution. I have my mortgage money and should not be in foreclosure or subjected to pay fees because of their negligence.
Thank you for our help.
|
| 05/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Control freaks.
Yall have to control every single aspect of this environment from beginning to end having actual homeowners who go up against you in court under a " veil '' from being hacked so they are under control not even knowing they are going through the process of facing their mortgage company maybe not in court or at a trial or anything but still through the process of coordinating with their lawyer getting them necessary information needed to coordinate or discuss with other side you brought suit against. The whole time there's a hacker relaying information straight from the source ( you ) and turning over evidence required that you obtain/gather along the way where any questions that arise along the way and asked of you done so in the most unorthroxed of ways that I wont even bother to get into.
At the worst or in the middle of whole horrible experience you have the homeowner going through a state of XXXX on a daily basis so many times at XXXX point i literally started looking into trying to check myself into the state hospital here down the street from where i live because I had to many episodes in row i was worried about the damage being done. All because my mind was trying to hard to figure out what it couldn't understand over and over every day from the made up completely controlled fake world you had this hacker put me in so that you can go about the legal process, without me actually being there, so you can completely control that process to.
You had all these lawyers act in a manner so unreal with the way they would not only take up my case but not even acknowledge any of the blatant obvious tings wrong with what's on my statements to the point they came across as incompetent at first, and fraudulent themselves afterwards when my mind no longer bought that. All of them I reached out to came at with some XXXX tactic to turn me down not one of them them telling me the truth to what's really going on and why they will not take up my case and all of them acting as if they had very limited scope of knowledge of this area of law they operate in. The bankruptcy lawyer knew nothing of foreclosure defense or anything other than bankruptcy to save your home. The loan modification lawyer which shouldn't even exist ( you apply for mortgage assistance and either qualify or not, its not subjective and not determinant on any argument that could be made, least of all by a lawyer representing you ) didn't know what RESPA laws were. Doing things such as taking {$500.00} of my money i paid for a document review and then sit there for the next hour giving me my money 's worth of " why you should never take these big banks and mortgage companies to court or trial '' but ot reviewing one single document i sent over at all and i had to sit there and take it. Over and over, lawyer after lawyer i reached out to, not acting any manner that came across like they are there to help you and at most would have a first time good conversation with you on the initial call taking as much information that you could give in the timeframe of the call and then completely dodge or ghost you from that point on that it felt like all they really did was deliberately take your call to pump you for the information that you knew and then submitted it to the other side. At one point i literally thought there was this whole corrupt system of big bank, lawyers, judges, institutions, etc. all made to make sure the homeowner never reaches court so that we lose our homes. Breaking rules, going against their code of ethics, saying things in a humorous manner like they are playing coy or like this is some kind of game, and not one single one them telling me the truth or why it was they couldn't help me or take up my case or why they can't acknowledge what's obviously wrong that shouldn't be there on my statements.
All the while, I'm to now believe, my case I initially hired XXXX XXXX XXXX to bring suit against PHH for, was actually going through, just not with me actually being there or with 1st hand knowledge of it or the whole process, least of all having 1st hand involvement. I had a hacker who acted more like that of liaison for me with the way he obtained necessary information, evidence, documental support to anything I say and relay it to the other side or with my lawyer so that the process and lawsuit can proceed. Everything from questioning me, getting my 1st hand explanation of topic at hand, going out and checking my " credibility '', even having known contacts signing actual affidavits attesting to the type of people my parents were!, all without me having the slightest clue of this going on. All that time I was busy out here being chased, harassed, discriminated against, and even demoralized by these clowns you hire out here to target homeowners doing all kinds of things to me while doing absolutely nothing at the same time really at all. Being isolated from my friends and family members trying desperately to get help to stop what was going on to me that I knew was 100 % completely wrong.
The worst part though, yes, the absolute worst part is finding out the date when my lawsuit against PHH, a lawsuit for years i was led to believe never even got off the ground let alone went through to the point it actually settled or the date transfer of deed occured.
XX/XX/2022 Nearly one year ago today, my lawsuit against PHH for illegal foreclosure/breach of contract wrapped up, competed, and settled. And not one single person told me. Not one single person called me or sent word by mail or informed me of anything remotely close to any information that this happened. No one even told me that as part of the settlement, the deed to my home at XXXX XXXX XXXX in XXXX XXXX, Tx was actually transferred over to me. Filed with XXXX XXXX, just not recognized apparently so XXXX at all stopped what came after this date of transfer, XX/XX/2022. I had to get completely thrown out of my home, evicted, and made to live in a homeless shelter at XXXX point where I am still homeless living the woods to this day to a home I'm to believe, I always owned. A group, who steals titles to homes, throws people out, hacks in and puts staged deed transfer documents XXXX XXXX websites to make look legit where they use to file suit for eviction stole my home where they are now selling it as I speak. And I'm to believe you, PHH, the institution that wants to control everything in this area from beginning to end including lawsuits they lose, couldn't stop them. That's what I'm being sold or what I am now being asked to believe.
You want me to be grateful or humbled for being in the position that I am after everything I've been through. Homeless, everything taken from me that I know, everyone ripped from me that I love, but in a position that is so rare that I believe, few ever get the chance to experience. To come back after losing everything from going up against these big mortgage companies in court, where its the homeowner, not the big bad ever powerful all knowing mortgage company, that gets the win. But its rarer than that. This protocol you use is not XXXX for homeowner 's in my position. It's XXXX for liar loans. Yes, liar loans where what's shown on their statements, just like mine, needs to be sealed so it actually puts them in a position where they actually do get their day in court, even if the lie they committed when they applied for their mortgage makes their mortgage invalid where it really shouldn't be there. Turns out, they to, no different than the position that i am in now, up against their mortgage company in court, will get the win.
And then records will be sealed. No one will ever know. No one will understand. You have to go through this experience to fully know what I mean when i say, these mortgage companies make you fully earn that win. So bad is the experience that I don't think anyone who goes through it, regardless of any proceeds amount possibly tied to afterwards from a possible settlement, would say they would ever do it again. I see now fully what this whole experience is about and how it works, everything involved, and why it puts you through everything that I went through.
But, its not for me. I am not them. And that's the problem.
I am 100 % not guilty of committing mortgage fraud. Which is why this doesn't fit and makes everyone and the acts performed against me liable with no fraud committed by the homeowner at the beginning justifying what they are doing, even the fraud they themselves are committing within. It's not a good position to be in. Try as I might and as angry and XXXX at putting me through something like this I didn't deserve at all that I was put in, I don't see any reason to bring this forward. They don't need to know this. I don't need to keep harping on it. We went through this already.
But you have me now still dealing with this system where i have to go back to them and deal with them. To get into my own home you say I need to get a lawyer to help me get what I now own with transfer of title happening at a date that would then trump this group 's fraudulent docs dates who are trying to steal ... ... ... ... ..look. I get it. You have to make these homeowners who committed mortgage fraud account for what they did, if not atone for it completely. They are, after all, going to get the win. Because of what needs to be sealed, not for anything they did. Honestly, I don't disagree with this system putting them through it, even after going through the whole horrible experience that I did where I would also say no one should ever be put through it.
I'm not going do it anymore though. Not going through the obstacle it is to just talk to these lawyers with their staged answers just to get this group or whatever to turn over keys to a home I never said I wanted free, never said I deserved in full, but would be grateful to have in my hands again. I've called, tried to set an appointment to see house, and am still sleeping on the outside looking in. You even left the full view from the back door of the house taken but that could made to think possibly be mine again, if I could only get in. Left like this as if to strike mood, correct? Like I said, for liar loans. Not for me.
Once again, I get it. You just don't get me. It's not needed. If I'm humbled its not coming from this whole experience I went through and more so is coming from something within. I have disorders. They are big part of me with their symptoms not seen but making up what's different about me within. Instead of explaining further, instead of playing your game still, instead of trying to go along but blowing up like I did today coming downtown to find XXXX XXXX offices to see how I can get the sealed deed of transfer recognized so that ... ..blah blah blah. where I didnt wind up finding offices afterall because I don't even know if exist and cant call them because of the whole XXXX day phone fiasco i went through with you hackers recently leaving me yet again without a phone ... ...., I'll just ask.
Can I go home now?
You have the power and control over everything in this anomaly of a world. I know that. Doesn't mean I don't know where this power stops and no longer exists. Where the fields are more even to try to fight in court then and where you couldn't do or control all this. It just means I'm tired. I've slept outside and been homeless for XXXX months now. Last night mosquitos were to much to handle I went up the street to sleep outside of a building for some relief, no different than any days homeless before. I'm tired. I'm down to only a few sets of clothes. I miss my family. I miss my home. You have power over this group and that's if there's even a group out there stealing deeds and homes in this manner at all in the first place. I don't have the key to the deadbolt. Not my house then. Not going to break in. Simple as that. No one answers any of my calls to realtor, to XXXX XXXX XXXX or any one i call for help with this matter because no ones there on other side or because hackers are blocking communication, it doesn't matter. To me, all that does is that I didn't commit mortgage fraud. So I shouldn't be treated as if I did. Nothing more to say.
Artificially made to be homeless by an experience that has no protocol for those not guilty of mortgage fraud to get them out but got caught up in this system for lair loans so they have to go through the HORRIBLE experience what was obviously specifically made for them.
Lair loans, huh? ... ..YXXXX, I hate them and the homeowners who committed the mortgage fraud behind them to.
|
| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Attention : CFPB For almost 24 years I have had the pleasure of serving as a XXXX XXXX XXXX XXXX operating under the umbrella of integrity and upholding the law. I have given my best to this city and put my utmost faith into the city. I have faithfully paid my taxes on time, and was living the ultimate American dream of homeownership for many years, experiencing not a single issue. To my dismay, in return I have been met with inexplicable struggles with my mortgage on the same property with multiple lenders and servicing companies. My original mortgage started off with XXXX XXXX XXXX. I had some financial difficulties in XXXX that ultimately led to XXXX XXXX XXXX starting the foreclosure process on my home. During this time, I was doing everything that I could to save my home. I had previously applied for a loan modification after being directed by senior leadership at XXXX XXXX XXXX to not make my payment, which would increase my chances of being eligible for a loan modification. My original modification was denied even after following the advice given by the managers at XXXX XXXX XXXX. I did not receive details nor an explanation as to why my request was denied. Several months later XXXX XXXX XXXX began the foreclosure process. Once the foreclosure process started I applied for a loan modification with XXXX XXXX XXXX again around XX/XX/XXXX. I never received any response, nor answer to my last modification request. I was only informed that the foreclosure process was stopped in XX/XX/XXXX.
Additionally, my life was turned completely upside down in XX/XX/XXXX, when I had a fire at my home and I lost everything that I owned. The house was completely destroyed in the fire as well. During this time I was forced to move in with relatives and to bounce around house to house to keep a roof over my head. I was already having financial difficulties due to helping my elderly parents. My family was still grieving the loss of my step father during this time. This was an incredibly difficult time for my family and I.I did the best that I could to work and to focus on stopping the foreclosure process so that I could rebuild and return normalcy to my life. I knew my home was covered with the home insurance that I was paying and that would be the path I could take to rebuilding my home. I struggled to get any information from XXXX XXXX XXXX as to the status of the foreclosure. Despite everything I remained steadfast on rebuilding the home and on getting myself back together. It wasn't until XX/XX/XXXX that I was told the foreclosure process had been stopped by XXXX XXXXXXXX XXXX. I began inquiring about a loan modification and continued to pour every cent I received from the insurance company back into rebuilding the home. I wasn't ever able to get anywhere with the loan modification requests with XXXX XXXX XXXX, nor was I able to live in the home at all. The process of rebuilding was also a very slow process with XXXX XXXX XXXX. My insurance company thought I would be displaced for a short time, but this turned out to be the start of a nightmare that I could never imagine.
I received communication in early XXXX that my mortgage was sold to XXXX Mortgage. I continued to rebuild the home. The insurance money that I received to replace my personal belongings such as clothing and furniture, I used 95 % of the reimbursement to rebuild my home. I wanted nothing more than to restore order to my life. My career depends on order and structure and since XXXX I have had nothing close to that. Once my mortgage was moved to XXXX, I tried everything I could to connect with this company to show them what my life once was and what it had become after the fire in XX/XX/XXXX. I tried many times for a restart on my mortgage. I informed XXXX that I could withdraw some monies from my XXXX pension. I offered to use this money as a down payment on a loan modification agreement. I just desperately wanted to get back on track. I continued to rebuild the house without any idea on what I was going to be able or allowed to do with the mortgage. XXXX advised that once the house was finished and a value could be placed on the home, they would figure out a path to move forward. So I kept working on the home and tried to be patient with the mortgage details. Meanwhile I was also living frugally and following a tight budget as best as I could given my circumstances.
My home was finished with the rebuild in late XXXX. In XXXX XXXX started the foreclosure process again. This seems like an ill-timed, one sided decision that was solely for their benefit. My home was an older home prior to the fire. As a matter of fact, it was the faulty and old wiring that caused the fire in XXXX. However, the home that XXXX started the foreclosure process on, was the fully rebuilt home with everything brand new. As mentioned the majority of the insurance money for the home structure and reimbursement of my personal belongings, was put back into the home. All the while I was still displaced and living with my mother.
Once again my mortgage was sold by XXXX to Selene Finance in the later part of XXXX/early XXXX. Besides still not being able to live in my home and the worry of losing my home, my concern was what the loan balance, the amount that was considered delinquent, what my payment would be, and the new value of the home etc. Once Selene acquired the loan, I began to ask all of these questions. At the start of this situation with XXXX XXXX XXXX my balance was around $ XXXX. Once Selene Finance received my loan they informed me that my balance was actually more than double the amount of what I knew my balance to be. In XXXX Selene estimated the value of my home to be around $ XXXX and they were saying I owed almost the same amount on the mortgage. I asked repeatedly to see the itemization of all fees, interest amount due, as well as the principal balance. I did not receive this information.
Further, the Selene Finance representatives advised me to apply for a loan modification. As I have done in the past, I took their advice and applied for the loan modification. This time I received approval for the loan modification. However, the problem was the loan balance that Selene came up with was going to make the new loan payment {$5500.00} per month. I submitted a rebuttal to the approved loan modification as it wasn't possible for me to be able to pay {$5500.00} per month, and it was not clear how the balance was determined. Again, I say it was ironic to hear I now owed the same amount as the value of the home. Selene Finance would not lower the amount of the mortgage payment under the loan modification and they moved in the direction of restarting the foreclosure process again.
I felt like none of the options were beneficial to me. Since XXXX I have been desperately working to save my home. I had not been able, nor was I allowed to occupy the home since the fire in XXXX. I poured the insurance money back into the home as previously stated. In addition, I also put the bulk of my income into the home. I decided to sell my home because it seemed to be a losing battle for me in every instance. At this time Selene Finance listed the amount of interest owed on my loan as $ XXXX. Supposedly this amount accumulated over the years due to several delays at no fault of my own. Selene had my loan for less than a year, but felt they were entitled to collect $ XXXX of interest on my loan. I wasn't in agreement with paying Selene $ XXXX in interest, so I got an attorney to assist me with this. I am a man of my word and have no problem paying for the debts that I truly owe, but to have to pay $ XXXX to Selene Finance when they had the loan for a very short time, didn't seem fair nor ethical. In XX/XX/XXXX my attorney submitted the request to a referee who determined the $ XXXX was excessive and not my true debt. The referee ruled in my favor. Based on this decision I placed my home on the market.
In between the time I was able to get my home under contract with buyer and the home sold, Selene Finance fought the ruling from the referee. Selene was able to get an independent referee to side in their favor. I sold my home in XX/XX/XXXX and had to pay Selene {$180000.00} in interest. It took longer than expected to find a buyer for home, so I felt like I had no choice but to sell the house as I did not have an infinite amount of time to complete the sell of the home. This is why I am submitting this complaint today. I am still trying to rebuild my life and restore order. I netted approximately $ XXXX from the sell of my home. The sales price of my home was $ XXXX and per previous loan documentation, the balance of my loan was approximately $ XXXX. As I previously stated I lost everything I had in the fire and never was I able to live in my home since XXXX. I owned this home for a decade before having the issues that are referenced in this complaint. I have spent over 23 years serving XXXX XXXX XXXX, but I have had nothing but chaos, heartache, and endured severe losses while attempting to work with XXXX XXXX XXXX, XXXX XXXX and Selene Finance. I am asking this body for help in recovering the {$180000.00} that I was forced to pay Selene Finance. I am asking this body to help me restore order to my life. My family has helped me since my fire, almost a decade ago. My mother is advancing in age and her health is not as great as it used to be due to the assistance she had to provide to me along with all of the worry and strife. This entire situation has impacted me and my household, as well as my mother and her household. I thank you in advance for any assistance or guidance you are able to provide me. I sincerely hope to work toward a resolution to this unethical situation.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/13/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My original mortgage company XXXX XXXX XXXX sold my mortgage to Selene Finance at the top of XXXX. I received a letter of the changeover in XXXX. On XX/XX/XXXX, I called Selene Finance and spoke to Customer Service rep XXXX.
I asked to schedule auto-pay with them for the XXXX of each month ( pay-day ) as I had been doing with XXXX XXXX for the past several years. I was advised my account had not been entered into the system yet and I could not set up my auto payments. I called again in XXXX attempting to make my payment and was told I still could not pay into my account.
In XXXX of XXXX, I received a letter from Selene Finance telling me I was delinquent in my account for {$3600.00} for the XX/XX/XXXX payment, XX/XX/XXXX payment, XX/XX/XXXX payment and XX/XX/XXXX payment.
I called Selene Finance and asked how I could be delinquent since I was paying XXXX XXXX during XXXX, XXXX and XXXX and Selene Finance would not accept any payment from me when I tried twice to pay them for XXXX.
No one could answer my questions and advised they would open an investigation but could not accept any payments from me due to the supposed delinquency.
Since XX/XX/XXXX I have made countless phone calls, submitted documentation showing payments were made to XXXX XXXX on time so there should be no delinquency when the account was transferred over. Every phone call I make to Customer Service I am told something different ; my case was given to a supervisor who is working on it, and it should be resolved soon, it's still being investigated, or they act like they don't know what I'm talking about.
Selene Finance keeps pushing my husband and I to do a loan modification for financial hardship which we do not need because we have no problem paying our monthly mortgage. The only reason we have not paid them is because they will not accept the monthly payments.
Prior to Selene Finance taking over our mortgage and while we were with XXXX XXXX, my husband and I filed for a 3-month forbearance due to Covid. The forbearance was for XXXX, XXXX, and XXXX of XXXX. According to the agent who set up the forbearance, the 3-month forbearance payments would be tagged on to the end of the loan and we could resume our regular payments starting with the XX/XX/XXXX payment.
When I called to make my XXXX payment to XXXX XXXX, I was told I had to fill out a request for a loan modification since we did a Covid forbearance. I told XXXX XXXX agent we dont need that as we can make our monthly payments with no financial hardships now that Covid was over.
They said it was mandatory, so I filled out the paperwork. For the months of XXXX, XXXX and XXXX which was considered my trial modification period, our mortgage payments went from {$760.00} to {$810.00} per month. We successfully paid all three months at the new rate and were told we passed our modification trial, and our original monthly payment would start up in XX/XX/XXXX.
Thats when XXXX XXXX sold our mortgage to Selene Finance, they refuse to honor the modification trial we did with XXXX XXXX although all information was sent over to them.
They also are not accepting any payments from us to drive us further and further into delinquency so they can move forward with the foreclosure.
In XX/XX/XXXX I received a letter from a XXXX XXXX of Selene Finance saying she is my only point of contact, yet she gave me no phone number or email to contact her.
Customer Service always tells me she is not available and will call me back. She has yet to call me back. It is now XX/XX/XXXX, and XXXX has never spoken to me, my issue is still not resolved, and I am getting letters warning of foreclosure and increased delinquencies because they have refused to accept payment from me since I made my first phone call XX/XX/XXXX and spoke to XXXX to set up auto pay for my mortgage.
I believe Selene Finance is running a Loan Modification Foreclosure XXXX to steal people 's homes by doing illegal foreclosures.
Ive attached a link here to the XXXX XXXX XXXX page of all complaints against Selene Finance. They have had complaints since XXXX, all complaints mirror exactly what I am reporting, conniving to steal peoples homes by taking over their mortgage and immediately telling them they are delinquent.
My original mortgage company XXXX XXXX XXXX sold my mortgage to Selene Finance at the top of XXXX. I received a letter of the changeover in XXXX. On XX/XX/XXXX, I called Selene Finance and spoke to Customer Service rep XXXX.
I asked to schedule auto-pay with them for the XXXX of each month ( pay-day ) as I had been doing with XXXX XXXX for the past several years. I was advised my account had not been entered into the system yet and I could not set up my auto payments. I called again in XXXX attempting to make my payment and was told I still could not pay into my account.
In XXXX of XXXX, I received a letter from Selene Finance telling me I was delinquent in my account for {$3600.00} for the XX/XX/XXXX payment, XX/XX/XXXX payment, XX/XX/XXXX payment and XX/XX/XXXX payment.
I called Selene Finance and asked how I could be delinquent since I was paying XXXX XXXX during XXXX, XXXX and XXXX and Selene Finance would not accept any payment from me when I tried twice to pay them for XXXX.
No one could answer my questions and advised they would open an investigation but could not accept any payments from me due to the supposed delinquency.
Since XX/XX/XXXX I have made countless phone calls, submitted documentation showing payments were made to XXXX XXXX on time so there should be no delinquency when the account was transferred over. Every phone call I make to Customer Service I am told something different ; my case was given to a supervisor who is working on it, and it should be resolved soon, it's still being investigated, or they act like they don't know what I'm talking about.
Selene Finance keeps pushing my husband and I to do a loan modification for financial hardship which we do not need because we have no problem paying our monthly mortgage. The only reason we have not paid them is because they will not accept the monthly payments.
Prior to Selene Finance taking over our mortgage and while we were with XXXX XXXX, my husband and I filed for a 3-month forbearance due to Covid. The forbearance was for XXXX, XXXX, and XXXX of XXXX. According to the agent who set up the forbearance, the 3-month forbearance payments would be tagged on to the end of the loan and we could resume our regular payments starting with the XX/XX/XXXX payment.
When I called to make my XXXX payment to XXXX XXXX, I was told I had to fill out a request for a loan modification since we did a Covid forbearance. I told XXXX XXXX agent we dont need that as we can make our monthly payments with no financial hardships now that Covid was over.
They said it was mandatory, so I filled out the paperwork. For the months of XXXX, XXXX and XXXX which was considered my trial modification period, our mortgage payments went from {$760.00} to {$810.00} per month. We successfully paid all three months at the new rate and were told we passed our modification trial, and our original monthly payment would start up in XX/XX/XXXX.
Thats when XXXX XXXX sold our mortgage to Selene Finance, they refuse to honor the modification trial we did with XXXX XXXX although all information was sent over to them.
They also are not accepting any payments from us to drive us further and further into delinquency so they can move forward with the foreclosure.
In XX/XX/XXXX I received a letter from a XXXX XXXX of Selene Finance saying she is my only point of contact, yet she gave me no phone number or email to contact her.
Customer Service always tells me she is not available and will call me back. She has yet to call me back. It is now XX/XX/XXXX, and XXXX has never spoken to me, my issue is still not resolved, and I am getting letters warning of foreclosure and increased delinquencies because they have refused to accept payment from me since I made my first phone call XX/XX/XXXX and spoke to XXXX to set up auto pay for my mortgage.
I believe Selene Finance is running a Loan Modification Foreclosure Scheme to steal people 's homes by doing illegal foreclosures.
My husband and I secured an attorney and Selene Finance sent us a loan modification packet which we filled out and signed and sent in with the XXXX XXXX of {$930.00} per what was stated in the modification packet.
We received a packet back from Selene saying our modification had been accepted and fully executed.
A week later we received a foreclosure notice. When I called there and spoke to one of their reps they said there was no modification in place and refused to take my XXXX payment.
They created this delinquency on our account by trumping up a fake delinquency with XXXX XXXX Mortgage and refusing to take any payments from me since XXXX. They intentionally create delinquencies so they foreclose on the homeowner.
They target minorities, people of color, the elderly and low income families.
They are in violation of their own contract and they operate on an organized crime level.
Ive attached a link here to the XXXX XXXX XXXX page of all complaints against Selene Finance. They have had complaints since XXXX, all complaints mirror exactly what I am reporting, conniving to steal peoples homes by taking over their mortgage and immediately telling them they are delinquent.
https : XXXX.
Also, this site which also tells similar horror stories to ours.
XXXX XXXX XXXX This fraudulent business needs to be shut down ASAP. They are unlawfully pushing people into foreclosure by creating fake delinquencies and refusing to take people 's payments.
|
| 07/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, my mother, XXXX XXXX XXXX passed away. It was a devastating time for my family and me and we are still grieving the loss of my mother. A week before her passing, we had a significant water leak in the upstairs bathroom which caused damage to a portion of the living room ceiling and traveled down into the basement. In preparing to lay my mother to rest, I had contacted the home owners insurance to report the damage and had to pause to finalize my mothers funeral arrangements. After my mothers funeral, I reached back out to the insurance company and found out that my mother had a basic policy and it did not cover the water damage. I was beyond devastated and had to find an outside contractor to fix the damage. I had to save up the monies for the contractor and in the meantime, we found out that black mold was starting to grow in the walls. I had to move out of the house because I have a XXXX XXXX XXXX which would have been a serious health issue for me. I moved back into the home on XX/XX/XXXX, and the house is still under renovations but livable.
I am writing because there has been an issue with my mothers loan, and I was hoping you could assist me in taking care of it. The problem is during the year XXXX, I was paying rent for a condo and the mortgage for the XXXX XXXX, MD home and utility bills for both residences and my other bills. I called Selene Finance to inquire if I could do a loan modification in XX/XX/XXXX and I submitted the necessary paperwork and accompanying attachments on XX/XX/XXXX. I received a letter dated XX/XX/XXXX ( enclosed ) of a Repayment Agreement as the first step toward retaining the home. The enclosed repayment agreement stated that to keep the account current, I would have to pay Selene Finance LP the amount of {$6500.00}. This amount would be paid on a payment plan of {$1700.00} per month for six months starting on XX/XX/XXXX, and ending on XX/XX/XXXX. I sent a Cashiers Check each month for the payment amount and sent it overnight mail by the United States Postal Service to make sure that the payment was received by Selene Finance on time.
I sent the last {$1700.00} payment on XX/XX/XXXX, to make sure that it arrived at Selene Finance by XX/XX/XXXX. Starting on XX/XX/XXXX, I started receiving certified letters of Notice of Default and Intent to Accelerate from Selene Finance stating that the XXXX and XXXX mortgage payments were not received. I have already taken the following steps to rectify the problem, but to no avail : 1. On XX/XX/XXXX, at XXXX am, I called Selene Finance and talked with XXXX, a representative, and explained the situation. XXXX looked into the system and told me that she saw all of the payments in the amount of {$1700.00} that was received each month. She said that she does not understand why I received the certified letters and she also when through all of the calculations for each payment and said that they were paid according to the repayment plan. She also said that whoever did the calculations gave the incorrect outstanding balance amount. The balance amount was supposed to be over {$8400.00}. All of the {$1700.00} payments that I made actually equaled up to {$10000.00} in which I overpaid the amount of the outstanding balance. XXXX said that she would send an email to the Loss Resolution Department to have the account corrected and updated. The call lasted for 56 minutes.
2. I received a second certified letter of Notice of Default and Intent to Accelerate from Selene Finance stating that I owe {$2000.00}. For the XX/XX/XXXX mortgage payment. I called Selene Finance again on XX/XX/XXXX, and was connected to XXXX. We talked for about 2 minutes until she hung up on me. I call back and was connected to XXXX. I told him about my situation and she too couldnt understand why the system is still stating that the XXXX and XXXX payments were not received. XXXX talked with her manager and they both could not understand why the system was listing the loan as 2 months past due. I asked her three times the same question : Since the XXXX mortgage payment is coming soon, what amount do I send the Cashiers Check for? She told me to send the regular mortgage amount of {$1300.00} and that is what I sent on XX/XX/XXXX, by Overnight Express Mail by the USPS. XXXX said that she and her manager had to do some research to see what was the issue and she would give me a callback. I asked if someone would call me back that day and she said that it would be by the end of the day of XX/XX/XXXX or within 24 hours. As of todays date, I have not received a return telephone call from XXXX or her manager. The call lasted for 47 minutes.
3. I received yet another certified letter of Notice of Default and Intent to Accelerate from XXXX stating that the XX/XX/XXXX mortgage payment was not received and I did not receive a return call from XXXX, I called Selene Finance yet again and was connected to XXXX on XX/XX/XXXX. I explained to XXXX about the mortgage situation and he did the exact same thing as the other representatives. He checked the system and went to his manager to see if they could find out what the problem was and he came back and said that there was a miscalculation about the outstanding balance and that the correct amount should have been over {$8400.00}, but he sees in the system that I paid a total of {$10000.00}. XXXX said that I abided by the repayment plan and have paid each payment as stated. He went to his manager and came back and said that he would request payment research because he did not understand why the account is stating 2 months past due when it should be up to date. The call lasted for 53 minutes.
4. On XX/XX/XXXX, I called Selene Finance again and was connected to XXXX and I told her my situation for the fourth time. She went into the system and saw that the payments were made according to the Repayment Agreement. She did the calculations as XXXX did before and said that all of the payments were applied to the mortgage account and that she did not understand why the system is listing the account as 2 months past due. XXXX stated that she would send an urgent email to the Loss Resolution Department to research why the system is listing the account as past due when it should be listed as up to date. XXXX told me that I should not be receiving the certified letters and she went to her manager and the manager was dumbfounded also. The call lasted 37 minutes.
5. On XX/XX/XXXX, I received a certified Notice of Intent to Foreclose package from Selene Finance. I became very upset because I have talked with four representatives before all saying that they would do some research and send emails to the appropriate Loss Resolution Department and would call me back. I also received a letter from the Maryland Department of Labor, Office of the Commissioner of Financial Regulation regarding the Notice of Intent to Foreclose ( NOI ). I called them and told them how I can not get anyone at Selene Finance to fix this problem and they told me to submit a complaint which I have.
6. On XX/XX/XXXX, I called Selene Finance for the fifth time and was connected to XXXX. I told him the situation in which he went into the system and told me that the department that sent out the repayment plan letter miscalculated the outstanding balance and that I still owe now over {$4000.00} for the two months that are past due. I told him that is incorrect and he said that I would have to submit a loan modification package which was included in the Notice of Intent to Foreclose package. I told him that I have talked with four representatives before him and all four told me that I completed the repayment agreement and that I was up to date. I asked to speak with a manager and he put me on hold which I was on hold for 21 minutes, 20 minutes, and 15 minutes. He came back and said that his manager had my information and she had to review it and contact some offices and she would call me back. I asked XXXX if she was really going to call me back and he said that she is really good about returning telephone calls the same day. I told him I will hold her to that and we ended the call. As of today, XXXX manager, XXXX XXXX has not returned my call. The call lasted for 56 minutes.
I can not seem to get anyone to work with to rectify this situation so I am reaching out to your office in order to fix the problem. I am attaching the following documents in order to expedite the process.
|
| 07/29/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
PLEASE RESPOND BY BOTH EMAIL AND WRITING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX URGENT CFPB INTERVENTION REQUIRED ORDER FHA TO CEASE AND DESIST SALE OF PROPERTY ALSO REFER TO CFPB # XXXX & CFPB # XXXX UNRESOLVED FAILURE TO HALT AND PROVIDE PRESIDENTIAL ORDERED RELIEF : EXTENSION OF FORECLOSURE AND EVICTION MORATORIUM IN CONNECTION WITH THE PRESIDENTIALLY- DECLARED COVID 19 NATIONAL EMERGENCY, DEADLINE EXTENDED TO XX/XX/XXXX LACK OF DUE PROCESS OF LAW, LOAN SERVICERS CONCEALS DEATH AND PROBATE, ASSISTING FHA XXXX XXXX XXXX GOVERNMENT, XXXX XXXX XXXX XXXX, XXXX XXXX, TO CIRCUMVENT PROBATE AND EXTORT STEAL ESTATE EQUITY OF {$250000.00} ; UNLAWFUL DEED TRANSFERS.
FAILURE TO COMPLY WITH THE US DEPARTMENT OF JUSTICE CONSENT ORDERS, UNITED STATES OF AMERICA BEFORE THE BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM XXXX XXXX, DOCKET NO XXXX B-HC, EXECUTED XX/XX/XXXX XXXX UNITED STATES OF AMERICA DEPARTMENT OF TREASURY COMPTROLLER OF THE CURRENCY, CASE NO XXXX ; VIOLATION OF FEDERAL CIRCUMVENT PROBATE ; FEDERAL BANKRUPTCY XXXX, XXXX XXXX CODE XXXX OF SECURED STATUS FAILURE TO YIELD TO BANKRUPCTY FAILURE TO YIELD TO ESTATE AND RETURN STOLEN PROPERTY FAILURE TO REPAIR PROPERTY DAMAGES IN TIMELY MANNER FAILURE TO PAY WATER LIEN IN TIMELY MANNER FAILURE TO DIMISS CIVIL ACTION XXXX, TOLL SERVICE XXXX XXXX XXXX, NO SERVICE EXCEEDS STATUTORY SERVICE DEADLINGS - 280 DAYS TO PUBLISH INCORRECT NOTICE : XXXX XXXX MORTGAGE LOAN WAS NEWLY UNLAWFULLY ASSIGNED THE TITLE ON XX/XX/XXXX AND IS NOW WRONGLY SELLING ESTATE FORECLOSED PROPERTY WTIHOUT PROPER NOTICE AFTER LOAN SERVICERS CONCORT TO RENDER ASSISTANCE TO FHA [ GOVERNMENT ] TO CIRCUMVENT PROBATE Selene Finance , FHA XXXX XXXX and XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX, law firms XXXX et al., XXXX, and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ALL involved to circumvent probate -AND COMMIT Mortgage Banking Foreclosure Fraud ADDRESSES INCLUDED BELOW CASE INDEX STATE OF WASHINGTON XXXX COUNTY SUPERIOR COURT , XXXX , XXXX, PROBATE XXXX, XXXX XXXX PROBATE XXXX, COURT OF APPEALS XXXX ( ESTATE APPEAL ) COMBINED, XXXX ( HEIRS APPEAL ), SUPREME COURT XXXX XXXX BANKRUPTCY COURT XXXX, XXXX BDL, OBTAINED XXXX OUT OF JURISDICTION - NO NOTICE, VIOLATES FEDERAL LAWS, MUST SERVE NOTICE, FHA XXXX, MUST HALT AND REMAND TO PROBATE TO MANAGE ESTATE PROPERTY IN PROBATE, ESTATE LOSS OF {$250000.00} EQUITY DUE TO SHORTFALL AND UNLAWFUL SHERIFF SALE OUT OF JURISDICTION XX/XX/XXXX, UNLAWFUL TRANSF DEED TO FEDERAL HOME MORTGAGE LOAN ( CONCEALED ACTUAL MORTGAGE NOTE/DEED OWNER - PRIOR TO SEIZURE OF HOME, CONCEALS FHA XXXX MPI INSURANCE FOR DEFAUL, CONCEALED FORBEARANCE, INFLATES JUDGMENT, CLAIMS DEFICIANCY, SHORTENS 12 MO REDEMPTIVE PERIOD, CHNG TITLE DURING PRESIDENTAL MORATORUM, UNLAWFUL DEED CONVEYANCES ) UNLAWFUL LOCK CHANGES XX/XX/XXXX DURING 1 YR FOREBERANC PERIOD APPROVAL UNLAWFUL POSSESSION XX/XX/XXXX ( 55 DAYS AFTER DEATH ) NEARLY DECADE HINDER HEIRS FROM ENJOYING THEIR INHERITANCE AND FROM RESINSTATING LOAN, CHARGES DEFICIANY BILLING ; DEAD PERSON : {$2000.00} PER MO, ACTUAL TERM {$260000.00} 5 % XXXX XXXX RESPA VIOLATIONS FAILURE TO PRODUCE CERTIFIED COPY OF ORIGINAL PROMISSORY NOTE, FAILURE TO PRODUCE LOAN FILE AND MORTGAGE HISTORY, DEED OF TRUST ACT VIOLATIONS BANKING VIOLATIONS - MORTGAGE FRAUD CONCEALING DEATH, CONCEALIN PROBATE ( S ), BLOCKING MANDATORY SUBSITUTION, CONCEALING ACTUAL PROMISSORY NOTE AND DEED OWNER TO CONCEAL GOVERNMENT FHA XXXX XXXX OWNERSHIP TO CIRCUMVENT PROBATE, MAKING FALSE STATEMENTS IN COMPLAINT AS TO ACTUAL OWNERSHIP, CREATING AND ALTERING CASE FILED " XXXX '' FOR CFPB RESPONSE XX/XX/XXXX, UNTIMELY TRNASFERS, FAILURE TO SERVE ANY PARTY, FAILURE TO SUBSTITUTE KNOWN DECEASED PARTY, EXTORING ESTATE FOR {$250000.00}, CONCEALING AND BLOCKING ESTATE FROM RECOVERYING STOLEN ASSET, UNTIMELY SELL OF PROPERTY OUTSIDE OF JURISDICTION, DURING JUDICIAL APPEAL, FOR OBTAINING CONVEYANCE SHERIFF DEED DURING PRESIDENTAL MORITORIUM - FULL INVESTIGATION INTO THE WRONG DOINGS OF COMPANIES LISTED AND CASE FORECLOSURE HISTRY FROM XXXX XXXX WRONGLY XXXX XXXX ON XX/XX/XXXX UNDER FALSE PRETENSES AND PROCEDING AS IF DEATH DID NOT OCCUR ...
URGENT INTERVENTION REQUIRED BY CFPB # XXXX transferred from XXXX XXXX XXXX XXXX XXXX Altered XXXX that they provided to CFPB on XX/XX/XXXX, removed robo-stamp lower right hand corner, changed type to handwritten XXXX XXXX, and the address is no longer underlined ~ differs from case filings. Announced Untimely transfer to Selene Finance, differs actual recorded XX/XX/XXXX ; circumvent probate, no substitution for deceased borrower, no service, tolled statue RCW 4,16.170 CASE COULD NOT COMMENCE,, retaliation and discrimination for me filing first complaint there has been no CFPB response, invalid deed transfers after death, invalid unlawful conveyances, CFPB Number was provided in XXXX XXXX response ; otherwise CFPB has no record online of this complaint and there has been no response ; XXXX XXXX took unlawful possession on XX/XX/XXXX kept for nearly decade away from rightful Heirs, and did this during approved 1 yr forbearance period ~ XXXX XXXX AND ASSIGNEES HAVE STOLEN {$250000.00} EQUITY, BLOCK ESTATE FOR ESTATE PROPERTY SWEARING FALSELY FILING FALSE PLEADINGS LOAN SERVICER : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FHA HOME MORTGAGE LOAN SERVICER, XXXX XXXX XXXX XXXX ~ SUBSIDIARIES, PREDECESSORS, ACQUIRED COMPANIES, OR SUCCESSOR ENTITIES ' ASSIGNEES ~ IT SHA1L ALSO APPLY TO ANY CURRENT AND FUTURE OFFICERS, EMPLOYEES, AGENTS, REPRESENTATIVES, ASSIGNS, SUCCESSORS-IN-INTEREST, AND ALL PERSONS AND ENTITIES IN ACTIVE CONCERT OR PARTICIPATION ; BUSINESS LOCATION AT XXXX XXXX XXXX, XXXX, KY XXXX ~ ALSO LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, WI XXXX, ALSO LOCATED AT XXXX BANK COMPLAINTS XXXX XXXX XXXX XXXX, MN XXXX.
SUCCESSOR ASSIGNEE SELENE FINANCE FHA HOME MORTGAGE LOAN SERVICER ~ INCLUDING WITH RESPECT TO THIS CIVIL JUDICIAL FORECLOSURES LOCATED AT XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ; UNLAWFUL CONVEYANCE, NO NOTICE, UNLAWFUL TRANSFER OF SHERIFF DEED XX/XX/XXXX DURING PRESIDENTIAL ORDER, DURING REDEMPTION ...
MORTGAGE ELECTRONIC REGISTRATION SERVICE ( MERS INC ) CORPORATE HEADQUARTERS XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX TRUSTEE SERVICES OUT OF BUSINESS BY UNITED STATES XXXX XXXX XXXX XXXX, LZC. ( W.D. XXXX ), CIVIL NO. XXXX XXXX XX/XX/XXXX RENDERED FRAUD ASSISTANCE TO UNLAWFUL REMOVAL OF IRREVOCABLE TRUSTEE XXXX ; ISSUED INFLATED NOTICE OF DEFAULT XX/XX/XXXX LEGAL CONTACTS FOR XXXX XXXX ON BEHALF OF CONCEALED FHA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX BREACH OF PRESIDENTIAL FORECLOSURE MORATORIUM EXTENDED TO XX/XX/XXXX, CIRCUMVENT PROBATE, CONCEAL DEATH, CONCEAL UNLAWFUL POSSESSION, UNLAWFUL CHANGE OF LOCKS, UNLAWFULY COMMENCED CASE, OBTAINS ORDER OUTSIDE OF JURISDICTION DURING APPEAL, HINDERS RESINTATEMENT OF LOAN, HINDERS PROBATE ESTATE, OBTAINS DEF JUG WITHOUT SERVICE OR SUBSTITUTION OF DECEASED, TOLLED SERVICE STATUE 280 DAYS RCW XXXX, BLOCK XXXX SUCCESSOR SUBSTITUTION FOR DECEASED WITH FALSE TESTIMONY AND FALSE SWORN DECLARATION, FORCED BANKRUPTCY, IMPEDED BANKRUPTCY, XXXX XXXX SWEARS FALSELY, XXXX FILES FALSE DECLARATION, PUBLISHES INCORRECT NOTICE ( 280 DAYS AFTER CAES FILING ) ISSUES OVERLAPPING CASE SCHEDULES. CONTEMPT OF XX/XX/XXXX COURT ORDER STAY SALE, NOT LIMITED TO XXXX LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOUNTLAKE XXXX, WA XXXX GROUND WORK FOR EXTORTION OF ESTATE, FALSE CLAIMS IN COMPLAINT CONCEALS DEATH AND CONCEALS UNLAWFUL POSSESSION BY LOAN SERVICER, CONCEALS KNOWN HEIR UNTIMELY WITHDRAWAL, UNTIMELY REASSIGNMENT, DECEPTIVE DATE SETTING, CIVIL SECOND CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
|
| 10/10/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX NY XXXX in XXXX of XXXX my FHA Mortgage loan was transferred from XXXX aka XXXX to Selene Finance loan # XXXX.
In XX/XX/XXXX I closed on my property and XXXX XXXX serviced my FHA mortgage loan # XXXX at purchase.
In XX/XX/XXXX due to XXXX related shutdowns I had a Forbearance Agreement with my mortgage servicer XXXX from XX/XX/XXXX - XX/XX/XXXX. My Forbearance Agreement was extended by XXXX to XX/XX/XXXX due to continued XXXX related job shutdowns.
XXXX informed me that at the end of my Forbearance Agreement, in XX/XX/XXXX, to prevent foreclosure they offered me the option of a Payment Deferral Plan, explaining that my mortgage payments that were paused/suspended during my Forbearance Agreement period of XX/XX/XXXX - XX/XX/XXXX would be put on the backend of my already existing mortgage with no changes to my loan and I would resume my regular mortgage payments in XX/XX/XXXX. I agreed to this option for repaying my loan.
In XX/XX/XXXX after my Forbearance Agreement period ended I resumed making my mortgage payments to XXXX until XX/XX/XXXX when my loan was transferred to Selene Finance. I made my mortgage payments over the phone to XXXX and they were deducted from my bank account by XXXX. Selene Finance is stating I did not make my mortgage payments after my forbearance ended.
I received my Forbearance Agreement letters, but still have not received my Payment Deferral Plan Agreement letter from XXXX.
In XXXX of XXXX after my mortgage was transferred from XXXX to Selene Finance I immediately received notices from Selene Finance stating I must pay a lump sum of $ XXXX, the total of all my mortgage payments during the period of my Forbearance Agreement from XX/XX/XXXX - XX/XX/XXXX or they will foreclose on my home.
My Payment Deferral Plan Agreement with XXXX should have applied when my mortgage loan was transferred over to Selene Finance and it hasnt. Selene Finance refuses to take my monthly mortgage payments since my loan was transferred to them in XX/XX/XXXX, causing my account to be delinquent since than until now. Selene Finance stated over the phone before they can accept mortgage payments from me I would have to pay the lump sum first.
Im receiving foreclosure letters from Selene Finance stating if I dont pay the lump sum of now $ XXXX, theyre going to take my home where my grandkids and kids live with me.
Selene Finance also sent me a letter stating I filed for bankruptcy, please note I did not and have not filed for bankruptcy. Selene Finance is stating they can foreclose on my house over this too. Im confused how this is happening to me and my family.
Ive repeatedly called XXXX to get a copy of my Payment Deferral Plan Agreement to submit to Selene Finance to correct this erroneous error. Ive only received letters from XXXX stating theyll get back to me in 30 days. Thirty days has turned into 5 months.
Im contacting the Consumer Financial Protection Bureau for help with getting to stop Selene Finance from wrongfully foreclosing on my home. Selene Finance is stating that I dont have a Deferral Payment Plan Agreement with XXXX XXXX
I dont understand why or how Selene Finance can make that statement, when that was the offered and agreed to option with XXXX XXXX XXXX for repaying my loan well before my mortgage loan was transferred to them.
Please note I resumed making my mortgage loan payments as agreed with XXXX consistently for seven months after my Forbearance Agreement ended ( until my mortgage was transferred to Selene Finance XXXX, without any notices from XXXX of lump sum payments due, foreclosure or otherwise. I wouldnt have to deal with threats of losing my home to foreclosure and demands of lump sum payment if XXXX remained as my mortgage servicer and not transferred my mortgage loan to Selene Finance.
I found the following information below from the Consumer Financial Protection Bureau website section : Exit from Your Forbearance and from the HUD.Gov website Cares Act Forbearance Fact Sheet for Borrowers with FHA, VA and USDA loans.
I believe this information applies to me, my XXXX related Forbearance, my federally backed FHA mortgage loan and what my initial mortgage servicer XXXX followed and did when they offered the payment deferral plan agreement that I accepted, and proceeded to make my mortgage payments after my forbearance ended. However, it is not being applied by my now mortgage servicer Selene Finance.
" XXXX Mortgage Servicing COVID-19 Rule - Under the new rule, most mortgage servicers are required to take certain steps to help homeowners in forbearance find options for repaying their loan. '' HUD/FHA does not require lump sum repayment at the end of the forbearance for an FHA mortgage loan. Homeowners on special COVID-19 Forbearance will be assessed by their servicer first for eligibility for FHAs COVID-19 Recovery Standalone Partial Claim home retention option no later than at the end of the forbearance period. If you were current or less than 30 days delinquent as of XX/XX/XXXX, you may be entitled to this option.
The COVID-19 Recovery Standalone Partial Claim is for homeowners who can resume making their current monthly mortgage payments in the future. The COVID-19 Recovery Standalone Partial Claim places amounts you owe into a subordinate lien that is repaid only when you refinance your mortgage, sell your home, or your mortgage otherwise terminates. This lien does not accrue interest.
If you can not resume making your existing monthly mortgage payment, servicers of FHA-insured mortgages will assess you for the COVID-19 Recovery Modification. The COVID-19 Recovery Modification extends the term of the mortgage to 360 months at a fixed rate and targets reducing the monthly principal and interest portion of your monthly mortgage payment.
With respect to the XXXX Mortgage Servicing COVID-19 Rule and the COVID-19 Recovery Stand-alone Partial Claim mentioned above, this is exactly what was offered and done by XXXX with my covid-19 forbearance and federally backed mortgage loan. I dont understand why XXXX is not directly responding to my request for a copy of my payment deferral agreement and why Selene Finance is saying it was rejected.
Although, HUD/FHA does not require a lump sum repayment at the end of the forbearance for an FHA mortgage loan, Im confused why Selene Finance is stating that they are going to foreclose on my home if I don't make the lump sum payment of my paused/suspended mortgage payments during my covid-19 forbearance that is not required and was already put on the back end of my mortgage.
XXXX followed the new CFPB XXXX Mortgage Servicing COVID-19 Rule, The COVID-19 Recovery Standalone Partial Claim and HUD/FHA for my FHA loan that was in Forbearance and followed through with actionable steps by offering me the payment deferral plan that I accepted and resumed my loan payments although they did not send me my payment deferral agreement that provides me with proof that follows the actions of XXXX and a fighting chance against foreclosure on my home. Since XXXX transferred my loan to Selene Finance my loan is not being appropriately handled based on my agreed to payment deferral plan option offered by XXXX for repaying my loan to avoid/prevent foreclosure on our home.
|
| 03/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
RE : Selene Finance XXXX XXXX XXXX XXXX XXXX.
XXXX, TX XXXX XXXX XXXX Fax XXXX Email address : XXXX Good evening, I am sending you this letter as a plea for help. I am currently in the end stages of a loan modification with Selene Finance. Having my mortgage serviced by Selene has been a nightmare. I lost my job in XX/XX/XXXX due to downsizing by my XXXX, due to COVD, which was one item that was required to be considered for a loan modification. Prior to being offered a loan modification, I paid {$26000.00} between XXXX and XXXX. Commencing on XX/XX/XXXX, Selene started returning my payments. I continued to pay my mortgage monthly although Selene was not accepting my payments. XX/XX/XXXX, selene returned my last payment in the amount of {$5400.00}. In speaking with a Selene representative in XXXX, the gentleman advised me to not pay any more payments because Selene would continue returning them. He instructed me to wait until all of my money had been returned at which time I may be offered a loan modification. The last payment that Selene returned to me was on XX/XX/XXXX, in the amount of {$5400.00}. I didnt hear anything from a Selene representative so I preemptively called Selene to discuss the next steps with regard to my mortgage. I spoke to a young lady at Selene on XXXX XXXX, who told me that I had a loan modification already in place. She told me that the loan modification offer was still valid. I paid the whole amount of the 3 trial payments with the amount being {$5100.00} on XXXX. I was not sent the loan modification contract until AFTER I had paid the 3 trial payments in full. It may not have been very wise to pay the three trial payments prior to receiving the loan modification contract since I had not read the terms of the contract prior to agreeing to paying the three trial payments. The terms of my loan modification was a total monthly payment totaling {$1700.00} at 3.75 % interest. Per the aformentioned loan modification, the amount owed on my home was {$200000.00}, with a term of 40 years. I bought my home in XXXX for {$200000.00} with a term of 30 years. I had questions about the loan modification total amount due and the term of the loan. I didnt understand how I had a mortgage in XXXX for {$200000.00} with a term of 30 years and then the new loan modification was for basically the same amount with a longer term. I was also told by the Selene representative that if I hadnt gotten my loan modification paperwork by XXXX that I should call because there were a lot of instances where the paperwork doesnt go out on time. Apparently, I was sent the loan modification paperwork in the middle of XXXX instead of in XXXX as I was told. I was also told that the paperwork would be emailed to me and I checked my email daily to see if it had been sent. When I did not receive the paperwork via email, I called Selene and I was told that the young lady should not have told me that she could email the documents because these particular documents are never emailed. After I spoke with this particular Selene representative I was told that he would send the paperwork to me via a XXXX envelope. Again I continue to watch for the XXXX envelope with the loan modification paperwork. When I did not receive the paperwork via XXXX, I called Selene again and was told that the loan modification trial offer is never sent by XXXX as it is sent by normal USPS and that the final loan modification would be sent by XXXX. When I finally received the paperwork it had been dated XX/XX/XXXX. I finally received the paperwork in XXXX. As mentioned above I had concerns about the terms of my loan mod I and called Selene and was told that if I had concerns about the terms of my loan modification, that he could not help me, that I would need to file an appeal. I was given the email address for the loan resolution appeal department and I sent an email expressing my concern about the terms of my loan modification. I sent follow up emails to Selene on XX/XX/XXXX as well as XX/XX/XXXX. I sent an email to the loan resolution specialist on XXXX letting them know that I was able to speak with XXXX and I was comfortable with going forward with my loan modification.
At the time, I was told that my loan modification was null and void. Although I had paid all three loan modification trial amounts and the loan mod was never executed because I didnt understand the terms of the agreement. I was then told that they would not return my {$5000.00} and they would not honor the loan mod contract. I was sent another loan modification contract in XX/XX/XXXX. The terms of the new loan modification is a monthly payment of {$2300.00} at 7.125 % interest with a total amount owed of {$200000.00} with a 25 year term. When I saw the contract, I was in a state of disbelief.
Words can not explain how poorly Ive been treated by the Selene finance staff. The staff there is rude, arrogant, condescending, dripping with sarcasm, and responds very matter of factly. It seems that every representative at XXXX has a different answer to the same question. A great example is when I was supposed to be sent the first set of the loan my papers, one young lady told me that she was going to email him then another young man told me he was going to send it to me via a XXXX package I ended up getting the documents via the United States Postal Service. After I received the present loan modification paperwork, I was only given one week to read, sign and return them although my mortgage is not due until XX/XX/XXXX.
I Was told that XXXX XXXX is my loss mitigation point of contact. I called XXXX on XX/XX/XXXX the day after I received the documents. When I called I was put on a long hold after which I never got to speak with anyone. My call went directly to voicemail without a name to designate whose voicemail it was and I received a message that said your loss mitigation specialist is not available, please leave a message. I left a message and stated the purpose of my call and that I would appreciate a call back. Nobody ever called me back but that is not unusual for Selene finance. So it ends up being the customer who gets the short end of the stick.
I am being forced under duress to sign and return the loan modification paperwork by XX/XX/XXXX. I feel that I have no other recourse but to sign the paperwork. I do not want for my little family to be homeless. Its just myself and my XXXX-year-old son and I am a single mom who does not receive any child support. This being because of a company that says that it has its customers best interest at heart, but it certainly does not.
The amount of my mortgage payment is basically 1/2 of the money that I bring home in a month. I bring home approximately {$2500.00} every two weeks and my loan amount is {$2300.00}. In the voicemail that I left for XXXX I told her exactly what I just explained to you that paying {$2300.00} a month is for the most part half of my monthly income and that it would be difficult to pay {$2300.00} per month. I feel that Selene has set me up for failure and it is by no means the helpful mortgage company that they claim to be. I am made to feel that Selene wants to force me out of my home through foreclosure. I hope and pray that you can help my son and I.
Thank you, With warm regards
|
| 06/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I, XXXX XXXX XXXX, a living man, Executor of the minor estate XXXX XXXX XXXX, XXXX d/b/a XXXX XXXX XXXX as evinced by the Internal Revenue Service Employer Identification Number XXXX, have reason to believe and do believe that multiple crimes are in progress against the minor estate d/b/a XXXX XXXX XXXX to contain without limits to : Counterfeit securities 18 USC 513 ; Illegal securitization 18 USC section 43 ; Aggravated identity theft 18 USC 1028a ; Misprision of treasury funds ; Misappropriation of treasury funds ; Hobbs Act violations ; Executive order 13818 violations ; RICO violations ; Sherman Anti Trust Act violations ; Emergency Banking Act violations ; Indentured Trustee Act violations ; Trading with the enemy act violations ; Illegal seizure of property - fourth amendment - constitution for the united states of America ; Illegal trade and commerce 15 USC section 1 , 15 USC section 1692e ; Tax evasion 15 USC section 47 ; Frauds and swindles 18 USC 1341 by way of artifice ( s ) ; Mail Fraud 18 USC 1342 use of fictitious name ( s ) and address ( es ) ; False personation 18 USC 911 ; Misfeasance/malfeasance in office 18 USC 3333 ; False statements 18 USC ch. 47 1001 ; Executor de son tort ; Usury 12 USC 86.
The dates are listed in the attached evidence. I realize mistakes are present in my process and instruments yet it does not change the facts of the crimes being perpetrated. Not a legal scholar, only a law abiding man on the land and soil known as Texas, living in harmony with divine law as set forth by XXXX, the only Sovereign and source of law I cognize. This is a brief overview and request that an agent-in-charge contact and depose me and take my first-hand testimony. Time is of the essence as foreclosure is set for 5 XX/XX/2023.
Allow me to begin by stating that the Estate will gladly settle any and all debts immediately if the Estate receives the proper information that will allow it to do so as prescribed by law.
Last year a request was made of COUNTRY WIDE FINANCE d/b/a/ XXXX XXXX to validate the debt they were claiming pertaining the property in question. XXXX XXXX was unable to produce the requested evidence. XXXX XXXX and its officers/representatives did accept two separate negotiable instruments with memorandums of law and instructions for their use. Here is where the error occurred due to lack of understanding on the amount of post duty on instruments. Nonetheless, they did not return the instruments and I have reason to believe and do believe that XXXX XXXX 's officers/representatives made the necessary corrections and did monetize/securitize these instruments, took them off ledger and did not issue a cash receipt for recoupment. Also, being the only signatory on the note, I amended the terms and stipulations of the unilateral contract as is my right because the social security number XXXX and my signature on the note created the funds to begin with. No money was ever lent to me rather it was the credit of the Estate that created the funds from the beginning.
XXXX XXXX then sold the account, while in dispute, to XXXX XXXX XXXX. I have reason to believe and do believe that XXXX XXXX did not disclose the amendments to the note or anything else about the account being in dispute.
SELENE FINANCE LP then presented XXXX XXXX XXXX with a service agreement which was rejected page by page. Valuable consideration was added, the stamp duty paid, by attaching the appropriate postage stamps ( lawful money ) to validate the rejection of their agreement and it was returned to them immediately. SELENE FINANCE LP has presented no other offers for consideration.
SELENE FINANCE LP has continually engaged in mail fraud in attempts to extort Federal Reserve Notes from XXXX XXXX XXXX without a valid contract or agreement. All these attempts should be void for vagueness as the debtor, XXXX XXXX XXXX, can not speak and the real party in interest was never addressed.
SELENE FINANCE LP then sold the account to XXXX XXXX XXXXXXXX ( foreclosure mill ) who is now proceeding to foreclose without any claim or validation of debt or contract with XXXX XXXX XXXX. Disregarding the amendments made to the unilateral note.
Requests have been made of SELENE FINANCE LP and XXXX XXXX XXXX to share with me pertinent information which would give rise for cause for the actions taken yet neither have been forth coming with vital facts that would allow remedy of the situation such as the indentured trust bank and the name and address of the trustee responsible and capable of settling the matter. My conversations with various sources have revealed hearsay evidence of a court hearing that transpired that I was totally unaware of as I was never given proper notice of such an event. SELENE FINANCE LP nor XXXX XXXX XXXX will verify this nor give me a case number, a court name nor the name of the administrative adjudicator. This would, of course, mean the inferior court is ultra vires in action. It is my right to know these things. I received no notice of any of this.
A UCC-11 search certifies that no liens exist against the debtor XXXX XXXX XXXX and XXXX have reason to believe and do believe that an Internal Revenue Service search via form 4506-t would prove beyond the shadow of a doubt that this alleged debt has a been discharged by SELENE FINANCE LP prior XXXX XXXX XX/XX/2023 as required by law via 1099c/1099a. My understanding is that no foreclosure or seizure of property can occur in the absence of a proper lien through the Uniform Commercial Code on record with the Secretary of State.
Furthermore, these bad actors are enticing me to commit crimes and act as an enemy/combatant of the State by insisting that payment be made in Federal Reserve Notes. It is a well established fact that only negotiable instruments or gold/silver coin can act as legal tender to extinguish, discharge or offset of debt.
For the sake of brevity, this message is brief and not detailed. I request a response as time is of the essence. Again I request that a special-agent-in-charge depose me and take my first hand testimony for the official record as evidence.
That which was originally void does not, by lapse of time, become valid, maxims of law, Black 's Law Dictionary 4th Edition.
Once a fraud, always a fraud. maxims of law, Black 's Law Dictionary 4th Edition.
It is fraud to conceal a fraud maxims of law, Black 's Law Dictionary 4th Edition.
Fraud vitiates everything maxims of law, Black 's Law Dictionary 4th Edition.
May peace be with you.
P.S.
Monday, XXXX XX/XX/2023, XXXX XXXX. An email just arrived, NOTICE OF ACCELERATION AND NOTICE OF POSTING & FORCLOSURE. This is the first time I have ever laid eyes on this document. It was not properly served to me.
This document makes the claim that SELENE FINANCE LP bases its authority on a service agreement. I rejected their service agreement and returned it to them within 24 hours of receipt. The rejected service agreement is the most important piece of evidence. SELENE FINANCE LP has no valid service agreement! Repeat for emphasis : SELENE FINANCE LP has no valid service agreement to authorize this wrongful foreclosure!
I have more files of evidence to share on reply/request.
|
| 07/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I contacted XXXX XXXX servicing via telephone to inquire of my options for my Mortgage on XX/XX/XXXX, after being terminated from my job on XX/XX/XXXX. During this call the agent suggested I initiate a COVID Relief Forebearance, and to call in when my employment started again. In XXXX of XXXX I contacted XXXX XXXX XXXX to inform them I was working again. They then proceeded to send me forms to fill out to initiate a Loan Modification.
On XX/XX/XXXX I was contacted by my supposed Single point of contact at XXXX XXXX to inform me that I would have to make a payment of {$1500.00} in order for the loan to be current in order to process the modification. On XX/XX/XXXX my Single Point of contact verified that the payment was received and that " we should have an update next week. '' I received no updates, however did make another payment on XX/XX/XXXX in the amount of {$1500.00} verified by email on XX/XX/XXXX. Also on XX/XX/XXXX I received an email after inquiring why my Mortgage was still showing as delinquent - the single point of contact for my modification stated " I am going to do some research to verify why your loan is still delinquent after the modification. I will follow up as soon as I have an update. '' On XX/XX/XXXX I sent an email to XXXX Single point of contact asking how the XX/XX/XXXX payment could be delinquent ( as shown in the online portal ) - the response was " I am still waiting on an update, as soon as I have one, hopefully tomorrow, I will follow up. '' On XX/XX/XXXX I received an email from a new person st XXXX " My name is and I am working on your loan modification with . It looks like there was an issue with the last modification that we drew up and we needed to send you revised modification documents. It looks like we mailed those out on XX/XX/XXXX. Have you received those by XXXX yet? And if so, do you have any questions on the new terms of the modification? Please let me know, I will be happy to go over those with you. '' I replied on XX/XX/XXXX " XXXX is scheduled to deliver them today actually. May I ask what the revisions are to the Modification? Also, I am receiving almost daily calls stating that I am in arrears - may I ask where that stands? '' to which I received a reply " It looks like there was a payment missing from the modification documents and that may be why your account still showing past due. Your new balance has changed to {$100000.00} and the new total monthly payment will be {$1500.00}. That is all that has changed. I apologize for the calls. I can submit a complaint that will hopefully stall those until we get the modification completed. '' XX/XX/XXXX I receive yet another email from XXXX " Congratulations weve approved your loan modification! Please send us your signed and notarized agreement documents right away, so we can finalize your modification. '' On XX/XX/XXXX, we notified the Contact at XXXX that the documents had been sent via XXXX - we received a reply right away thanking us for sending them so promptly.
On XX/XX/XXXX I called to make a payment with XXXX after being unable to log into the XXXX payment portal. Upon calling I was notified that the loan was transferred to Selene Finance, and I would have to contact them to make the payment - I sent the following email to my Modification contact " Hello , Needless to say, I am now extremely concerned over that state of this loan.
Once again today I called in to make a payment, but this time I was told that the loan was transferred on XX/XX/XXXX to a new company, and that the agent that took the call has very limited visibility into the documentation. Could you please inform of what happened between the XXXX of XXXX, when you received the modification documents, and the XXXX - when apparently the loan was handed off somewhere else. I am now EXTREMELY concerned over the handling of this modification. '' to which I received a reply from XXXX " Your account was service transferred. We sent a letter on XX/XX/XXXX to advise of the transfer and the new servicers contact information. We have sent the modification over to the new servicer who will honor the agreement that XXXX offered. We will no longer be able to see details on your account and you will need to contact Selene Finance to make your next payment. '' I contacted Selene Finance, who were quite obnoxious that I was " very delinquent '' so I contacted my contacts at XXXX via email on XX/XX/XXXX " Well I called Selene.
Selene Finance says I owe a payment of {$9500.00} - And that NO information was transferred regarding a modification. and Therefore, I owe {$9500.00} immediately.
I need your assistance here - needless to say, this doesnt give us good feelings about this being a clean transfer of the Modification. '' I received a reply from XXXX on XX/XX/XXXX " is currently out of the office until XX/XX/XXXX I am currently assisting her. According to our records all the documents are transferred to Selene upon the service transfer of your account. Please try to see if you can speak one of the manager from the Selene and have them research the modification paperwork weve sent to them. '' I have continued making regular payments to Selene Finance despite being " discouraged from doing so if there is a modification pending '' from their telephone agents when calling to inquire about the Modification - each time being told that " We are still waiting on documentation from XXXX '' Latest payment was just made online on XX/XX/XXXX in the amount of {$1400.00}.
On XX/XX/XXXX I received a " Notice of Default and Intent to Accelerate '' from Selene Finance. I immediately called their customer service line and spoke to an agent who requested that I send the email to the Selene general customer service email stating that Selene had agreed to Accept the Modification from XXXX, WhichI did, and cc 'd the XXXX representatives, who immediately replied with " If this requires any further details would you please forward your request to XXXX? Since we no longer are servicing your account here at XXXX, I am unable collect any information on your behalf. Loan servicing will be able to see the previous details of your account. '' I resent the email including the above noted email address and Selene Finance, both XXXX representatives and myself as follows : " Resending per .
Please consider this a Notice Of Error for Selene Finance ( Loan # ), as the Modification ( Modification ) in process from XXXX XXXX ( Loan # ) has created issue with Selene Finance in sending notice of default and intent to accelerate dated XX/XX/XXXX.
I ask this be reviewed between Selene Finance and XXXX XXXX XXXX immediately to avoid and further complications. '' I feel this has been very poorly handled, and has caused extreme stress with not only myself, but with family. I wish to formally file a complaint over the handling of this Modification and transfer of Mortgage servicer. Both Parties ( XXXX and Selene Finance ) have acted very poorly in this regard - and it seems this is a common practice of Selene Finance - XXXX XXXX XXXX
|
| 10/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
On XX/XX/XXXX, we solicited a modification from Selene Finance, LP. They responded, saying that they had received our request, but did not offer us any options, and they did not inform us that they had put our home up for sale. Selene Finance, LP later sent us an e-mail on XX/XX/XXXX, where they informed us that they had sold our property. We sent them an e-mail in response on XX/XX/XXXX, where we described, in detail, a large part of their deceptive and malicious handling of our mortgage, including not telling us that they had put our home up for sale until after the date of sale. What is in this response e-mail is only a small fraction of what we've had to deal with over many years ( and does not include some of their most egregious conduct : like insulting us over the phone ; treating us in a seemingly discriminatory manner because we are XXXX ; telling us to " just hand over our home and stop being scoundrels ; '' creating procedural difficulties for us by demanding irrelevant documents that they knew did not apply to our case, such as the death certificate of the person applying for a modification ; we also interpreted their demands for our death certificates as mocking, insulting, humiliating, and as them wishing for our deaths ; they have also repeatedly refused to help us or give us any options with regards to our mortgage, not even a short sale or deed-in-lieu. ) Attached to this e-mail were documents supporting our claims. We will reproduce this letter below and send you all the necessary documents. Their behavior has forced us to file complaints before : we previously filed a complaint with the XX/XX/XXXX, where we reported their hostile and uncooperative behavior.
" To Selene Finance, Contrary to what you wrote in your e-mail, this is the first time we have received a communication from your company in a while. Your e-mail falsely claims that Selene tried every means of communication to contact us, but that we would not respond. Your e-mail tries to lay the blame for this situation squarely at our feet in an attempt to exonerate your company from any of the blame. You, Selene Finance, are trying to concoct a false narrative where you did everything right and we did everything wrong, where you offered us all the help and options available, but we just did not cooperate with you. The worst part is that you have all the resources you could ever possibly needmoney, legal representation, savvy businessmenand you still resort to lowly, underhanded, and petty tactics like misrepresenting the facts ( in other words, lying by omission, or sometimes, just lying ), insulting us, and not sending us important legal information ( in an effort to take advantage of our lack of legal knowledge and procedure ). For example, you have routinely sent us important letters uncomfortably close to the deadline ( most likely in a not-so-subtle attempt to make us miss important deadlines, so that we lose our home based on procedural technicalities ), or much later than anticipated. We always respond quickly, but you try to wait until the last minute to maximize the chances of us missing important legal deadlines. To you, this is another paycheck, our property another series of numbers in an infinite caseload, it means nothing to you except one more way to fatten your wallet by taking from those that barely have anything to begin with. To us, this is everything. This is our home, this is the place our children have grown up in, the place where we have created a life together. This is a battle we have been fighting for more than a decade, and we will keep fighting it until the end, because it is that important to us. Whatever happens, we want the truth to be known. Whatever happens, let it be known that we fought, honestly and humbly, until the end.
Your latest e-mail states that it was sent solely for the purpose of informing us. However, I think that the real purpose of the e-mail is to justify each one of the questionable actions of Selene Finance regarding the handling of our mortgage in order to prevent any claims being brought against you.
You claim that your company tried to communicate with us on numerous occasions in an effort to give us more options and assist us with loss mitigation procedures. However, we were not contacted by your company, not by phone, and not by email. You did send us some letters where you explained the options that were available to us to avoid foreclosure, but we know that these letters were merely a formality, because when we did apply for a modification, we did not receive any help from you. You made no options available to us. Additionally, I want to remind you that when we called your company in XXXX asking for help, you responded by insulting and offending us on the phone, and later, by mail. We reported you to theXX/XX/XXXX for this unprofessional conduct.
In your email, you also claim that Selene Finance did not receive an application package from us between the dates XX/XX/XXXX-XX/XX/XXXX. However, we have, in our possession, the very letter that your company sent us confirming that you had received our completed application in XX/XX/XXXX, which also stated that Selene would come to a decision regarding our case in a few days. We also have your XX/XX/XXXX letter, in which you denied us any and all help ; you refused to give us the option of a short sale, a deed-in-lieu, or a standard modification. Thus, if you had really wanted to help us, like you say you do, you would have already done so, and we would not be having this conversation.
You also claim that you have not received another application from us since XX/XX/XXXX. I want to remind you that, at the beginning of your e-mail, you, yourself, state that Selene received another request for a modification from us via e-mail on XX/XX/XXXX. Furthermore, we received your response XX/XX/XXXX, in which you stated that you had received our request but could not offer us any options or any help.
You also state that we needed to have sent Selene a completed loss mitigation application 37 days before the date of the sale of the property by reason of foreclosure. How could we have known that if you never informed us that our property was put up for sale nor the date of the sale? Even though you say in your e-mail that you wanted to help us keep our home, your letters and actions show the opposite. Because of all the above facts, I object to the sale of our property.
I have not had a legal representative for an exceedingly long time. I am only a mother seeking help from your mortgage company to save our home, and I received no help from you. My only resources are the truth and the help of XXXX.
Sincerely, [ redacted ] ''
|
| 08/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I live in XXXX, Wyoming I have lived in this home for 26 years.
I have refinanced this home a couple time since I have a regular 30 year loan that doesnt have a Federally backed name attached to it.
My mortgage was current and my credit decent at the beginning of this story Bank XXXX XXXX serviced my loan for over 10 years until XX/XX/XXXX.
In XXXX I was given a loan modification to reduce my payments because I had become unemployed.
As I began the trial period making those payments XXXX affected my ability to work even more difficult. Money was getting tight and I accepted the forbearance option. I was told that the amount amassed while in forbearance would be deferred until the end of my loan or upon selling the house.
When my loan came out of forbearance I received a statement requesting both the modified payment and the lump sum total from Bank XXXX XXXX. When I called to make a payment they told me the amount due was the modified payment amount, so I paid that.
I got another statement with the lump sum total. When I called Bank XXXX XXXX I was told I needed to request a deferral. I asked for the paperwork to do so.
When I wasnt sure if the paperwork I received was the right form I called Bank XXXX XXXX. This time I heard I could not have XXXX modifications in the works concurrently. I preferred the lump sum be deferred, and was advised that after approval of the deferral I could request the modification of payments again and it would likely get approved, and if I wanted that deferral now I needed to write a letter stating that I did not want the modified payments in order to request the deferral. I wrote that letter and they received it.
I made another payment or XXXX of whatever amount they were asking for. In XXXX or early XXXX I realized I had not gotten my mortgage statement and knew it was due, so I called Bank XXXX XXXX. They told me that my loan had been sold to Selene Finance, and connected me to them.
I was on the phone with Selene finance for over XXXX minutes before the call was disconnected. Most of it spent in silence and without a callback. When it began they requested the lump sum total. There was no other option offered. I explained the situation, and then said, are you there every XXXX minutes.
The next couple calls I made I explained the situation. I always offered to make my monthly mortgage payments. I was told I could do that. At one point I was told I received the paperwork needed to ask for the deferral I thought I had. I only got were notices saying I had requested paperwork, more calls were made on my end one of them saying to wait to do anything until my State approved the post Covid-19 assistance program. Finally I was connected to someone who directed me to the paperwork before that call was also disconnected without a callback.
I completed the forms and gathered multiple documents that were requested and submitted them through XXXX XXXX I heard nothing, so I called them again after a guy was parked outside my house taking pictures and my boyfriend confronted him to discover he was doing so for a foreclosure. This was when I learned that I had submitted a blank application, but all my other stuff had been received, so my modification requst had been denied. On my end the one submitted was complete. I opened up gthe documents, but this time I faxed it in.
A month later I was denied any modification and given XXXX options that would force me out of my home. I wrote a long letter requesting an appeal.
That appeal was denied, and that was around the same time I heard that I probably wouldnt have any options at all because I was unemployed. I could prove I had money in the bank to pay that amount, but it was all I had, and I am in a situation where I cant work, which makes thinking about finances terrifying. I have applied for XXXX, but it is a slow process. I sent Selene my application for XXXX with my application.
I got a letter from Selenes attorney stating that I owed the full balance of my loan. I wrote to them ato address the situation. They told me to call Selene. I did so once again and heard I was out of options, but paying the lump sum, and the amount I was behind now in addition to it. I offered to pay the amount that had accred since the end of the forebearance right then, but was XXXX it wouldnt matter if I did.
For the first time Selene attempted to contact me, but the calls were happeneing while I was still asleep and there were no messages left, finally they called when I was awake and I answered. I explained the story again to another new person, and this one made me feel like a paranoid psycho by asking if I really thought that there was a calculated and pointed vendetta against me formulated by my loan servicers. I told him I assumed I was an oversight. When I asked if they had the information from Bank XXXX XXXX about my loan status at the time they aquired my loan. He told me I could call Bank XXXX XXXX and get it for them. Finally I was given the advise to recomplete and submitted the exact same thing I had done to buy myself 30 days, but he inferred that I would not have another option after that than pay the lump sum and thereafter. He offered to send me the paperwork. I offered to pay the thereafter amount again.
I applied for homeowners assistance funds and had the HUD counseling meeting. I actually got a really bad case of Covid which delayed my completion of that paperwork. I submitted the inital stuff and then a much more detailed application with multiple documents. A few days later the HUD XXXX said that my digital signature XXXX not work, and I needed to resubmit my documents with my handwritten signature. I offered to fax them, not realizing how many pages were involved once printed out. I decided to just drop them off. I put them in an envelope and wrote my name and number on it in case it was at the wrong place. I had a message a week later saying I had indeed gone to wrong place.
I emailed my HUD contact, but he was on vacation and didnt see my email. I learned this when I called after not hearing from him.
I took that paperwork to the right place and gave it to him.The HUD contact called yesterday and said I needed to fill out the XXXX application, and that he would be a third party with me while I called XXXX to discuss the situation. He also said I would probably need to pay the lump sum.
I have been offered no other options, but to make a lump sum payment that goes up in total very month.
I have about XXXX emails from me to XXXX, but outlook is being fussy. They haven't worked coming to me only saying they were received.
|
| 07/26/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Loan Number : XXXX Borrower : Formerly : XXXX XXXX XXXX XXXXXXXX XXXX changed to XXXX XXXX XXXX ( without prior consent or knowledge and after the judge closing the estate naming XXXX XXXX as the successor in interest in the property addressed : XXXX XXXX XXXX XXXX, XXXX, SC XXXX ).
To Whom It May Concern : I am writing to you today to file an official complaint against the aforementioned mortgage company known as Selene Finance, LP. It is my desire that a full thorough and forensic audit be performed on all locations of said company.
Since the passing of XXXX XXXX XXXX, borrower, Selene Finance has been impossible to pay or deal with. You may ask why the mortgage wasn't refinanced. We were informed by Selene that it would not be necessary to refinance the mortgage and lose the 5.75 % interest rate. We could simply make the payments. Then the trouble began. On multiple occasions they have refused payment from us on the mortgage. A loan modification was approved by them on XX/XX/XXXX, stating the payments would be {$630.00} with the first payment being due on XX/XX/XXXX. Prior to their approval of the modification, XXXX XXXX XXXX XXXX XXXX forwarded them a tax notice stating that property taxes of {$930.00} were due and payable. Selene Finance PAID these taxes on XX/XX/XXXX. The new mortgage payment of {$630.00} should have included any arrearage in escrow since the taxes were paid prior to the approval of the modification. An ACH form was completed by XXXX and XXXX XXXX upon acceptance of the modification terms and returned with said documents so the mortgage payment could be automatically drafted from their bank account on XX/XX/XXXX. Selene Finance did NOT automatically draft the payment and offered no explanation why this was not done. This is not the first time XXXX and XXXX XXXX submitted an ACH form for automatic withdrawal of payment and was not the first time that it was NOT done by Selene which caused the account to become delinquent. Upon the realization that the payment had not been drafted from the account, XXXX XXXX went online to the customer portal and paid {$650.00} which was more than the payment due. These monies, as she later found out, were placed in a " special account '' and NOT posted towards the mortgage. To her knowledge, these monies are STILL sitting in said account. She has made multiple attempts to contact Selene and get answers to her questions regarding the status of the account. She is an authorized spokesperson for the account with authorization being provided in writing to Selene Finance. She has been unsuccessful in receiving the answers to these questions. In an attempt to pay online again, she first reached pages that stated the site was under maintenance and unavailable. It was too late in the evening to call the offices. She kept trying. Finally, when the site was no longer under maintenance, she was directed to a new customer portal. The site explained that this was a new customer portal and customers would have to register for this site. She entered the information for the mortgage such as loan number, last XXXX of the borrower 's social security number, borrower 's date of birth, and the borrower 's name. The site told her that no account could be found with that name. Thinking that she may have made a typographical error, she tried again and received the same error message. She then called Selene Finance on XX/XX/XXXX, at XXXX and spoke to customer service representative XXXX XXXX XXXX explained that at some point in time that was undisclosed, Selene Finance, LP had changed the borrower 's name to XXXX XXXX XXXX. XXXX XXXX was originally the Executor of the estate ; but the estate had previously been closed and she was released from this obligation. Selene Finance, LP had made these changes without anyone 's consent, signature, or information. They had received multiple emails with an attachment of the judge 's order to close the estate and release XXXX of said obligations. XXXX and many numerous representatives in the past had confirmed that Selene indeed had received these documents and scanned them into the file. At this time, they are attempting to foreclose on the mortgage and have named XXXX XXXX as successor in interest and XXXX XXXX XXXX as the borrower listed on the mortgage as defendants. Just today, a monthly mortgage statement was received at the property address of XXXX XXXX XXXX XXXX XXXX, SC XXXX, addressed to XXXX XXXX, but shows XXXX XXXX XXXX as the borrower ( and she is not ). Selene Finance and their attorneys, XXXX XXXX & XXXX, XXXX ( XXXX XXXX XXXX, SC XXXX # XXXX ) acknowledge that they have no contact information for XXXX XXXX XXXX and they should not because she is not the borrow or responsible party of the mortgage in question.
This company has caused undue stress and mental anguish to XXXX XXXX, XXXX XXXX and their daughters, and to XXXX XXXX XXXX and her family as a result of their attempt to STEAL the property in question through illegal practices and unwillingness to allow these individuals to speak to someone in upper management that may be more aware of state laws and regulations regarding mortgages on properties in South Carolina. A satisfactory outcome of this complaint will include : 1. The mortgage being brought current with no late fees or other penalties or years added to the terms. 2. To retain the terms of the previous modification agreement to include payments of {$630.00}, no longer than 360 months. payments to be automatically drafted from the bank account of XXXX and XXXX XXXX based on the aforementioned signed and returned ACH form. 3. XXXX XXXX XXXX be REMOVED as the borrower and no other attempts to connect her with said property be made. 4. Selene Finance, LP make restitution to XXXX XXXX XXXX and XXXX and XXXX XXXX for the undue stress and mental anguish they have caused. 5. Criminal Charges be made against Selene Finance, LP and their officers and investors for the fraudulent practices they have been indulging in for multiple years. 7. Selene Finance, LP officers and investors be brought before a Congressional Hearing to answer the multiple accusations made against them in this case and the multitudes of others that can be found by searching the reviews of consumers via the internet. Based on the multiple, nationwide reviews, Selene Finance, LP has been indulging in such illegal practices for many years! We appreciate your kind and considerate attention to this most urgent matter.
Sincerely, XXXX and XXXX XXXX
|
| 03/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene Finance sent us a Loan Modification Agreement dated XX/XX/XXXX. The Agreement reflects an Unpaid Principal Balance of {$450000.00}. We believe this amount is erroneous, as set forth below. Supporting documents are attached.
On XX/XX/XXXX, we entered into a Loan Modification Agreement with the previous lender, XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to this agreement, the Principal Balance of the loan was {$410000.00}. Of that amount, {$54000.00} was moved to the Deferred Principal Balance. The Principal Balance was reduced from {$410000.00} to {$360000.00}, with a Deferred Balance of {$540000.00}.
Due to our income being reduced as a result of the COVID-19 pandemic, we entered into a Pandemic Relief Plan offered by XXXX XXXX. Pursuant to this plan, our monthly payments, including principal, interest, and escrow, were paused from XX/XX/XXXX, through XX/XX/XXXX, for a total of XXXX payments. Pursuant to the Pandemic Relief Plan, these payments, in their entirety, including principal, interest, and escrow, were moved to the end of the loan. Thus, these payments, totaling {$45000.00}, were moved to the Deferred Balance.
From XX/XX/XXXX, through XX/XX/XXXX, we made a total of three payments, in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We also made four payments of {$3900.00} to Selene, in XXXX, XXXX, XXXX, and XX/XX/XXXX, which were the trial payments related to the loan modification. The total of these XXXX payments is {$23000.00}. The rest of the payments from XX/XX/XXXX through XX/XX/XXXX were deferred under the Pandemic Relief Plan. All of the missed payments, including principal, interest, and escrow, were simply moved to the end of the loan. Thus, the total balance should not have increased. We did not receive any new money.
On XX/XX/XXXX, our total balance owed was {$410000.00}. We made seven payments totaling {$23000.00} ( three payments of {$2400.00}, and four payments of {$3900.00} ), and 18 payments were moved to the end of the loan, and thus are still included in the {$410000.00}. Yet, as of XX/XX/XXXX, Selene is telling us our total balance is now {$450000.00}. Thats an increase of {$43000.00}, with no explanation. That amount is not interest, because the interest payments we missed during COVID are included in the Deferred Balance. Further, Selene concedes, in its letter dated XX/XX/XXXX, that amounts in the Deferred Balance do not accrue interest.
We sent a Qualified Written Request to Selene dated XX/XX/XXXX, outlining this and other errors by Selene. Selene responded by letter dated XX/XX/XXXX, received by us on XX/XX/XXXX. Selene conceded this response was late. With respect to the above error, Selene stated that it is under no obligation to respond to certain inquires [ sic ] contained in the letter, and thus did not explain the additional amounts charged. Selene can not be allowed to charge us {$43000.00}, and then claim they are under no obligation to tell us what those charges are.
Additionally, we have requested, on multiple occasions ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), a copy of the original note for this loan, front and back. Selene will only send us a copy of the front. This loan has been sold twice, and the endorsements are on the back. We believe we are entitled to see the back of the note.
Selenes stated deadline to execute the Loan Modification Agreement was XX/XX/XXXX. We were told by a Selene representative, by telephone, that Selene would work with us on that deadline. However, we did not receive the response to our QWR until XX/XX/XXXX. On XX/XX/XXXX, we requested an extension of time to execute the Loan Modification Agreement, as we were reviewing the response to our QWR, and Selene had told us they would work with us on the deadline. However, by letter dated XX/XX/XXXX, Selene denied our request for an extension, telling us the documents must be returned by XX/XX/XXXX, which is of course impossible, as that date had already passed.
It must be noted that we began the process of applying for a loan modification in XX/XX/XXXX, when we were three payments behind. Selene continued to request more documents from us, or would call without leaving a message, so we did not know they wanted more documents. When they claimed our loan modification application package was incomplete, on multiple occasions, they would deny it, and we would have to start over. We sent a total of four full application packages before Selene would finally review it and approve it, in XX/XX/XXXX. Since our understanding was that our monthly payments were paused during the application process, we did not make payments, believing, each time we sent an application, that our application was being reviewed. Because of this delay in Selene reviewing our loan modification application, we fell further behind in our monthly payments.
It should also be noted that we had to send our QWR twice because the address on the Selene website is wrong. We did not know for weeks that it was not received. We also had to resend our first loan modification trial payment because that address on the Selene website also was wrong. The first payment was by cashier 's check, so we had to withdraw the money from our account twice in order to pay Selene ( both payments were properly credited ).
In sum, Selene has committed the following errors with respect to our loan : XXXX. They did not timely respond to our QWR, in violation of RESPA.
2. When they did respond, they did not explain the {$43000.00} in additional money charged to our account, claiming they are under no obligation to do so.
3. They refused to extend the deadline for executing the Loan Modification Agreement, despite telling us they would work with us in that regard.
3. They have failed, after multiple requests, to send us a copy of the back of our original note, showing the endorsements.
We are requesting that Selene : ( 1 ) remove the excess charges from our account balance, up to and including {$43000.00}. To the extent any additional charges are reasonable and allowed by law, Selene should itemize and explain those charges, as we are entitled to know what we are being charged for.
( 2 ) provide us a copy of the back of the original note related to this loan.
( 3 ) revise the Loan Modification Agreement in accordance with the above, and resend the documents to us for execution.
( 4 ) update their website to remove erroneous addresses and any other erroneous information relied upon by borrowers.
|
| 08/28/2023 |
Yes |
- Debt or credit management
- Mortgage modification or foreclosure avoidance
|
- Charged upfront or unexpected fees
|
|
Web |
|
|
Hello, I've been going through hardship for over 2 years now. On XX/XX/XXXX I applied for the State of Michigan MIHAF program grant. On XX/XX/XXXX I was APPROVED XXXX to go to Selene Finance to pay off my delinquency on my mortgage. The funds were sent to Selene Finance on XX/XX/XXXX and they cashed it on XX/XX/XXXX. ( which I have ALL supporting documentation ) My mortgage statements only reflected {$16000.00} was applied. During the following monthly statements, I called Selene Finance to inquire about the XXXX and where the remaining funds were applied. I thought possibly it was applied to a deferment plan amount of {$11000.00} which isn't legally due till the end of term loan in XXXX or when I sell my home. I was originally told by XXXX at the MIHAF that {$13000.00}. was to go to outstanding delinquent payments and {$11000.00} to the deferment plan amount, with a remaining escrow due for XXXX XXXXXXXXapprox which I could call Selene Finance to discuss payment options on that balance. These amounts were confirmed again on Thursday, XX/XX/XXXX with XXXX from MIHAF. However, as of XX/XX/XXXX I was laid off and decided to change my career path for further growth. I was blessed again and received full funding for 2 certified classes through XXXX for XXXX XXXX and XXXX XXXX. XXXX benefits were only for 20 weeks and ended on XX/XX/XXXX ( NO extensions due to NO funding ). My alimony payoff was also on XXXX XXXX for {$12000.00} at which time I paid some of my delinquent bills of which included 3 auto loan payments and 1 mortgage payment on XX/XX/XXXX for {$1000.00} ( it was applied to my 1st mortgage payment due date of XX/XX/XXXX. This is what I understood happened and that's how it shows up on my statements. On XXXX XXXX I developed a XXXX XXXX XXXX and was in XXXX XXXX. I couldn't walk for over a week. I had NO medical insurance after my XXXX XXXX, I couldn't afford it. All my bills were piling up, and Selene Finance could never provide me with an answer as to WHERE the remaining {$8300.00} difference from the XXXX is? Not only was I in a financial hardship yet again, but now a physical problem that caused me extreme pain and major XXXX. I felt XXXX. I did find help through XXXX XXXX in XXXX, MI. I spoke to a XXXX XXXX XXXX for free behavioral health and medical for my XXXX in the month of XX/XX/XXXX. Once my XXXX benefits ended and I ran out of $ the state provided me with XXXX and I had my XXXX XXXX replace on XX/XX/XXXX. I'm waiting for my XXXX XXXX to heal more so I can receive a TOTAL XXXX XXXX replacement in the next few months. I've applied to Social Security for Disability and Supplemental Income on XX/XX/XXXX. I applied with the State for Cash Assistance for XXXX on XX/XX/XXXX after receiving proof from SSD. I'll be waiting a while. On XX/XX/XXXX I called Selene Finance, spoke with XXXX, she advised me I had to put my request in writing. So, I immediately emailed Selene Finance with the request. I had a ton of things going on, keeping me very busy. I followed up with XXXX on XX/XX/XXXX for a response. I asked the rep XXXX XXXX, if he could see the XX/XX/XXXX email I sent for the request, he said YES! Then, he advised me it can take up to 30 days. I also asked if they started a foreclosure? He advised me YES, it was sent to XXXX XXXX XXXX on XX/XX/XXXX. I received the notice on XXXX XXXX dated XX/XX/XXXX of foreclosure with an AUCTION DATE SCHEDULED FOR XX/XX/XXXX!!!!! On XX/XX/XXXX I emailed Selene again with a copy of the XX/XX/XXXX email and expressing an immediate resolution to this situation. I received as response SAME DAY confirmation that they receive this email and to call if I had questions. HELLO!!!! ANYONE HOME???? I scheduled a meeting to take place on XX/XX/XXXX with XXXX XXXX XXXX XXXX services through the state programs to assist consumers regarding the mortgage discrepancy. I met with XXXX XXXX, Director at XXXX. We both spoke to MIHAF again, they advised us that the XXXX was cashed, NO return funds were received back to them from Selene Financial. Then, we called Selene, the rep advised us she couldn't see my email request dated XX/XX/XXXX asking for the details of the XXXX XXXX. XXXX and I were very persistent as to the TIME SENSATIVE situation I had going on. Still NO answer but we had to wait still for them to look into it. I submitted a second email with a copy of the email dated XX/XX/XXXX and time along with yet another request for resolution. I advised them to apply the remaining XXXX funding to my delinquent {$6800.00} total as of XXXX XXXX. So, this could bring me current and avoid foreclosure IMMEDIATELY!!! I've been advised by XXXX XXXX " XXXX '' department per XXXX that even though I'm going to write XXXX XXXX and provide supporting documentation, it will NOT STOP THE AUCTION on XX/XX/XXXX. Should have NEVER GONE TO A LAWYER. Emailed Selene on XX/XX/XXXX, Loss mitigation seems not to care if I'm put out on the street homeless. Customer Services isn't doing their job and I'm going to lose my home for it. On XX/XX/XXXX Selene Finance LP emailed me a REINSTATEMENT QUOTE asking me to pay {$6900.00} to Selene Finance Attn : Cash Services in XXXX, TX, overnight or wire transfer. I DID NOT!!! CC email to XXXX too. On XX/XX/XXXX I emailed XXXX XXXX, Selene Finance 's customer service, loan resolution department and CC 'd Amandla DISPUTING ALL & docs. I received an email from Selene the next day that she couldn't open JPG format. I resent again. I called XXXX XX/XX/XXXX, and spoke to XXXX in Loss Mitigation, he ESCALATED IT to a Supervisor in Cash Services to search for XXXX . I asked how long, XXXX hours. To be continued on Monday, XX/XX/XXXX. Hope to hear back from you too. Thank you so much.
I believe it is very clear what the resolution needs to be. Find the missing {$8300.00} from MIHAF sent to Selene Finance on my behalf due to my XXXX hardship, and now still in a VERY DIFFICULT, STRESSFUL AND PAINFUL TIME!
Also, I requested multiple times via email to Selene Finance, that I should also be receiving credit for ALL the extra charges, late fee etc .... since I should have had a credit on my mortgage once it posted at the end of XX/XX/XXXX or beginning of XX/XX/XXXX. It would have really helped me since I was laid off from my job on XX/XX/XXXX. Not only would I be caught up with my current mortgage but possibly a couple of months ' worth of credit on my account as I wait for State Cash Assistance and Social Security XXXX etc.
|
| 07/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I initially, sought a loan modification during the housing crisis in early XXXX. In XX/XX/XXXX, a XXXX representative advised me to discontinue payments in order to qualify for XXXX of their programs. She advised me to stop payment on the checks I had already sent in that month. I carefully followed the directives to send specific documents on multiple occasions ( paystubs, tax returns, hardship letter, bank statements, etc. ) In early XX/XX/XXXX, I received an acknowledgement letter for XXXX stating that help would be available through one of their programs. A few days later, I came home and was shocked to find a foreclosure complaint that was given to my son. I contacted the firm XXXX XXXX XXXX XXXX XXXX XXXX ) as indicated on the one of the documents for further assistance. Again, I sent the requested documents to secure a loan modification. I later learned that this type of action is called dual tracking! Subsequently, the unsecured mortgage debt with XXXX XXXX XXXX XXXX was XXXX in a XXXX XXXX bankruptcy in XX/XX/XXXX.
Since that time, I have continued to make property tax payments directly to the county and homeowners ' insurance payments to my individual provider ( s ). I have also been diligently attempting get an accurate accounting of the outstanding loan balance and interest rate in order to secure a modification. Since the debt was XXXX and the XXXX loan was identified in the national foreclosure review as being problematic due to the robosigned documents filed in the foreclosure case, I have tried, unsuccessfully, to work with servicers ( XXXX XXXX XXXX, XXXX, XXXX XXXX and now Selene ) to apply the correct measures required for servicing in this case. Namely, principal and/or interest rate reduction according to XXXX XXXX XXXX Nonperforming Loan guidelines ( XXXX ) and the XXXX guidance on monitoring discharged secured debts ( asset valuation and accruals, repayment potential, etc ). Each set of directives provides for a waterfall of options to help distressed homeowners in an effort to minimize the disastrous outcomes of avoidable foreclosures. In spite of the multiple complications, a foreclosure judgment was granted in favor of XXXX XXXX XXXX XX/XX/XXXX in the amount of over {$380000.00}. This amount included accrued interest and past due amounts based on a default date of XX/XX/XXXX.
Between XX/XX/XXXX and today 's date, I have been unable to secure an affordable loan modification.
In XX/XX/XXXX, I filed a XXXX XXXX bankruptcy in order to streamline payments to creditors and remove the threat of foreclosure of my homestead. XXXX XXXX filed a proof of claim outlining a balance of over {$460000.00}. The case was abruptly dismissed in XX/XX/XXXX prior to plan confirmation - even though I had not missed any payments and provided all information requested by the Trustee. XXXX XXXX swiftly sent me a letter stating a loan default date of XX/XX/XXXX and reported to the credit bureaus that I had a past due balance of approximately {$290000.00}.
In XX/XX/XXXX I refiled a XXXX XXXX bankruptcy to help streamline payments to creditors. My plan was confirmed in XX/XX/XXXX, which included adequate mortgage payments to XXXX. XXXX. I also applied for a loan modification which I thought was being processed through the court 's XXXX program ( I belatedly and surprisingly realized that it was not because no supporting documents were uploaded to the portal as required ). In XX/XX/XXXX, XXXX XXXX denied the modification request without an actual mediation taking place ( they prematurely cancelled it ). My attorney did not appeal the denial decision as I requested. At the end of XX/XX/XXXX, XXXX XXXX exited the bankruptcy case and XXXX XXXXSelene Finance became the new creditor/servicer effective XX/XX/XXXX. In XX/XX/XXXX, Selene submitted a payment change notification to the Trustee. It reflected an interest rate increase from 7.999 % to 8.999 % and also included an escrow amount totaling {$530.00}. I asked my attorney to advise Selene that the amounts were incorrect and provided my proof of escrow payments and also reminded him that XXXX notified me in XXXX that they modified the interest in XXXX to a fixed rate. A hearing was subsequently scheduled in XX/XX/XXXX. However, I was advised by my attorney that the attorney for Selene did not attend the hearing. There was a follow up hearing regarding plan modification and Trustee motion to dismiss. On XX/XX/XXXX, the motion to modify plan was denied and my case was dismissed ( without prejudice ) due to " no opposition ''. The dismissal order was issued on XX/XX/XXXX. I was unable to contact my attorney for several days. He later notified me that he was not present at the hearing - hence, no opposition to the motion. On XX/XX/XXXX, XXXX XXXXSelene submitted a motion to reschedule foreclosure sale. There was no hearing. An order was issued on XX/XX/XXXX, with a sale date of XX/XX/XXXX. In the interim, I received a letter from Selene dated XX/XX/XXXX. This letter outlined options for remaining in my home. I selected the temporary forbearance option, since I became unemployed. After speaking with a Selene representative on XX/XX/XXXX, I submitted a completed Selene application on XX/XX/XXXX, to the email address on their form/website. I immediately received an acknowledgement email response.
On XX/XX/XXXX, after not receiving any further correspondence from Selene and with the fast-approaching sale date, I called Selene again and spoke with 2 representatives who provided 2 different feedbacks to the pending loss mitigation application. The first representative said it was being reviewed, the second representative said there was nothing on file ( it was blank? ). The second representative also confirmed that the sale date would not be cancelled because they had enough time to provide a decision for the pending loss mitigation, answer to the CFPB complaint and Notice of Error letter. On XX/XX/XXXX, after not receiving the requested information or forbearance decision, I again called Selene and spoke with a representative for approximately 40 minutes. She provided contradictory information and also advised me that the sale is still scheduled for XX/XX/XXXX. This representative confirmed Selene 's receipt of the loss mitigation documents from me on both XX/XX/XXXX and XX/XX/XXXX. I reminded her that federal law now prohibits this dual tracking course of action and the sale should be cancelled accordingly.
|
| 05/30/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Im filing this complaint because over the past ninety-days it appears that Selene Financial has been assessing fake charges to my account. I believe they are doing this in an effort to absorb the credit on my account in an attempt to steal additional money from me, and force me to pay more than is due on my monthly mortgage.
I have been delinquent on my mortgage since XXXX. Back then I was three months behind on my mortgage, but had come up with a plan to bring my mortgage current. I sent in my monthly mortgage payment so that I would not go beyond three months delinquent, and I sent that payment in electronically by my bank. Unfortunately, Selene Financial rejected that payment and told my bank that my account with them had been closed. So, they forced me into the foreclosure process.
I contacted Selene and complained to them, and they denied that they had actually rejected my payment, even though my bank showed me the proof that they had done it. Selene then agreed to enter into a repayment agreement with me, but only if I signed, and agreed to give them a XXXX XXXX balloon bonus. They wanted me to agree to pay them at the end of my loan, a balloon payment of XXXX XXXX XXXX dollars if I wanted to keep my house. Thereafter, I filled for Bankruptcy.
Over the past few years, I have been making my payments as agreed and bringing my account current. But several months ago, I applied for mortgage relief assistance from the California Mortgage Relief program. I was approved for the program, and as of XX/XX/XXXX it brought my mortgage account current, and my next payment wasnt due until XX/XX/XXXX with a {$150.00} credit. My payment for XX/XX/XXXX was {$1800.00} - {$150.00} = {$1600.00} ( See attached mortgage statement ).
Then all of a sudden for some strange reason, my mortgage statement dated XX/XX/XXXX changed my payment due amount, and now my mortgage payment due for XX/XX/XXXX, went from {$1600.00} to {$1600.00}, which is {$31.00} more. Why did my mortgage statement change? Why was I charged a {$31.00} fee on my account with no explanation?
And then, in the following month on my mortgage statement dated XX/XX/XXXX, my mortgage payment changed again. For XX/XX/XXXX my payment changed from the increased amount of {$1600.00} to {$1700.00}, which is {$100.00} more. That is now a grand total of {$130.00} dollars charged against my credit that I had.
Then I received a Annual Escrow Account Disclosure Statement from Selene Financial that my mortgage payment was increasing from {$1800.00} to {$1900.00} effective XX/XX/XXXX. So now I was being required to pay {$1900.00}, and they now totally absorbed/stole my {$150.00} dollar credit. Even if my mortgage amount did increase, they dont have a right to illegally absorb my credit, but they are trying to.
I called Selene Financial and advised them that they were illegally raising my monthly mortgage payment amount. They advised me that their Tax Department was responsible for the increase based on their analysis, and they were the only ones that could reverse the increase. So, I contacted their Tax Department, explained to them their error, they researched their determination, and agreed that the increase was in error, and reversed their increase.
So, after reversing their error, and the monthly mortgage amount for XXXX was reduced, it was only reduced to {$1700.00}, which is {$130.00} more than the {$1600.00} I was suppose to pay before they made their increase error. Companies like Selene Financial should be heavily fined for making these fraudulent attempts to steal customers money. What happened to my {$150.00} dollar credit?
I was made aware that while checking my current annual taxes it was discovered that my taxes had increased from {$6400.00} to {$6600.00} which is a difference of {$120.00} annually.
{$120.00} divided by 12 months is {$10.00} per month. So, my monthly increase should only be {$10.00} per month. So, my previous monthly mortgage amount of {$1800.00}, should only increase to {$1800.00} effective XX/XX/XXXX. And when my {$150.00} is applied to my account, my mortgage amount should only be {$1600.00} for XX/XX/XXXX.
I called again and spoke Selene Financial regarding their error of overcharging me, and they told me that they made the correction and my mortgage amount has been corrected and it will now be {$1800.00}. But they said it has to start on XX/XX/XXXX and I have to pay the incorrect amount of {$1900.00} for the month of XX/XX/XXXX. Are these people crazy.
They said the way that their computer works, if its less than 45 days before the change is to take effect, they must move the change to the following month ( i.e. XX/XX/XXXX ).
So now, they are not only illegally stealing my {$150.00} dollar credit, they are also attempting to steal and additional {$89.00} dollars for a grand total of {$240.00}. {$1900.00} minus {$1600.00} = {$240.00}.
I get that some computer software may have limitations, but there are very simplistic methods and techniques that have been available for decades to resolve these simplistic limitations. One is called an accounting credit. That is when someone goes into the accounting part of the computer software and applied a dollar amount ( credit ) for the difference between what the computer is charging, versus what the client actually owes. Its really, really simple. Ive done it tons if times at work. So why does this appear to be so complicated for a multi-million-dollar company named Selene Financial?
And the worst part is, Selene Financial appears to be upgrading their computer system next month between XX/XX/XXXX, and XXXX, so there is no telling what the heck will happen to the numbers on my account then.
Simply, I asking that a credit be applied to my account to reflect the actual balance that I owe which is {$1600.00} effective XX/XX/XXXX. Otherwise please provide me with a full accounting of my account beginning with XX/XX/XXXX, to the present.
I am happy that my account is finally current, and all I want to do is pay my mortgage and not have to deal with these Selene folks. But it feels like Im surrounded by a pack of rats/thieves that just keep nibbling at the bit, trying to take more from me than they are entitled to receive.
Thanking you in advance for your attention to this matter.
|
| 11/10/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX 's Agent, Selene Finance LP received my loan from XXXX XXXX XXXX on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX terms, by law, remain the same after the transfer, yet Selene Finance has not honored those terms and instead have assigned to my account an interest rate three times the amount of that specified in my confirmed loan agreement and a monthly payment amount also roughly three times of what I am required to pay. Please note that under the terms of the transfer by law The assignment, sale or transfer of the servicing of the mortgage loan does not affect any term or condition of the mortgage instruments, other than terms directly related to the servicing of your loan.
After a month and a half of constant erroneous accounting by Selene Finance LP regarding my loan and blocking me from their website so that I can not manage or observe my account, I again, contacted Selene Finance LP on XX/XX/2022. I spoke to a representative named XXXX, and I immediately followed up with an email attaching my confirmed loan agreement which, as stated, should not be altered by Selene Finance due to the transfer of servicing from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive yet to hear back from XXXX or anyone, after being assured by him a review would take place. Exactly what needs to be reviewed is unclear since this is a matter of law and specific numbers. The time allotted for this so-called review period of ten days has long since been exhausted. What official loan agreement documents are the Selene Finance LP claims based on?
As of today, there have been two occasions where I asked to speak to a XXXX at Selene Finance LP, [ ( XXXX ) XXXX Customer Service ] and no one was put on the phone to talk to me about a review that should have ended weeks ago. Instead, I was put on hold for more than 15 minutes and then disconnected.
I have been harmed by Selene Finances failure to comply with the terms of my agreement in the following ways : I can not access my account online due to Selene Finance blocking me from doing so based on their claim that my account is in a delinquent status.
I am at risk of having late fees applied when there should not be any late fees and they have indicated a willingness to report negatively to the credit unions if I do not comply with their ILLEGAL demands of inflated payments.
When I initially went to the Selene Finance LP ( www.selenefinance.com ) website to set up XXXX payments, Selene took out the wrong amount which far exceeded the amount I specified on the online application. My bank, XXXX XXXX XXXX investigated and concluded Selene was at fault for removing an unapproved amount which caused me to be without funds that should have never been debited from my checking account, for more than a week.
The life of the loan payments began on XX/XX/2022. Since then I have made five monthly payments of {$110.00} as specified by the terms of my loan agreement on the following dates of completed processing : XX/XX/XXXX ( for XXXX ) XX/XX/XXXX ( for XXXX ), XX/XX/XXXX ( For XXXX ), and XX/XX/XXXX ( For XXXX ). I owe {$110.00} for XXXX due on XX/XX/XXXX and that payment has been scheduled through my bankXXXX XXXX XXXX XXXX. Therefore, I am not delinquent, and Selene Finance should reflect that. Incidentally, Selenes automated response did not account for the XX/XX/XXXX payment. The most recent payment for XX/XX/2022 was processed on Friday XX/XX/XXXX.
On Friday XX/XX/2022, I received yet another threatening letter from Selene Finance LP dated XX/XX/XXXX, stating that I owe {$320.00} each month and that I am delinquent for the payment due on XX/XX/XXXX. The notice states that my credit rating could be negatively impacted. Again, my modified loan agreement that was transferred to XXXX XXXX XXXX and Selene Finance LP from XXXX XXXXXXXX XXXX made effective on XX/XX/2022, states that I am to pay {$110.00} each month until the year XXXX at a locked interest rate of 3 %.
I can only conclude based on Selene Finance persistent mismanagement of my account, incompetent customer service representatives and threatening letters, that Selene Finance LP and XXXX XXXX XXXX are designed in part to swindle people out of their properties through mismanagement and outright fraud. They must be held to account for the fraudulent and incompetent behavior that they are currently exhibiting toward me. I just discovered a website ( https : //thevictimsofselenefinance.org/ ) dedicated to highlighting the misdeeds of Selene Finance LP and how they acquire mortgages working to separate people from their property via schemes and tricks. I am hereby asking the Maryland Attorney General to criminally prosecute Selene Finance LP and XXXX if through investigation you find they have broken laws, such as, under Maryland Consumer Protection Act Article - Commercial Law Statute : 13301.
Unfair, abusive, or deceptive trade practices include any : ( 1 ) False, falsely disparaging, or misleading oral or written statement, visual description, or other representation of any kind which has the capacity, tendency, or effect of deceiving or misleading consumers ; ( 3 ) Failure to state a material fact if the failure deceives or tends to deceive ; ( 4 ) Disparagement of the goods, realty, services, or business of another by a false or misleading representation of a matter ( XXXX ) Knowingly false statement that a service, replacement, or repair is needed ; ( For example, Selene Finance LP XX/XX/XXXX letter to me demanding I pay {$320.00} each month knowing I am under the terms of paying {$110.00} each month and then threatening my credit rating if I do not comply with their illegal demands. ) Also under Title 12 my modification loan agreement transferred to Selene Finance LP does not permit changes to my interest rate which is set at 3 % Selene Finance is currently charging me at least 8.5 % which is illegal under the terms of my agreement.
I asked Selene customer service ( XXXX XXXX XXXX ) to furnish me the form to fill out so that my partner and co-owner of the property can speak on my behalf, and they have not furnished me the form.
I will be sending documents such as Selene Finance billing statements and my loan modification agreement which XXXX XXXXXXXX XXXX sold to them last XXXX.
|
| 04/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Along with illegally hacking into local law enforcement 's alert system here in XXXX XXXX, the public libraries computer system here in XXXX XXXX, all personal social media accounts and private financial accounts of mine, as well as a number of other institutions systems that they do not have access to and should not be hacking into which is 100 % a cyber crime that these hackers are doing by hacking into, the hackers that PHH Mortgage Services use to target and discriminate against homeowner 's who they commit fraud on and illegally foreclose on and who challenge them in court, have also hacked into the system of the homeless shelter I am staying at, XXXX XXXX XXXX, after PHH Mortgage Company/Services and XXXX XXXX illegally foreclosed on me a total of 4 times as well as illegally evicted me and stole my home on XX/XX/2023 at XXXX XXXX XXXX, in XXXX XXXX XXXX Tx XXXX XXXX
The reason for this I can only assume is so that I am not shown as actually being homeless and possibly hide what it is they did to me when PHH/XXXX XXXX used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to illegally evict me on XX/XX/XXXX and throw me and the other resident residing at XXXX XXXX XXXX at the time, XXXX XXXX who is in XXXX XXXX XXXX XXXX and on XXXX due to a XXXX XXXX XXXX with XXXX and therefore had protection from PHH/XXXX XXXX XXXX XXXX illegally evicting us like they did, out and onto the street like they did. Facts are facts and I am homeless because PHHXXXX illegally foreclosed, evicted, and stole my home. There is no denying it.
Currently I am on my 3rd pre intake with the homeless shelter I am staying at, XXXX XXXX XXXX, ( the final one before I am suspended from staying there ). You have to stay there for a 7 day period ( the pre-intake period ) each and every night and get your badge scanned in at the end of the night when you go in to sleep for the night to get credit for staying there. Its basically to keep individuals not homeless from taking advantage of the system and taking up a spot for others who are actually homeless and in need of the service the shelter provides if the individual is not really homeless and therefore leaves elsewhere when the day is through and doesn't really stay there over night.
The previous intakes I was there every night. I left my badge with staff as required to get scanned each and every night. I need this service. I have nowhere to go. No family to help me out. No one to help me have a roof over my head for the night. At the end of the last pre intake periods I had to hear how I was only scanned in a total of 2 nights only, making me look as if I'm not staying there and playing the system. I was there every night but was made to look as if I wasn't. I know what happened and why I didn't get scanned in like I should have because I know all to well this is the work of the hackers PHH uses, hacking into the system there at XXXX XXXX XXXX to show I wasn't scanned in for the nights I was there previously and is why I constantly am saying they need to face criminal charges for what they are doing to me that PHH has been using to target me as well as other homeowners in manners/examples similar to this. They would rather see me out on the street where I am alone, hungry, dirty, with no help at all then to allow me to use this desperately needed and much appreciated homeless shelter service that XXXX XXXX XXXX provides. Me not getting to court to face PHH is more important than me surviving apparently.
My 3rd and final pre intake is up this week on Wednesday ( XX/XX/2023 ) in which I report to the front office to hear if I will be allowed to stay or if once again these hackers have targeted me again and hacked into the system there to show I haven't been staying at XXXX XXXX XXXX when I have in fact stayed there each and every night of this 7 day pre intake periods just like the previous ones. I need this service. It puts a roof over my head at night and gives me 3 hot meals a day so that I am not on my own out on the street having to steal food just to eat and survive. I am reporting this now so that the CFTB and PHH are fully aware of what's being done to me at the hands of the hackers that PHH is using to target and discriminate against me so that you know full well if I am kicked out the program/shelter come Wednesday ( XX/XX/2023 ), its on your hands ( CFTB ) for once again not doing anything at all to stop or have criminal charges brought against these hackers and those at PHH who hired this discriminating service, for what they are doing to me.
I am homeless. PHH illegally foreclosed relentlessly on me a total of 4 times and even had me illegally evicted where they absolutely 100 % stole my home on XX/XX/XXXX and threw me and XXXX out on the street! We were supposed to have protection from this. You did nothing to protect us, CFTB! Your laws you enacted ( RESPA, Federal, etc. ) did absolutely nothing to stop this institution from doing this to us! The worst part is I am not a " liar loan '' and have never once ever committed mortgage fraud which somehow if I did, would justify in your eyes what is being done to me and my mortgage, even though it really wouldn't! Doesn't matter. Somehow I'm to believe though, that maybe this time these hackers will be stopped from hacking into where they have no authority to hack into and continue on destroying every part of my life, this time getting me thrown out of XXXX XXXX XXXXXXXX by hacking their system to show haven't stayed there the past week when I have absolutely no where else to go and will stay there each and every single night. Maybe I am foolish for placing faith in an institution that doesn't have clue how to stop this institution ( PHH ) from doing whatever it wants to keep homeowners from getting their day of justice in court against them for committing criminal as well as civil crimes against us.
Or, maybe you too, CFTB, don't believe what it is I say and that I am actually homeless and perhaps beleive I am just making the whole thing up? Is that it?
See attached!
|
| 03/09/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
Dear Consumer Finance Protection Bureau, My house is in default as of XX/XX/XXXX, without my knowledge. Also, it is in preforclosure as of XX/XX/XXXX without my knowledge as I have received no documentation. I received documentation at XXXX law group on XX/XX/XXXX during a private consultation which cost me {$370.00} for 1 hour. I was also informed that two servicer were supposed to when I asked over the phone for information for the account was supposed to be given to me, no questions asked, according to federal law. This is my complaint. This started on XX/XX/XXXX, when I asked for my deceased husbands loan mortgage information from XXXX XXXX XXXX and they refused me and I needed to send them an email with the XXXX paper with two documents : one XXXX paper and my husbands death certificate and email, which I did. I called them and they told me I emailed it to the wrong email address, so I re-emailed it again. This happened 6 times even though I sent it to the correct email address. I did up until XXXX of XXXX. I missed my payment in XXXX, but I made two deposits in XXXX for XXXX. One was taken out on XX/XX/XXXX, with my debit card, and another was supposed to be taken out on XX/XX/XXXX, which was never taken. In XXXX, I missed my payment again, but I dont remember why. I received a default letter on XX/XX/XXXX. I called them and I thought I made a payment for {$1400.00}. On XX/XX/XXXX I was in a collision, driving my son to college at XXXX. I was hit by a vehicle running a red left hand signal and my car was demolished and my son and I were seriously injured. We were both taken to the emergency room and my car was totaled. I managed to make my payment on XX/XX/XXXX, I paid in XXXX and XXXX. I was bed ridden and traumatized due to my injuries and I retained a lawyer and when I was able to drive again we went to our local library and faxed a 17-page document with the emails I sent, the deed they requested. I called XXXX that evening, and they told me that my account was transferred on XX/XX/XXXX. I had no knowledge of this. I asked them wear to make my next payment. I said I must make my payment in XXXX. XXXX told me they were not accepting anymore payments and they gave me Selenes phone number. I told them I had not received anything in the mail from XXXX or Selene. So I waited. I received correspondence from Selene stating that my account would be up online on XX/XX/XXXX, but it was not when I called. I called a few days later. I received a letter of transfer from XXXX sometime in XX/XX/XXXX. I spoke to a man who told me he was going to mail me my statements and modification papers, but I didnt want one I never received anything from them or anybody else about my account. XXXX never acknowledged my existence and totally ignored my correspondence. And XXXX took my 17-page fax that I sent to XXXX and changed my mortgage to there liking without my knowledge or consent. They also refused to give me my information or accept my payments. So now I am in a position where I am backed into a corner. They prayed upon me because they knew I was vulnerable and that they were stealing my house from under my feet. But I realize now what both companies have been doing to me all along and I want XXXX percent retribution for what they have done to me and my reputation and my credit. I have been living upstairs in my house because of the flood I had downstairs in my home and I have had a serious spout of XXXX on my XXXX. I could have had my house done downstairs and repaired from the damage, but it is full of mold which is a health hazard. I had to have my check for XXXX XXXX dollars changed 3 times because of the date, which can be depreciated because it is over a year and who is going to make up this loss now? Secondly, I have had a chance to get a grant from the city to fix the outside of my home repaired which is badly needed, which has been delayed due to the negligence of these two loan servicers. They hurt my credit severely and ruined my reputation in the neighborhood. This has delayed my recovery from my accident and put off all the things I needed to do, including my personal business. It has caused me pain, anxiety, and stress. It also ruined my concentration and getting on with my life and made me spend money I needed to spend and caused me all kinds of emotional pain and anxiety which does not help me at all. I am XXXX and have had XXXX XXXX XXXX along with also being a senior citizen and recently becoming a widow, which Is why I think they are discriminating and taking advantage of me. Also, I just called my loan servicer, Selene Finance LP and learned that my house will be sold on XX/XX/XXXX. This is happening without me being notified at by any correspondence whatsoever ( meaning they never sent me a letter in the mail concerning this ). Selene Finance LP never sent me any paperwork in the mail saying that they put the house in default ( I got the default paper on Monday from an attorney ) or a letter saying that my house was put into foreclosure. This was all after I asked for a forbearance/deferral letter. I had to also write a hardship letter to them because I had no choice because I did not want to lose my house, but I did not want to write it. Also, I am XXXX and have had XXXX XXXX XXXX, meaning I am unable to work. Also, my husband died on XX/XX/XXXX, and I recently became a widow. I am on limited income and get XXXX and two small pensions, so I am unable to afford to hire a lawyer or attorney on my own. I had a consultation with an attorney on Monday at XXXX XXXX XXXX, and they told me you could get me an attorney for me. I want Selene Finance LP to send you all of the 67 documents and 17-page fax I sent them via XXXX on XX/XX/XXXX. I believe that these two companies violated federal law. I need an attorney. Please help me.
Sincerely, XXXX XXXX XXXX
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am submitting this grievance/complaint to have Selene Finance investigated for shady business practices and subsequently have FALSE AND INACCURATE reporting on my credit report deleted. This company has numerous complaints on XXXX from consumers like myself who have been misled and/or misinformed. I would like a formal investigation opened against this company - I truly feel being in a position of power, they are purposely misleading and taking advantage of consumers like me.
My credit history itself will speak to the fact that I have been working hard to maintain an excellent credit score and payment history, and how important it is to me Recently, we were having some financial hardship due to the pandemic, so we decided to call Selene Finance on XX/XX/XXXX and inquire about forbearance and how the process works. From the onset of the call, I clearly expressed to the agent that my two priorities were to keep my home and not have any negative reporting on credit before I would move forward with the process. I expressed those concerns multiple times during that initial call and articulated that I would not be proceeding unless I knew for sure this would not be reported to the credit bureaus, and she assured me they will not be reporting to the credit bureaus for as long my account was being reviewed and a decision was made. I also inquired about the process and length- which she told me would take about 15 days for a decision ; I called multiple times thereafter to follow up on the status of the request- including XX/XX/XXXX ( XXXX ), XXXX ( XXXX ) , XX/XX/XXXX, XX/XX/XXXX ( XXXX ).
The first 3 times I called including my initial call, I was told I did not need to submit any paperwork and someone would contact me if anything was needed. By the 4th time the agent asked if I had a Uniform Borrower form, which I explained to him that all other agents I spoke with prior advised nothing else was needed. on XX/XX/XXXX I submitted the completed form with all supporting documents. the following Friday on XX/XX/XXXX I called to check on the status at which point I was told my " modification '' was denied on XX/XX/XXXX. The agent could not provide any details as to why- and said I should receive something in the mail explaining why. When I questioned why the account was being considered for modification and not the forbearance I requested, he told me my account was always being reviewed for a loan modification as they had to stop offering forbearances as of XXXX. Please note I had spoken with 3-4 other people prior to that to check on the status of the forbearance request and no one has informed me until then this was no longer being offered. I inquired why the " modification '' was denied, he informed me that information was not yet available on the account. When i then asked why I wasn't contacted, he informed me " we do not call, you should be receiving something in the mail ''. Once again, contradictory to other agents I previously spoke with that informed me someone would call me if they needed any additional info or with a decison. When I finally asked to speak with a manager and was left on hold.
If that wasn't enough with the way they handled my account and all the conflicting information, today, XX/XX/XXXX, I received notification that my account was in fact reported to the credit bureaus- when the agent assured me that would not be the case. I called and spoke with XXXX different people who I felt were giving me the runaround and refused to correct the mistake : XXXX dropped the call after I requested to speak with a supervisor. XXXX and XXXX XXXX who have both told me sorry I was given incorrect information, basically told me I can open a dispute with them but no guarantee what the outcome will be and it will take 30 days to review. Also, please note XXXX and XXXX both whom I spoke with today on XX/XX/XXXX told me my account was still being reviewed until XX/XX/XXXX for a FORBEARANCE- which is contradictory to what the agent told me on XX/XX/XXXX. As I am sitting here filing this complaint, I received a letter, stating my application is complete and a decision will be made by XX/XX/XXXX.
They can not keep their stories straight and give out misleading and conflicting information- I feel like being in a position of power, this is purposely being done to defraud their customers- their business practices are very shady and inconsistent. THIS IS A FORMAL REQUEST to file a grievance against Selene Finance and have this company fully investigated so that no other consumers have to be subjected to their unfair and shady practices.
PLEASE HELP! This should have never been reported and needs to be deleted. Their calls are supposed to be recorded ; XXXX confirmed they have a recording of the XX/XX/XXXX recording. All their calls are supposed to be monitored and recorded, so it should be an issue for them to provide the recording from XX/XX/XXXX when the agent told me my credit would not have been impacted. If the recordings are suddenly missing, that should be further proof of their questionable and scathy practices.
Please take the time to review this company and possible other disputes from other customers like myself who were misled.
P.S. I have also submitted a complaint with XXXX and the XXXX- as I feel this is of great significance and they should be investigated
|
| 02/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have made several attempts to receive assistance with account # XXXX, but to no avail. In XXXX we received notice from XXXX XXXX XXXXXXXX, our former mortgage servicer, that the account was being transferred to Selene Finance on XX/XX/XXXX, and that future payments should be remitted to Selene Finance. After receiving notification from Selene Finance with an account number, I contacted Selene Finance to obtain payment and remittance information. I was told I would have to wait because XXXX had not yet uploaded information into their system. I was eventually able to set up online access, and noticed that the account information was completely wrong. The account status reflected on XXXX XXXX website is totally incorrect and we have been unable to receive any assistance to have it corrected. After receiving the transfer notice from XXXX XXXX XXXXXXXX and waiting several days to receive information from Selene Finance regarding how to submit payments, we initiated contact to Selene Finance. Since XX/XX/XXXX, I have made 21 phone calls to Selene Finance. I have been able to speak with someone 4 of those times. Two of those times I was told there was nothing anyone could do because the loan information was not yet in XXXX XXXX system. One of those times, I was told we needed to do extensive paperwork to start a modification process. I was told by another representative to ignore the paperwork because Selene Finance is just waiting on documents from XXXX XXXX XXXX so the modification in place with XXXX XXXX XXXX could be honored by Selene Finance. Today I received a letter from XXXX XXXX, at Selene Finance, along with loan modification paperwork stating I requested a loan modification from Selene Finance to prevent my defaulted loan from going into foreclosure. I have never requested a modification through Selene Finance, and the loan is not at risk of going into foreclosure. We already had a modification in place with XXXXXXXX XXXX XXXXXXXX, which Selene Finance is obligated to honor. I have tried numerous times to get Selene Finance to correct the account status and account information. At this point, Selene Finance is in direct violation of the CARES Act. The CARES Act prohibits a loan from being reported as delinquent and from going into default status for COVID deferred payments and during a modification.
# XXXX. From XX/XX/XXXX to XX/XX/XXXX the account was in forbearance related to COVID.
# XXXX. Upon our termination of the forbearance, we were offered options to pay the amount deferred during forbearance. We were provided with a trial loan modification ( the document was mailed and emailed to Selene Finance ), which provided an amount of {$1900.00} to be paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We made those three payments as instructed. We were then told we would receive the final loan modification document with the exact amount for ongoing payments, which would likely be the same amount as the three trial payments. Shortly thereafter, we were informed the loan had transferred to Selene Finance, which brings us to the current situation.
# XXXX. Selene Finance is wrongfully reporting the account status and refusing to correct it. Selene Finance is attempting to force us to complete loan modification paperwork, which includes hardship paperwork. This is a violation of the CARES Act because there is no existing hardship, we already have a modification in place, and the CARES Act prohibits requiring proof of a hardship anyway. We have inquired about making payments multiple times, but are unable to because Selene Finance has the account status wrong.
At this point, I have no faith that Selene finance is even making any effort to correct the account status to reflect accurate information. I was told that Selene Finance is waiting on documents from XXXX XXXX XXXX but XXXX XXXX XXXXXXXX says they have already sent all documentation to Selene Finance. We have sent a letter, which is attached here, to Selene Finance via USPS mail to two different locations, and also emailed the letter to Selene Finance. The letter included detailed account information and documentation verifying the COVID deferments, as well as the modification information. It has been over a month since the account was transferred to Selene Finance and there has been no effort by Selene Finance to correct the account. It has simply been a barrage of documents and letters from XXXX with incorrect account information. Selene Finance has chosen to ignore the information provided to them and continues to maintain an erroneous account status. Selene Finance has been notified numerous times and via multiple ways that the account information and account status need to be corrected. Selene Finance increased the principal account balance from what the previous servicers statement reflected by almost {$7000.00} ( seven thousand dollars ) and even added over {$28000.00} ( twenty-eight thousand dollars ) in interest to the account, covering a one-month period. Selene Finance increased the account balance by almost {$46000.00} ( forty-six thousand dollars ) over the previous servicer 's statement. Not only is Selene Finance willfully violating the CARES Act, by all indications, Selene Finance is engaged in deceptive mortgage tactics intended to cause harm.
|
| 03/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I submitted a hardship application to Selene Finance, LP ( " Selene '' ) on XX/XX/2022. By that date, I had been approved in writing as a successor-in-interest on the primary mortgage on my home that was being serviced by Selene, which such home and mortgage were the subject of the above hardship application. After submission of this hardship application, Selene sent a letter to borrower and me providing that XXXX XXXX was designated by Selene as the single point of contact for our loan that they were servicing.
Selene did not complete its review of our hardship application within 30 days and did not notify me in writing of its decision within 30 days, despite confirming to me on three ( 3 ) different occasions that Selene had received all documents it requested with respect to this hardship application. The first such confirmation was on XX/XX/2022 in a phone conversation I had with XXXX from Selene 's Customer Service department ; the second confirmation was on XX/XX/2022 in a phone conversation I had with XXXX XXXX of Selene 's Loss Resolution/Mitigation department wherein XXXX XXXX confirmed all requested documents were submitted to Selene and therefore he was requesting Selene underwriting to move my application " to the next step '' ; and the third confirmation was on XX/XX/2022 in another phone conversation I had with XXXX XXXX XXXX wherein XXXX XXXX informed me that there was no response yet from underwriting, so he resubmitted his request to move my application forward.
Accordingly, on XX/XX/2022, I called Selene Customer Service and was told XXXX XXXX was busy and unavailable to speak with me, so I left a detailed message for XXXX XXXX to call me back at XXXX. Having not heard from XXXX XXXX, I placed two more phone calls to Selene Customer Service on XX/XX/2022, and was told XXXX XXXX was busy and unavailable to speak with me, so I left a detailed message for XXXX XXXX to call me back at my mobile number ( which I confirmed to the Selene employee taking the message ). Having still not heard from XXXX XXXX, I placed another phone call to Selene Customer Service on XX/XX/2022, and was told XXXX XXXX was busy and unavailable to speak with me, so I left yet another detailed message for XXXX XXXX to call me back at my mobile phone number. Having STILL not heard from XXXX XXXX, I placed two more phone calls to Selene Customer Service on XX/XX/2022, and was told XXXX XXXX was busy and unavailable to speak with me, so I left a detailed message for XXXX XXXX to call me back at my mobile phone number.
Then later in the month of XX/XX/2022, XXXX XXXX sent a two-page letter to me and the borrower, that failed to acknowledge and ignored each of the six ( 6 ) phone calls and six ( 6 ) messages I left for him. However, XXXX XXXX proceeded to wrongfully deny our hardship application submitted to Selene on XX/XX/XXXX. XXXX on the ground that " Borrower failed to return completed Financial Workout Package and Supporting Documentation. '' This is complete hypocrisy given the two phone calls XXXX XXXX conducted with me on XX/XX/2022 and XX/XX/2022, wherein he confirmed to me that Selene did in fact have all documents necessary to support our hardship application and that XXXX XXXX was recommending to move our application forward to the next step.
Moreover, each of my conversations with Selene employees described above were recorded by Selene. I placed Selene on notice in writing to preserve for any and all future litigation each of the above recorded conversations.
XXXX XXXX never stated that any additional documents were necessary to complete the application, which Selene would have been required to request before denying the application on the ground of failure to submit completed application. See 12 CFR Section 1024.41 - Loss Mitigation Procedures. Selene and XXXX XXXX failed to exercise reasonable diligence to obtain documents and information from me/borrower that Selene required to evaluate me as to all loss mitigation options available to me. Selene failed to identify any stale or invalid document that needed to be updated pursuant to 12 CFR Section 1024.41 ( b ) ( 2 ). Selene failed to promptly request additional information or corrected document ( s ) after each conversation with me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pursuant to its reasonable diligence obligation.
Furthermore, Selene failed to contact borrower before the end of the Covid-19 forbearance period to work with borrower on all available options to avoid foreclosure. Selene failed to offer either borrower or me a trial plan to make payments on the Loan, which if successfully made would institute a loan modification to bring the Loan current ( and out of foreclosure ). Selene failed to work with either borrower or me regarding all options available to help me avoid losing my home through foreclosure.
On XX/XX/2022, I sent by Priority Mail to Selene, Qualified Written Requests identifying the above errors and applications. Selene failed to acknowledge receipt of these Qualified Written Requests and failed to act on them. I tracked this Priority Mail package and confirmed it was received by Selene. Selene has continued to fail to correct any of the above-described notices of error and simply ignores all of my communications to it.
|
| 02/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
This is in connection with a Complaint previously filed.
Complaint # XXXX.
The company Selene Finance has not responded to the above complaint but has sent me a letter.
Letter received XXXX Letter dated XXXX. Loan # XXXX.
The only way to communicate with them is by email. I am adding to my prior complaint because it takes weeks for a response from Selene I sent the email below today on XXXX. My phone calls will not go thru their system.
Please have a manager review my information below and the prior complaint # XXXX and respond thru this venue only!!.
I can send any documentation that Consumer Finance needs. I did attach the letter from XXXX XXXX XXXX verifying my Covid 19 Forbearance was thru XXXX. Selene previously acknowledged this information by mail.
Email to Selene is below : Below underlined is a copy of the complaint filed XXXX to the Consumer Financial Protection Bureau. Complaint # XXXX.
Selene Finance now bought my mortgage. It was transferred XXXX. They started sending me overdue payment letters immediately. I called and told them I was on a Covid 19 Forbearance program until XXXX. On XXXX I spoke to XXXX and was told they did not have that information. I had to contact the old mortgage co and have a letter sent to verify. I did that and sent it to their email address on XXXX and XXXX. They verified receipt of the letter on XXXX. A letter dated XXXX which I received 2 weeks later stated they updated the forbearance thru XXXX. Today on XXXX I called to move forward and verify they updated my account and this is what happened. This is what I learned today. They sent a foreclosure letter dated XXXX that I must pay all payments from XXXX thru today by XXXX total {$32000.00}. I thought that must be wrong and would not have any bearing since they finally updated the forbearance thru XXXX. Total time on the phone with Selene Finance was from XXXX thru XXXX. 1. XXXX she understood that they did not have forbearance information for the prior months and was going to have her supervisor help to fix the situation. She went back and forth on the phone with me for over 1.5 hours while they were working on it. Then my call was put back into the Que to wait for another operator. 2.XXXX I told her the above and I would like to talk to a supervisor then she disconnected me. 3.Called customer service again and on hold for 20 min and disconnected from the customer service line. 4.XXXX Told her everything and she was going to look into it and then again disconnected. XXXX figured out the covid 19 forbearance info was not updated correctly. I have been on it for several months. There are no months in default for payment. I was on the forbearance the entire time payments were not made for the mortgage. This needs to be corrected. All information they requested was given and you would think the information was provided by the original mortgage too. ( XXXX XXXX XXXX ) Selene Finance has been billing me for months which is against the Covid 19 forbearance and now have me listed for a foreclosure if all money is not paid by XXXX. This is all illegal. I have not received 1 accurate letter from Selene Finance. They also sent a letter stating I applied for a Loss Modification. That is fraudulent. I did not fill out any paperwork they needed to first fix that I was approved for the Forbearance thru XXXX. Please help with this situation. I am unable to get any help from the customer service line. I was on a Covid 19 forbearance. All forbearance information needs to be updated onto their records. This illegal default must cease and is against all Covid 19 Forbearance rules. Thank you -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ****On XXXX I received a XXXX XXXX letter dated XXXX. Again you are sending me inaccurate information.
Loan due date XXXX. Completely wrong. I have been on the Federal Covid 19 Forbearance Program I believe you are committing banking fraud!!! You are now stating I have to pay a much higher monthly payment by XXXX. Changing my current rate of 3.875 % to 4.5 %. This is a monthly increase of {$620.00}. I do not authorize. My current mortgage is just fine. Leave it alone. I did all requirements during the Covid 19 Forbearance.
You are also charging me late fees which again is illegal during Covid 19 Forbearance.
The Forbearance Plan was a pause for everyone. Then to start making monthy payments again. All unpaid mortgage payments are to be added to the end of my current mortgage.
You are in violation of Federal Law!!
A formal response to my above complaint must be filed to the Consumer Financial Protection Bureau. The Manager reviewing my loan infomation needs to contact me. There is no help from the customer call center.
All information I have fraudulently received from Selene Finance will be forwarded to all law enforcement jurisdictions and government agencies. I will be requesting a full audit by to Office of the Inspector General.
I formally request copies of my entire loan packet. All documents and correspondence.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan # XXXX XXXX XXXX
|
| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The process of trying to obtain a modification with Selene Finance has been nothing short of a nightmare. The loan was transferred to Selene from XXXX, who I had a trial modification with and I successfully completed it with, when it came time to sign the final modification documents they had me sign, notarize and resend 5 times because they were sending additional set out over and over before others could be finalized. The mortgage transferred to Selene and I received information to request another modification and it was assigned to a single point of contact. After getting the paperwork I submitted the information required on XX/XX/22 and called to try to speak to the single point of contact everyday for two weeks, I left voicemail after voicemail for her and I never got a return call.
On XX/XX/22 I called because I received a letter requesting more information and was told to send in a Separation Agreement, Hardship Letter, and Quit Claim deed, which I sent it to the loan resolution email as instructed.
I called back in on XX/XX/22 and told the rep I was trying to reach my single point of contact and he told me the single point of contact is worthless and anyone can talk to me. I asked him to check and make sure everything that was needed was on file now and he said to call back on XX/XX/22, I told him I only had until XX/XX/22 per the letter and he said everything was fine and to call back on XX/XX/22.
I called back on XX/XX/22 and spoke to another rep and let her know what I was told and she said that I would need to resubmit the request for modification page as well as additional paystubs but to get it in that day because the due date was XX/XX/22 ( which I had already tried to make sure everything that was needed was in on XX/XX/22 and when I told her that she said it was with underwriting and that they would get the documents and review for the modification. I sent everything she requested into the email on XX/XX/22.
I called back in again on XX/XX/22 and was told it can take 48 hours for documents to be loaded but the account is under review. I was told to keep calling in and checking because there may be a change from day to day.
I called in again on XX/XX/22 to allow the time for the document upload and spoke with the rep and she said there was a note made on the system that it could take up to 48 hours for the docs to be uploaded and she then reviewed and confirmed that the XXXX, paystubs, letter of explanation, quit claim deed, and separation agreement were all loaded to the system and that there was a letter sent to my home stating that the file was assigned to an underwriter. She said the underwriter would send a letter or try to reach me if anything was needed ( as of XX/XX/22, I still have not received any call or letter from an underwriter ) I asked about the foreclosure status and she said it was not showing in the system but a hold would be placed and requested during the review process.
I called again on XX/XX/22 to request for an updated status and they told me the account was with an underwriter for review and told me to call back and check again later in the week, I called 5 times on XX/XX/22 and would get disconnected each time the phone would connect. I called again on XX/XX/22 and tried 4 times from my cell phone and 4 times from my work phone.
I called again on XX/XX/22 and was then told that my modification review was terminated on XX/XX/22. I asked why it was denied and she said lack of documentation needed, which they confirmed everything needed was in and when I asked about that she said I don't know, that is just what it says. I then asked why I was not notified of this on XX/XX/22 when I called in and she could not answer that either.
Then I was told I could submit another package so on XX/XX/22 I spent XXXX hours regathering XXXX pages of documents and sending them in to Selene finance along with a dispute letter for the modification. I never received a response on the dispute.
I called in on XX/XX/22 and asked if they received the documents and they told me to call back in after XXXX hours. I called back in again on XXXX and was told I could not be reviewed for a modification because the foreclosure sale was withing 37 days. Does it not seem like it was the perfect set up to drag out the review process and lie about the status to where I am put in an impossible situation and can not save my home?!
The sale was then postponed thanks to my attorney reaching out to the court, but that was short lived because the new sale date was within 37 days and it is now scheduled for XX/XX/22. I tried to send in an updated modification package after calling in again and they told me to resubmit but again I got a letter saying it is within 37 days of the sale.
I feel as though I have been set up to have my home set on the auction block from the start with this company. I have been begging them to help me find a way to bring the loan current so that I can pay the mortgage and there has been nothing but lies and deceit. I am now filing a complaint because they refuse to even attempt to work with me or communicate with me and refuse to let me talk with a supervisor.
|
| 04/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am reporting Selene Finance for predatory lending with excessively high interest rates and fees without regard to the borrows ability to repay the loan. The abusive and illegal interest only XXXX negative amortization loan, a type of ALT-A loan with balloon payment due in XXXX for {$520000.00} was originated XXXX XXXX by XXXX XXXX XXXX , stripping me of equity for 15 years. These types of loans were banned and illegal XXXX I want this loan rescission due to Frustration and fraudulent inducement of the loans in XXXX, continues wrong was done to me all these years ( stripping of the equity ) now in XXXX loan balance is higher 15 years later and I still have 15 years to go till XXXX, they want XXXX XXXX for {$500.00} ( k ) investment.
We have to go back 15 years to see when and how the abuse loans were issued only to me, and I had no ability to repay the loans or understand true meaning of the loan 's terms and conditions. My husband then XXXX XXXX and I was pregnant with my first child applied together for the loans, my credit was XXXX and I was working in the mall as sales person making less than XXXX ( k ) and my husband is an attorney, making all the income, we supposed to have it jointly, XXXX XXXX interspousal transfer from XXXX to meXXXX signed docs at home, XX/XX/XXXX instruction to pay commission with only my signature, XX/XX/XXXX deed was recorded for the 1 st loan, but on same day XX/XX/XXXX I have 2 loans! ( the 1 st loan has the same escrow as a 2nd Heloc loan, " piggyback " loan for {$130000.00} serviced by XXXX XXXX now, XXXX XXXX transferred the 1st loan to Selene Finance because it's part of the predators new scheme Predatory lenders evolve with years, they pretend they did not received modification paperwork / by false pretenses and lying that is not there, paperwork gets outdated and cycle starts again and after a while they transfer and other lender where the lender said paperwork got misplaced from the transfer they ask for resubmission and this continues the same pattern, IT HAS BEEN SINCE XXXX to XXXX I CANT SUBMIT PAPERWORK FOR 7 YEARS ) is set up almost ensuring that I, the borrower, will default so lender can foreclose on the proper. XXXXXXXX XXXX XXXXXXXX transferred my loans to XXXX XXXX in XXXX, they failed process the fully received loan modification paperwork just like Selene Finance did. The predatory lenders are maximizing profits by prolonging the time, then they do non judicial foreclosure blaming the borrower for default but in reality, they are avoiding the dual tracking law.
I had 3 events that reduced my income alimony ended XXXX, covid 19 couldn't work due to national disaster and XX/XX/XXXX kids ' child support got smaller, I sued the XXXX XXXX and XXXX bank from XXXX, we lost on negligence issue case XXXX ; XXXX even with 2 attorneys mine and their ONE YEAR I WASNOT ABLE TO SUBMIT MY PAPERWORK FOR SUBMISSION.
Lenders used the attorney XXXX XXXX who is not licensed in CA, ( he is licensed in Pennsylvania, Ohio etc. He was " main " attorney for 1 year till court date of course Only lenders get to break the law and get away that long!
I submitted complaint to CFPB XXXX XXXX # XXXX, nothing was done, XXXX bank said I didn't need modification because I was current, but they didn't check my ability to pay and their abusive terms just like Selene Finance . I have proof with dates and people and certified mail, I have been typing 3 hours now, its really hard to transcribe the abuse from them, I send the QWR and their response was mail to another address, Their security is so good I can not get into the encrypted messages I have been receiving due to their mistake putting dot in the end of the com.
When XXXX XXXX transferred the loan Selene Finance did not receive the full package of my mod paperwork send by certhiid mail XXXX XXXX and XX/XX/XXXX, I resend certified mail the entire package to Selene tracking XXXX signature received by XXXX XXXX XXXX XXXX XXXX XXXX. It is never one person of the single point of contact, I had hundreds over the years. My credit got worse because they report me late and I cant refinance anywhere else. After forbearance I keep sending XXXX pages each time ( in the end of the year full copy because they always say something expired if I send per what they ask, or ask about the form they didn't ask from a beginning, how can you provide what I don't know it was never asked? And paperwork suppose to be less and able to help people per government instructions after forbearance was over in XXXX.My entire contract depends on the terms of the original loan which is cruel. also insurance build in there, I cant get my own, for years I was paying DOUBLE on this loan due to lenders representatives misrepresentation..
From XXXX XXXX XXXX XXXX I have been working with Free Modification Services that have 5.5-star rating with XXXX XXXX and it's been 4 months that Selene Finance keep saying they are missing and incomplete paperwork. At this point I want this nightmare to stop it has been fruitless 7 years with attorneys and other people helping me, the issue that Lenders are greedy and predators. There is Care Act but who cares and enforce it?
|
| 11/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
First of all Ive been diagnosed with XXXX XXXX etc now Ill begin My original mortgage company was XXXXXXXX XXXX.. I had a modification through them as my mortgage was to be transferred to another mortgage company ( which transferred mortgages Im familiar with 21 years in my home ) however Selene mortgage was to be the new mortgage company.. So a rep from XXXX XXXX months before XXXX I believe it was? But before the transfer he recommended I get my modification updated thru Selene mortgage within the 60 days coming so nothing will affect my financial hardship he was well aware of.. I thought that is a good idea and so I did just that My first payment was in XX/XX/XXXX for XXXX modifiedobviously that was what had been payment throu XXXX? Then I began waiting for Selene to respond w a deny or approval each month? another month n then a XXXX in my family rather another one .. then I assisted my cousin w our uncle who was the father of the XXXX and XXXX stage XXXX moved into XXXX?? Thats 4 months yes I was receiving payments behind but no modification? I called they said still being looked at.? By the time looked at they needed new stubs n creditioals I was receiving late notices no real answers from them wen Id call? But then they would call me and say we need this we need more of that? After they have had all for 30 days so send more no reply need more all these conversations are as they say ( recorded ) so even by the spring now my credit is looking worse than ever I am so confused of course Im so far behind and with it returning to my original payment well more than I could even borrow? In all this time w my desperate crying feeling in despair .. theyd say nothing encouraging or the bigger picture was no OTHER options not ever not once!!!
This is when I still had more of??? To send in I was devastated how can they wait 30 days or more to tell me this when I called it would be yep all we need is this blank blank blank Id send it then again n again?? Ok by now Ive been getting the warning of default forclosure n then after so many of these I received one with sheriffs sale???? Remember the conversations recorded if need be? Im in disparity in XX/XX/XXXX after sending all n more than enough info to them they denied me!! Hmm??
13 months after I applied now Im losing my mind credit n well my world however they reason for denial was what had me confused?????? They had stated I had insufficient income????? Wow of course I did .. thats why I was attempting to basically keep my payments half instead of full modify .. so resubmit a new app 5 times the whole app has been put in?
Its XXXX XXXX months late when all I wanted was to be a able to make my payment and the hardship hasnt changed its only worse now because in hindsight in the beginning if they couldnt help or approve? Maybe I could salvage $ n figure things out n except the payment that now is XXXX. More than the original payment ..Im feeling beat down never offered me partial payment deferring even empathy for me or well anything .. hardship started long before XXXX thats why XXXX was concerned for my original transfer?? My brother committed XXXX I found him early XXXX the virus i again in 3 months found another brother XXXX on my couch cpr n etc nothing death 4 months later my fianc flipped my paid off XXXX n XXXX lost hours and a client to the virus!?? Ive only been working on therapys rehab after a reared hit n run and no support system all is dead my mom called me years ago before she XXXX herself n I couldnt stop her??? Im a mess Ive shared this in the letters Ive sent and they still ask me the same things over n over n over again again Im getting triggered each time I have to repeat this??! Im completely complaining because I hold the mortgage co completely responsible for my fate .. that is again resulting in me losing one last thing my home and salvage of 21 years. Still nothing a answer it should never ever take this long not I cant save my home at all if they dont except my application.. can u pls have them acknowledge how unprofessional n the ethics they do not consume .. s as ll I have left is a home I lost all of them guys in 7 months time plus please forgive me for so much info.. Ive asked them why, what, and when.?? I just need them to please fix this XXXX behind and why why would this take my soul as well as my well being? Im so falling beneath, between the cracks .. all I did was apply regardless these things dont take years to decide if I wouldve knew if no modification is possible earlier I couldve saved stuff by borrowing or knowing other options I was not once give anything .. jus calls to tell me Im blah blah 9,8,13, months behind?? Like I dont know that?? All recorded Id remind them how glad I was to know it was all recorded so it will be proven all the ppl that called me werent to help but just to follow up on a customer losing it all including herself!! Please help me!! I actually dont know how I deal with all of this on my own?? However me reaching out to you is saying I cant do it alone so yes I appreciate what you do? This started XXXX XXXX XXXX n so on
|
| 06/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The original Loan # XXXX was approved by XXXX XXXX in XX/XX/XXXX. The forbearance period was granted in XX/XX/XXXX during the pandemic situation. XXXX sold its portfolio to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX during this period ( see exhibits 1,2 and 3 attached ).
On XXXX XXXX a Loan Modification request was submitted for the 1st time to SELENE Finance ( loan servicing ). The case was closed on XX/XX/XXXX, despite that all documents were provided. ( see exhibits 4 and 5 attached ).
The 2nd submission ( Loan Modification ) was filled ( full set of documents ) on XXXX XXXX. Documentation was sent via email & via certified mail ( XXXX ) to avoid possible alluded rejection on incomplete documentation. The case was closed on XX/XX/XXXX ( see Exhibit XXXX ).
Calls were made ( SELENE ) on XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ( recorded line ) requesting information about the status of the process and confirmation of the receipt of all necessary documentation. SELENE was not responsive to addressing my request to place me on a Loan Modification Trial to start making payments under my new reduced income. On XX/XX/XXXX, the second submission was closed with no information about it.
The 3rd submission took place on XX/XX/XXXX. Communications were established via phone with Selenes representative XXXX XXXX XXXX ( Loan Resolution Department - SELENE ) to request an explanation. Why was the last case closed if all documentation required is properly presented in a timely manner? ( see Exhibit XXXX ).
Communications on XX/XX/XXXX XXXX XXXX, and XX/XX/XXXX to SELENE FINANCE to reiterate my need to obtain a permanent modification for my property and my desire to start making payments to the loan according to my reduce income. ( see Exhibit XXXX ) On XXXX XXXX, I got a letter in the mail ( XXXX XXXX from SELENE dated XX/XX/XXXX. It was a XXXX XXXX offer but it did not disclose the financial conditions. It had a deadline for acceptance - XX/XX/XXXX. XXXX days after receiving the letter. Several phone calls were made to SELENE XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) complaining about the lack of information on the letter. Finally, a new letter from SELENE dated XX/XX/XXXX was delivered on XX/XX/XXXX with the financial information of the conditions of the Loan Modification. ( see Exhibits 9 and 10 ) Finally, on XX/XX/XXXX I did request immediate assistance ( recorder line ) because the Loan Modification offered increased by 2 % the interest rate of the existing loan ( 4.5 % ) & kept the same 30-year period, meaning the new monthly payment was much higher than the original. I tried to establish communication ( via email ) on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and XXXX XXXX. ( see Exhibit 11 ).
Finally, on XX/XX/XXXX, I could reach XXXX XXXX XXXX on the phone. I did express the unacceptable conditions of the offer. They do not relieve my financial constraints ; they make it worse. I was told, the only option to keep the interest rate at the same level was to make a Lump Sum payment for the accrued balance ( forbearance period ). I did request a revision of the conditions offered. Request assistance invoking the true spirit of Loan Modification ( help clients to keep their homes ). I was told the final decision comes from the investor, not from SELENE. No Repayment Plan or Payment deferral option was offered at any time. The case was closed.
On XX/XX/XXXX ( 4th intent ) full documentation for a Loan Modification was presented to SELENE. A letter was attached ( as suggested by XXXX XXXX ), explaining that the offer presented will increase my financial hardship. I was desperate to obtain a Loan Modification according to my reduced income, repayment plan, or payment deferral for the outstanding balance ( see Exhibit 12 ).
On XX/XX/XXXX, and XXXX XXXX, emails were sent to SELENE including the last 2 documents requested ( documentation submitted on XXXX occasions XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) : ( a ) Dodd-Frank Certification, ( b ) last Pay Stubs of XXXX and XX/XX/XXXX. ( see Exhibits XXXX ).
On XX/XX/XXXX, another email was sent to SELENE requesting a response to my petition.
On XX/XX/XXXX, a letter was received in the mail ( dated XXXX ) from XXXX XXXX XXXX stating that my case was closed. There are no words to express my frustration and the sensation of the abusive position taken over me with SELENES actions. ( see Exhibit 14 ) Hoping this claim, your communication with SELENE and/or the XXXX XXXX XXXX XXXX XXXX will help to obtain a Loan Modification, Pre-payment Plan, or Payment deferral so I can start making payments adjusted to my new income. I am in an urgent need to keep my home.
Attached is the Borrower Assistant Form-2 ( see Exhibit 15 ) Full documentation and evidence of communications upon request from the readers. In the meantime, 41 pages of partial documentation are uploaded to this claim. Limited information was uploaded due to the limitation of 10 MB.
|
| 02/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to financial hardships ( terminal illness and death of immediate family members, unemployment and underemployment ), I went through many years of being behind in my mortgage payments and facing foreclosure which resulted in my mortgage company Selene Finance putting a lender-place policy on my home.
My house sustained damage. An adjuster came out but he didn't include all the areas of my home in his report that were damaged and underpaid me for the roof and interior damage.
All the legitimate roofing companies and contractors I spoke to said the insurance company treated my roof like it was a regular house with a regular roof in which a roofer could just drive up to the house and begin work. I was told they didn't take in account that I have a slate roof and that my house is a huge 3 1/2 story historical home in which it would not be out of the question for a roofing company to have to use a crane to access the roof. It was recommended that I request a Public Adjustment or an Appraisal.
In XXXX, XXXX I reached out to my Selene Finance file owner who said because my name is not on the policy he would have to communicate my request and concerns to the appropriate people within Selene Finance. Sadly, my file owner never followed through and left me hanging out on a limb. For over a year a called him a left messages, begging for his help. He never answered his phone and failed me in every way. Every attempt I made to speak to Selene Finance customer service was met with customer service transferring me to my file owner who never answered his phone.
I have had the house tarped twice but the tarps blow off. In XXXX, XXXX, I also found out a XXXX sister had terminal XXXX. I tried to be there for her as much as I could but due to COVID-19 numbers being so high, I could not be in the hospital room and she die alone in XXXX, XXXX. Two months later I lost a XXXX XXXX niece to XXXX XXXX.
My house is going to literally fall in if I don't get fair and appropriate assistance that will result in me getting sufficient money to make my repairs. I pay a great deal of money for lender placed policy but I can't advocate for myself and take the steps to get an appraisal because Selene Finance is named as the insured on the policy that I pay a high monthly premium on.
I'm a homeowner that has been confused and intimidated by this entire process. I've tried to learn the language I need to use to get my point across and attention that my situation deserves. XXXX XXXX is the insurance company and they are open to allowing me to have a Public Adjustment or an Appraisal done but they say I have to get Selene Finance 's approval. Please see attached email and letter from XXXX XXXX with XXXX XXXX XXXX.
Selene Finance has completely stonewalled me. Selene Finance has stood by and left me stressed out and struggling in a badly damaged home that should be covered by my insurance. Selene Finance has blocked me from contesting the insurance payment I was given so I can get the sufficient funds to repair my home.
I have attempted to have a Public Adjuster represent me but he said there is nothing he can do if Selene Finance won't allow him to represent them for my house damage. Please see attached email from XXXX XXXX, Public Adjuster.
This situation has left me to be the prey of a dishonest so-called roofer that only stepped in to put in a bid so that he could take off with the insufficient money XXXX XXXX XXXX XXXX has paid me. I believe he figured he couldn't do the job for the money and saw a chance to scam me. My house is historical and it was necessary for the roofer to obtain a permit to work on my house. My house is historical and it was also necessary for the roofer to communicate with the XXXX XXXX to submit information about materials and plans for the roofer and get their approval. The approval process with XXXX could take months. It was months ( XXXX, XXXX ) before XXXX XXXX gave me the supplemental check ( which is still insufficient ). In the 4 -5 months the roofer was waiting for me to get the supplemental check, he never requested or obtained a permit to work on my roof. The roofer also never submitted roof materials and plans to the XXXX XXXX for approval, but as soon as I got the check, the roofer harassed and hounded me to give him 55 % of the money up front and he wanted me to write the check in his name, not his company name because he said he didn't have a bank account ( he claims to be in business for 23 years ). The roofer has no legitimate reviews online. They are clearly fake and one of the reviews is made by him using his 1st name and the 1st initial of his last name. The 1st initial in his last name is not common. In the review he made about his " company '' he talks about what a good job " the company '' did. I need legitimate, insured roofers and contractors to do the work and they all say the money is insufficient.
|
| 12/09/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
On XX/XX/XXXX I submitted a complete loss mitigation loan modification application. Please see attached. It was a complete file. The file was received by the lender/servicer on XX/XX/XXXX and we received a confirmation email from loan resolution and customer service. Please see attached. We confirmed it with Selene finance verbally as well. They stated the file was receivedand noted on XXXX XXXX XXXX we called Selene finance for another update. I spoke to XXXX based in Texas customer service. She advised us that she works from home. No clue why she said that as we did not ask. We asked about the loss mitigation package that I had submitted and she said there has been nothing notated on the file whatsoever, that the file has been sitting there since XX/XX/XXXX. We asked her to get us to loss mit department and she said she cant. We asked her for a supervisor and she placed us on hold forquite some time. She came back and stated she will escalate this file for me. I asked the supervisor what was happening with the supervisor. She said she will get somebody to call me back, but she will escalate this issue to get the file moving.That she is sending an escalated emailShe did advise us of a sale date set for XXXX XXXX which I was aware of.I never received a call back from a supervisor, we had no missed calls, so on XXXX XXXX we called back and spoke to XXXX XXXX in Texas. We asked for an update on the modification review, the escalation regardingmy file and she confirmed once again nothing has been done at all. She said that she saw where therep XXXX from last week sent an email but it was not an escalated email. She said that she sees notes whereXXXX wrote that we requested a supervisor call but also noted that ourcall was not deemed worthy of a supervisorso XXXX NEVER placed the request. XXXX XXXX stated ALL OF THIS to us. We were extremelyupset. XXXX reviewed the file more and then stated that on XXXX my file was notated that it was closed out due to a foreclosure sale date being set for XXXX XXXX XXXX We did the numbers over the phone from the day I submitted it to the day they received it and there was42 days to review the file!!!!!!!!!!!!!!!!!!!! She agreed withus, she confirmed with us that we are accurate, there was enough time to review the file. PULL THE CALLS from both reps!!! XXXX said she has no idea why it was closed out since they had more than enough time ; they had over 37 days before my sale date. She said a letter was sent out stating the denial due to the sale but i NEVER received any letter even up until this day. She stated that XXXX shouldve told me this issue on the XXXX. The girl shouldve told me that she never put a supervisor call back request. This poor excuse for an employee XXXX completely lied to us. She is sitting at home collecting a paycheck to do nothing!!! Selene finance is doing bad and illegal business! There was more than enough time for them to review my file. Instead, its very obvious they want to take my home. I am of XXXX descent. My country is XXXX. I have a very hard time communicating. I have a very thick accent. I had my third party on the phone with me during these calls so I could understand everything. This just shows how XXXX Selene finance is. The negligence, racism on my file is unacceptable. Their behavior only leads me to believe that they are discriminating against me based on my sex, marital status, language, ethnicity, and nationalorigin.Pure per the consumer financial protection bureau. It states the following-No Foreclosure Sale Until All Other Alternatives Considered : Servicers must consider and respond to a borrowers application for a loan modification if it arrives at least 37 days before a scheduled foreclosure sale. If the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement.Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.This just further proves Selen finance wants nothing more than to take my home and this is unacceptable. Something needs to be done! they need to be stopped!!!
|
| 03/30/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Yes, I reached out to XXXX XXXX, a Councilor & Myself, He assisted me on a 3 way call in XXXX, XXXX to request a 3 month extension of my Forbearance.
As I consistently called Selene Finance, my Servicer, when inquiring about the approval on my Forbearance, I was told no information was available and the Representative immediately tried to steer the conversation in a different direction, asking about payment options & I ve explained my Hardship several times, asked if notes had been made on my account. Selene Finance received my loan in XXXX, XXXX, but when I called to inquire about my Forbearance letter as I was in a Forbearance with my Previous Servicer, " XXXX XXXX ", they stated they hadn't received my Forbearance letter & I did call XXXX XXXX to obtain my letter & requested them to please email Selene Finance my Forbearance letter & email it to my email as well. It took at least 3 calls to resolve this matter & each time, I received the Forbearance letter through my email, even forwarded the letter to Selene Finance Myself! If I received it in my email, I know Selene Finance had to receive it as well. But finally, after several calls, they had received, I tried Myself requesting an Extension, but the Representative would try to lead the conversation in a different direction. This is when I reached out to XXXX XXXX for assistance with a Councilor. But, every time I called to inquire about an approval, I was lead on to a different conversation. My Hardship letter was sent by 2 day priority mail, requesting a signature at the time of delivery. Within that Hardship letter, I also requested a " QWR '', as the balance on my loan is incorrect & I ve been working with a Mortgage Attorney with XXXX XXXX XXXX XXXX he researched the balance & my Principal balance does not match what Selene Finance is reporting on my Credit report. Also, while in a Forbearance, the Servicer is not suppose to be reporting to the Credit Bureau, as it states in the by law 's! I have 30 years with XXXX, had been out 3 years with XXXX XXXX XXXX XXXX XXXX due to the Pandemic, waited 16 months for my XXXX XXXX & a different XXXX to pick up my Case. I ve explained all this in my Hardship letter as I will attach all the information needed to move forward with my Complaint.
Now, I did call XXXX XXXX again to speak to a Councilor to see if they could assist me with another 3 way Conversation. So, I waited on the line, the Councilor came back on the phone & he experienced the same result as myself, " Music stops, it's like Someone answered the call, silence & then hung up, click, call was disconnected! I experienced the same result several times after sending in my Hardship letter to which it was denied & I have yet, as I requested a " QWR '' as well. Selene Finance sent a letter, requesting 30 days to look into the matter with my request, it has been well over 30 days & I have not received any correspondence from them. I been setnow facing a Court date, XX/XX/XXXX via XXXX. My XXXX XXXX Case has not been settled & I have been trying to Retire from XXXX to start my monthly payments, direct deposit so that I may show income! I have been given the run around with my retirement, I sent, via email my Retirement paper, filled out properly on XX/XX/XXXX, received a confirmation email on XX/XX/XXXX. I called after 3 weeks because I hadn't received my Retirement papers in the mail. I was told that my Status in the system shows I m on leave. For a ending date of Employment to be entered, my status has to show active. If I had not followed up & called, I would not been made aware of this. I have stayed on top of this situation & called my XXXX Representative for assistance, not much help there. I guess I raised questions, enough so I called last week, HR Retirement line, was told that a date of XX/XX/XXXX had been entered in the system, I needed to email a 2nd Retirement paper to which I filled out properly & emailed it. I did not receive a confirmation email that it had been received, so I called today as a matter of fact & was told the XX/XX/XXXX was now in the system & whenever a Case worker gets around to receiving it, my packet for Retirement will be mailed. I emailed my 2nd Request on XX/XX/XXXX, almost a week ago, hopefully my packet will be mailed as to my understanding, it takes 3 weeks to receive it. I will be on the lookout for it & will call to follow-up around XX/XX/XXXX to see if indeed, my Retirement packet has been sent out by mail & when to expect it! I have a XXXX XXXX Attorney, honestly, I thought when you retain an Attorney, they help protect you & your rights. Honestly, I don't feel very protected & I m reaching out for a better forum of assistance! Thank you for your time & please see attachments. I ll be looking for your response on this Complaint concerning Selene Finance, my Servicer.
|
| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
After reviewing a monthly mortgage statement with a family friend who worked for XXXX XXXX who does loans, He reviewed our monthly mortgage statement and said the payment amounts were incorrect. The totals didn't add up correctly.
Not totaling up to what was owed versus what was paid and fees involved etc.
So we did a 3-way call to our loan servicer XXXX XXXX Services and talked with the representative about the problem.
She put us on hold did the math with her computer then came back onto the phone After about 10 minutes to tell us.
She said, You guys are correct, the financial numbers do not add up correctly on our mortgage loan statements.
Thus meaning that the payment amounts we had been sending in each month we're also incorrect.
She said she would escalate the problem to an inquiry, with the upper level management at their company.
unfortunately we found out 2 months later she never hit the button to submit the upper-level management inquiry.
As we waited patiently for a resolution to what exact mortgage payment amount to send in each month, that was never to be answered by the company XXXX XXXX XXXX.
She must have forgot or by accident never completed the process for whatever reasons we don't know.
Instead we got a letter of default now asking for {$30000.00}.
Telling us now we're in default of the loan, Instead of getting our regular monthly mortgage payment or a resolution letter from an inquiry telling us what to send in for a monthly mortgage payment amount corrected.
Our phone call was trying to make a payment but first correct the situation with the XXXX XXXX XXXX representative who made the error and never submitted our inquiry as promised.
Now She caused us to go into default because of an error she made.
We found out all this information from another employee representative out of their Florida office 2 months later the same time of the default letter arriving asking for this {$30000.00} amount to get out of default or foreclosure processing She apologized to us on the phone, and submitted the inquiry to upper level management.
Who did nothing about the situation, only telling us not to worry about it and apologized.
After talking to many people in there ombudsman Department and loss mitigation Department with no one wanting to fix the problem and also no information of these phone calls was ever found for 4 months.
I ordered copies of the phone calls, they told us we would have to get a subpoena in court to have those.
So we ordered Witten Transmissions of the phone calls all recorded by them as every call, they mailed them to us instead.
When we receive the written transmissions of the two phone calls Which included the original call to the first representative making the error.
Then the second representative who told us of this information of the error made by the first representative on the first call.
Both calls recorded had been edited in their written transmissions.
All the parts where we discuss incorrect amounts on the monthly mortgage statement with the employee were taken out of the written recordings writing completely.
They were covering up the problems their employees caused us!
They're on ombudsman department and loss mitigation Department would continue to tell us lies that we were discussing only a modification on these calls and said no talk of upper-level management enquiries where recorded.
Luckily the employee who informed us of this information is our Witness and this issue has been reported to several legal investigative bureaus for investigation.
I have consulted lawyers and about to open a major lawsuit against XXXX XXXX Servicing located in Utah and Florida locations.
They refused to admit any of the wrong doing editing of phone calls editing of written Transmissions of the phone calls.
We have proof to covering up of errors made by their employees.
And not holding their company accountable for the actions and errors made by their staff and all or any employees in all departments.
They rather watch you go into foreclosure and lose your property than admit to any errors made by any employee working at their company.
This is of course is so they don't lose any of their client investors backing the loans.
Since that time they have sent our loan to a different servicer company and sold the loan to a different investor.
Now we seek more time to finish refinancing our property I am a XXXX XXXX XXXX lady in a wheelchair currently in the hospital going under medical procedures and need the time to finish and then sue the past servicer XXXX XXXX XXXX and the owner of the loan at that time.
|
| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My current mortgage servicer is refusing to provide valid and accurate proof of amounts of the debt they say I owe. I requested an amortization schedule from Selene Finance, the current servicer of my loan.The request was for a schedule starting from XXXX forward and another one from when the loan was first modified. My previous servicer, XXXX, offered another loan modification which was to transfer over to Selene Finance LP. In XXXX XXXX, Selene Finance took over the servicing of my mortgage. The problem is the sheer difficulty of verifying the brought forward unpaid principal balance from XXXX to Selene. I was hoping to use an amortization schedule together with a payment history of my account to verify the unpaid principal balance, and that payments have been applied correctly. Not being able to verify my principal balance gives me caution about signing a modification document. I also wonder if payments have been applied correctly and accurately to my account. Over the course of several months, I was told by multiple agents at Selene Finance and also by a supervisor by the name of XXXX XXXX, that it would be no issue for them to send me these documents after I had submitted a written request. Then on XX/XX/XXXX, I received an email from them that said they were unable to give me the amortization schedule and offered no explanation why. The reason I requested the amortization schedule was to see how they came up with the amount for the unpaid principal they are claiming I owe. Now, they are refusing to give me one and went back on what they told me for months. I told them I would be willing to sign a modification once I was able to verify the unpaid principal balance they say I owe. I believe my request is reasonable and within my rights. I simply want clarification on the unpaid principal and how they came to that amount. Not long after Selene Finance took over the loan, the prior servicer Shellpoint, sent me an amortization schedule. It included one page in this document, and the unpaid principal does not match up with what was on the statement. If you look at the outstanding principal on the amortization schedule page and see the date of XXXX XXXX, notice that it does not match with the outstanding principal on the statement for XXXX XXXX XXXX ( second attachment ). The difference is {$860.00}, and I'd like an explanation for this difference. In the email Selene sent XX/XX/XXXX ( fourth attachment ), they sent what appears to be a computer screenshot printout of my account. I am confused as to where they are pulling these numbers from or what they mean. The second landscape document is just a mess! It is not understandable and does not show evidence of what is the principal amount owed. On XX/XX/XXXX I made several phone calls to Selene Finance to try to speak to a supervisor. After being transferred and XXXX calls later, finally at XXXX pm, I got to speak to a supervisor by the name of XXXX. I had asked her why was Selene Finance refusing to give me an amortization schedule to which she initially, refused to answer. Finally, after repeatedly asking multiple times, she said we don't do those and haven't for years. I asked her what proof do they have for the amounts of the balance and even more specifically the principal amount owed and she also avoided that question several times. Finally she said well we sent you a welcome letter. Her responses are completely unacceptable! Recently I received a statement from Selene ( fifth attachment ) that shows an amount due of {$24000.00}. What is that? I need a detailed explanation/breakdown of that amount. On the recent statement they have my regular monthly payment as {$1200.00} which is not true! Where is Selene Finance getting that number from? Also I'd like to know what happened to the trial payments I made to XXXX for the loan modification that was to be transferred to Selene? In addition to the above information I have requested, I am now also requesting and explanation of the escrow balance as well.
In closing there have been inconsistencies with the information I was sent. I need something neat, understandable, and in layman 's terms so that I can tie the numbers out. The current servicer has an obligation to show evidence that the principal owed is true and correct. In addition they also need to show evidence of that monthly payment amount and show the correct amount. They need to show details of true correct escrow balance, trial payments and the amount due. I believe I am owed that information under the law. Selene needs to validate and verify this information.
|
| 04/29/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, my loan servicer for well over a decade, XXXX XXXX, sold my mortgage to Selene Finance, LLC. This was NOT a new loan. My escrow balance, which has more than enough to cover the property taxes due, transferred along with all of the other items to Selene Finance. The payment of my taxes and insurance is part of my original mortgage agreement as evidenced by the existence of my escrow account.
My property taxes were first due by XX/XX/XXXX ( post transfer date ) and the last due date was XX/XX/XXXX. Unfortunately, when I went to file my taxes and reviewed my 1098-R from Selene, the taxes showed as unpaid.
I contacted Selene on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today, XX/XX/XXXX XXXX in an effort to resolve my delinquent taxes and avoid a lien from my tax assessor against my property.
XX/XX/XXXX - Despite explaining the situation 3x 's to two different representatives, I was asked why the tax bill was not paid at closing ( not a new loan ). I was told they were allowed 90 days for them to get the loans up and running. I pointed out that 90 days would have been up in late XXXX so why wasn't the bill paid. No response. I was then told to upload my tax bill ( I did so while the rep was on the phone and got confirmation that they had it ). I was told it would take ten ( 10 ) days to get paid and that was the " expedited '' process. I then asked for clarification that they ( as per federal law ) if they would be responsible the penalties and assessments that my tax assessor would now be putting into place. They would only advise that they would commence an internal investigation about what happened. They alternated between blaming XXXX XXXX and that the bill was not paid at closing, neither of which are true. This is squarely on Selene. I notified my tax assessor of the situation. Time spent : 2 hours.
XX/XX/XXXX - I called back to see ( again ) if they would please expedite payment and again ask for clarification on penalties and fees. I was again told that the payment would take 10 days and that " it was the same for everybody '' and I was ( again ) stonewalled on the confirmation that they would pay the penalties and fees assessments. I asked to speak to a manager/supervisor - I was told that they don't take calls nor do they have an email address. Seriously? As a result, I sent a Notice of Error to the customer service email address in which they have 5 days to respond. Time spent : 1 hour plus.
XX/XX/XXXX - This is the 10 day mark in which I was told this was paid. My account online still showed my same escrow balance so I called in again. This time I was told that it was pending approval of " the team '' and had been since XX/XX/XXXX. I asked how long this would take the team to pay. No response. Note : Notice of Error was not responded to by anyone at Selene Finance. I advised my tax assessor of the situation. Time spent : 1 hour plus.
XX/XX/XXXX - My account online still showing same escrow balance and no payment to my tax assessor. I called in again. I was told that now the money was set to be taken out of my account as of XX/XX/XXXX. I was told again that they had 90 days from the date that they got the information set up in their system ( vs. the XX/XX/XXXX date of transfer ). I asked what date the set up was complete. I was advised XX/XX/XXXX. I then asked her to calculate the 90 days for me ( which would still be late XXXX ) and what month we are in now. I told her I found it impossible to believe that they did not have a report somewhere as part of their transfer that would show who's taxes were due and not paid. I also advised that they have breached their fiduciary duty and that I would filing with the CPFB and the XXXX. I did update my tax assessor of the XX/XX/XXXX date and my filing with CPFB and XXXX. No response to the Notice of Error has been received. Time spent : 1 hour.
In sum, Selene Finance has breached their fiduciary duty under : ( 12 C.F.R. 1024.17 ), in which they have the obligation to make the insurance and tax payments in a timely manner.
( 12 C.F.R. 1024.35 ) in that they failing are to cover the cost of any penalties imposed due to the late disbursement and failed to timely respond in 5 days to the Notice of Error.
Note that this company has ratings as follows : XXXX XXXX ; XXXX XXXX and XXXX XXXX. I am not the only consumer that is having issues with this servicer and this needs to be addressed at a much higher level.
|
| 01/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX I received a phone call from XXXX XXXX of Selene Finance, he asked me what my intentions were after they denied my request for a loan modification, I told him I needed and wanted to keep my home and the reasons why, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and also that we had been impacted by XXXX. He asked me to re start a new loan modification package which I did and said that I could speak with him at any time, just ask that a message be sent through the Selene system to him by any Selene rep that to which I speak with that day or send an email requesting to speak with him, to date I have never spoken with XXXX XXXX no matter how many times I have asked. After sending a new package by XXXX XXXXXXXX on XX/XX/XXXX, a form letter came to me dated XX/XX/XXXX denying the request for a loan modification without a reason, the statement said " You are not eligible for reasons identified in our previous notice to you '' On XX/XX/XXXX I called and left msg for XXXX XXXX with Selene rep XXXX, who said I was denied due to bankruptcy which I had not filed! XXXX said she was sending a msg to a Supervisor and XXXX XXXX to call me, I received a call from neither. On XX/XX/XXXX I received a call from XXXX of Selene Finance who asked me if I wanted to keep my home, I said yes, she said she received and was reviewing the docs I sent on XX/XX/XXXX and said that the file was denied the very XXXX time, ( when I spoke to XXXX XXXX on XX/XX/XXXX ), for insufficient income, ( XXXX XXXX had also stated that Underwriting failed to add in my income, and was going off my husband 's income only ) and she asked me to resubmit my package which I did and send in a new XXXX XXXX XXXX XXXX - XX/XX/XXXX the XXXX XXXX XXXX, new hardship letter stating that my income was included, upated paystubs for my husband, and indicate in the letter this was a resubmission, she also remarked the letter I received dated XX/XX/XXXX made no sense and did not include a valid reason. On XXXX I received a letter stating I needed to send in more information which I did. On XX/XX/XXXX, I spoke to Selene rep named XXXX, who asked me to send in an additional XXXX XXXX XXXX for my other part time XXXX job, and to send in a letter of explanation as to who was XXXX XXXX as now my mom 's income was added as well. and to send in corresponding check stubs for the XXXX XXXX XXXX. I sent those items in on XX/XX/XXXX by XXXX XXXX, fax, and email, and on XX/XX/XXXX Selene closed the file saying I did not send in the requested documents, On XX/XX/XXXX XXXX Selene rep verified those documents from XX/XX/XXXX were there, but the Underwriter did not understand what I sent in and for me to send in the XXXX XXXX XXXX again from the XXXX part time job and the corresponding bank statements this time circling the deposits that matched the XXXX XXXX XXXX I went to XXXX XXXX and emailed and faxed all this in spending almost {$100.00} and on XX/XX/XXXX when I called in and spoke to XXXX, she said the documents were in, but the case was still closed but that she was escalating my file up to a Supervisor and she assured me I would get a call no later than XX/XX/XXXX, to date, I have received NO call from a Supervisor nor XXXX XXXX, even though on XX/XX/XXXX I addressed an email specifically to XXXX XXXX. I have all my XXXX XXXX receipts, and I have emailed receipts from Selene acknowledging receipts of all information in a timely manner sent to them as requested. Selene for the most part has not been helpful, with the exception of a couple of representatives. I am asking for the CFPB to PLEASE do something about this company. They must have unqualified underwriters, they have people who don't care about Consumers, they just want to take people 's homes in foreclosure as opposed to working out situations. I have all my evidence to point to trying to work with Selene and they are not trying to work with me, they did not stop the foreclosure while reviewing the modification. I sent in the documents required well before the 30 day period, even when they asked for additional documents I was sent them in well before the 30 day period. It is not my fault underwriting did not understand what they were reading. Just today I received a letter from Selene stating they were closing my case the letter is dated XX/XX/XXXX, because I did not send in the documentation as requested.
|
| 06/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I fell behind in XXXX and filed XXXX XXXX and made payments until XX/XX/XXXX to the XXXX. I had secured the amount required to bring the account current. I have endured calls and mis information. I am asking you intervene to clarify that I do NOT owe another payment and I am current. I would like all lates removed and made whole.
XXXX XXXX XXXX I called in to obtain the amount necessary to bring my account current. The rep said I needed {$2900.00} to bring account current. XXXX offered a modification. I explained that I had a sale date and there was not enough time to get it completed. XXXX stated shed mark my file that I was bringing my account current. XXXX confirmed what amount I needed to bring my account current, {$2900.00}. I was told once this amount was received, I would be made whole and can resume regular payments to Selene. I explained to her I was obtaining financing to get this paid current.
XXXX XXXX XXXX Selene rep ( XXXX ) -I called to obtain the wire address to send funds. This time Im informed the amount required is {$44000.00}. I go on to tell rep that I have had multiple calls into Selene and have been quoted all different amounts to bring the account current. I was told I needed to order a reinstatement. The rep put a rush on the request telling me that it would get expedited using this method and it would take 48 hours. I called back two days later ; the rep told me I had to file a modification package to get the reinstalment quote. When I asked to speak to a supervisor, she claimed the supervisor was on the line listening all along and confirmed what the rep had just stated, reaffirming I had to complete a modification package to get the reinstatement quote. I went along to get off the line with her and try to call back and get someone else.
Later that day I did in fact receive the quote. When I called in and explained that I had received a XXXX XXXX gift to get my account back current, I was then told I had to call XXXX XXXX the company holding my home on auction, the coming XXXX
I called XXXX XXXX and I spoke to the rep, XXXX. He said it typically takes 1 week to obtain the quote and that it comes from Selene! I was so frustrated and stressed. On XXXX two days prior to the auction, I recvd the amount that was needed to halt the sale, {$74000.00} an additional XXXX XXXXXXXX approx.
At or around XX/XX/XXXX, I wired to Selene {$74000.00}. This was the amount on the reinstalment demand, for my loan.
Approximately 2 weeks later, ( around the XXXX ) I mailed in a payment for the XX/XX/XXXX, statement. When the XXXX statements resumed, I noticed the amount of my payment was almost double to the amount regularly paid. My escrow only pays my property taxes. The amount they were collecting was {$2100.00} per month. My annual amount is XXXX XXXX XXXX XXXXXXXX ; the amount being collected would have totaled {$26000.00}.
Every month I placed several calls to the only number offered XXXX. Each time I was met with reps that could care less. I had to repeat my story over and over. Many times, I was disconnected and had to call back and begin the process again. Each time I was asked for my best contact number, yet the rep never called me back.
The website for Selene is very basic. I could not submit an inquiry since my account was behind. There were very little options other than make a payment. So frustrating.
I began calling in XXXX to clarify why I was being charged over $ XXXX a month for property taxes.
XXXX Rep that answered stated an explanation letter had been sent to me.
XXXX when I explained that I had not received any correspondence from Selene . Rep stated they would resend the explanation letter. A request by the rep was submitted to have my XXXX reran.
Keep in mind each month I sent in my payment ; the funds were in a suspense account until the account reached the full amount due. All this time my credit was getting hit and declining. In XX/XX/XXXX I was sent a check, from Selene, approx. {$1900.00}. Escrow refund.
Once this was cleared, the harassment that my account was behind began. If I was not computer savvy, or in the industry I am in, how could any layman person handle this ongoing problem? The numerous calls to my home. Ive explained my self over and over and each time, having to deal with disconnections, hang ups, transfers to dept or number that never picks up. This is why I am reaching out to the CFPB for assistance.
|
| 03/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I am being unfairly treated by my mortgage lender and have been a 1 1/2 years challenge with customer service and accurate accounting and communication as it relates to my mortgage.
I reached out to CFPB in XX/XX/XXXX seeking assistance with this problem while trying to get a forbearance in XXXX of XXXX. I was placed in an unauthorized loan modification and continually denied assistance. My request to pay mortgage was declined from XX/XX/XXXX to XX/XX/XXXX due to being in a false foreclosure ( I have never received documentation from an attorney 's office informing me I was either headed or in an active foreclosure- however Selene 's call center would not let me speak to my loan office and denied working out payment arrangements with me until XX/XX/XXXX ).
I have had my attorney write letters to assist in getting accurate accounting and communication. Selene 's response was they were doing all they can to assist me in getting a loan modification when I was asking to simply pay up my mortgage. Finally in XX/XX/XXXX I was provided a reinstatement quote of which I asked for an explanation of the corporate/advance balance and a waiver of the late fees. It was agreed that all fees would be waived and for me to submit the {$12000.00} owed from XXXX - XX/XX/XXXX. I I was to receive a reinstatement quote for that amount the same afternoon. I did not receive the reinstatement quote and called the next and was assured it would come in a couple of week. I paid up my past due mortgage on XX/XX/XXXX with a cashiers check in the amount of {$12000.00} through express mail signed by a Selene staff in the XXXX, NJ office. I have been sending my payments this way every month to ensure proper documentation with signature because Selene Finance had not provided a reinstatement quote as of XX/XX/XXXX.
My attorney sent Selene a certified mail letter requesting a Qualified Written Request under RESPA section 6 establishing what the additional fees are and an explanation why I owed these fees. I have not received a response, but another reinstatement letter dated XX/XX/XXXX and received at my home address on XX/XX/XXXX giving me until XX/XX/XXXX to pay a balance of {$3800.00} of which is in error for I am current on my mortgage to date. Selene has also added an escrow fee of XXXX and Corporate/Advance of {$1900.00} with no explanation requested by my attorney. In addition the fees are not {$720.00} more than the original quote in XX/XX/XXXX, yet I have been making timely payments each month to Selene since XX/XX/XXXX. However the new quote did not count for the XXXX payment so I know that will be amended.
My complaint is the poor customer service, the dishonest information from more than XXXX customer service representatives since XX/XX/XXXX. I have submitted countless complaints to Selene Finance customer service via email and certified letter and have never in the entire process received a return phone call or honest communication. I was promised a reinstatement quote and for 3 months I have sent countless request for what was promised when I mailed my payment of {$12000.00}. And today they have not provided the documentation requested by my attorney 's office, but sent another quote which is inaccurate, but giving me less than 2 weeks to honor it.
It is clear I am having a one way communication with Selene Finance. I do not have the {$10000.00} it may cost in legal fees to bring Selene Finance to court. Selene Finance is accepting my monthly payment and is posting those payments to a suspended account. This is insulting and absurd. I am trying to avoid a court fees for due process- how do you accept my payments, but withhold an accurate accounting to reinstatement mortgage.
My experience with Selene Finance as have extremely stressful and shameful. I am caring for my adult XXXX son with a diagnosed XXXX XXXX and enlarged XXXX and XXXX XXXX. We do not need this kind of stress especially during a pandemic when I only asked for help with my mortgage payments of which by XX/XX/XXXX my income increased and I am doing well financially now and finally paid my back mortgage without their help. I want to move forward and get on the right track with this situation and need the help of the CFPB to inquire. In the meantime, I have my attorney the new reinstatement quote and hope we do not have to take Selene Finance to court for something so minor to correct.
Thank you
|
| 11/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
XX/XX/2023 XXXX XXXX Selene Finance LP XXXX XXXX XXXX XXXX, PA XXXX Subject : Response to Loan Modification Request and Account Concerns Dear Sir and/or Madam, I hope this letter finds you well. I am writing to address the issues pertaining to my loan modification request and my concerns about the handling of my account with Selene Finance LP. My account details are as follows : XXXX Account Number : XXXX First and foremost, I would like to provide some relevant facts and context surrounding the initial loan modification process and subsequent events. The loan on my property, which I have owned for the last 23 years, was originally serviced by XXXX XXXX XXXX. During the COVID-19 pandemic, I initiated the process of obtaining a loan modification with the original servicer due to financial hardships, specifically related to my son 's XXXX treatment and the loss of consulting agreements.
The loan modification process was underway with XXXX XXXX XXXXXXXX when my file was transferred to Selene Finance. I received a modification offer from Selene Finance with only one week 's notice to accept, significantly increasing my monthly payment from {$5200.00} to {$9300.00}. This substantial increase in my monthly obligation, coupled with my family 's ongoing medical and financial challenges, created a severe burden that I struggled to manage.
I sought a loan modification with Selene Finance to adjust the terms of the loan, primarily because my home has significant equity, far exceeding the loan balance of {$320000.00}. It was my understanding that Selene Finance agreed to this modification. However, I became increasingly concerned about the intentions behind the modification process. I was told by their Supervisor on XX/XX/2023 when I made the payment that Selene Finance had no intention in doing this modification and not sure why they wasted my time resources ( which was recorded ) I experienced significant delays in the modification process that seemed intentional, spanning over six months. Despite my diligent efforts to communicate with Selene Finance representatives, including making over 45 recorded calls and sending certified mail and faxes, the process remained protracted. During each interaction, Selene Finance representatives assured me that my file was complete.
As I fell behind by XXXX months on my payments, I contacted Selene Finance to discuss making partial payments to catch up. Regrettably, my initial requests were denied. However, after raising my concerns with your department, Selene Finance accepted a payment from me on XX/XX/XXXX, XXXX, amounting to {$9200.00}. This raised questions about the nature of the modification process and Selene Finance 's practices.
I had also requested a payment plan to gradually catch up on my arrears while maintaining current payments. Unfortunately, this request was denied, and the only option presented to me was to voluntarily sell the house. It is crucial to emphasize that this property is my primary home, and it holds even greater significance due to my children 's illnesses.
In my recent communications with Selene Finance, I have noted that my current gross income is incorrectly recorded as {$12000.00}, whereas my actual gross income is {$15000.00}. This discrepancy highlights the need for a more accurate assessment of my financial situation.
Given the aforementioned circumstances, I respectfully request that Selene Finance provides me with at least 60 days from the date of this letter to catch up on the arrears and explore the possibility of another loan modification. My income has significantly changed in the past month, and I believe that a revised modification could be a reasonable solution to address the current financial hardship.
I sincerely hope for a constructive resolution to this matter that considers my family 's challenges and my desire to maintain our family home. I kindly request that Selene Finance reviews this situation promptly and provides a fair and equitable solution.
Furthermore, I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to help address and resolve these concerns.
Thank you for your immediate attention to this matter. I look forward to a timely response and a productive dialogue to resolve the issues at hand.
Sincerely, XXXX
|
| 05/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX I requested, and XXXX XXXX XXXX ( my mortgage servicer at the time ) approved, a COVID-19 related mortgage payment forbearance. That forbearance was extended several times by XXXX XXXX XXXXXXXX, due to my familys continued financial hardship related to COVID-19. On XX/XX/XXXX at my request, XXXX XXXX XXXXXXXX offered me a continued COVID-19 related forbearance through XX/XX/XXXX ( Attachment page 81 ). The XXXX XXXX XXXXXXXX agent also briefly explained the COVID modification process I would go through on or after XX/XX/XXXX and that the XXXX XXXX XXXX would be in touch in XXXX of XXXX.
On XX/XX/XXXX I opened a certified letter from Selene XXXX ( loan servicer for XXXX XXXX XXXX ). Later that day I learned that Selene was now the servicer for my mortgage that XXXX XXXX XXXXXXXX purchased from XXXX XXXX XXXXXXXX in XXXX of XXXX. That mortgage was supposed to be in forbearance through XX/XX/XXXX. However, I learned Selene had issued a demand letter ( Attachment page 87 ) on XX/XX/XXXX for payment of {$28000.00} by XX/XX/XXXX. I made several calls to Selene and XXXX XXXX XXXXXXXX on XX/XX/XXXX to come to the understanding that Selene had no record of me having a forbearance of any type and had proceeded from XX/XX/XXXX ( when they started servicing this loan ) with the expectation that I be making monthly payments as of that date. A list of calls and a brief description of each is included below : XX/XX/XXXX @ XXXX ( 32 minutes ) I called Selene immediately when I learned Selene owned this loan. I was confused since I was supposed to be in COVID forbearance. They didn't have a record of forbearance in my file. Lots of discussion trying to figure out what was going on because they " didn't have the full file ''. They said they would request the full file from XXXX XXXX XXXX and I told them I was going to double check with XXXX XXXX XXXXXXXX as well.
XX/XX/XXXX @ XXXX ( 22 minutes ) I called XXXX and confirmed that I was supposed to be in forbearance through the end of XX/XX/XXXX. Agent located a copy of forbearance letter in my file and confirmed my understanding and also submitted a request for the document department to send me another copy of that letter.
XX/XX/XXXX @ XXXX ( 13 minutes ) I called Selene and confirmed that I was supposed to be in forbearance through the end of that month and requested an updated trial modification be sent to start on or after XX/XX/XXXX ( I had just opened a letter containing a trial modification offer that was made on XX/XX/XXXX ). I was told they needed the full file and would request it from XXXX XXXX XXXXXXXX.
XX/XX/XXXX @ XXXX ( 3 minutes ) and XXXX ( 13 minutes ) - First call was disconnected ( call dropped ) Second call I asked if Selene had an update on my loan status and trial modification. They said they didn't have my full file from XXXX XXXX XXXX and that it could take 30-60 days to receive from XXXX.
In a nutshell, what I believe should have happened ( regardless of who owned the loan, since it falls under XXXX XXXX and COVID-related guidelines ) : I should have received a XXXX COVID Flex Modification Trial Plan at the end of my forbearance - XX/XX/XXXX calculated under those guidelines for a payoff of XXXX payments and reduced interest. Thats what I asked Selene to do on XX/XX/XXXX and XX/XX/XXXX and what I understood would happen once Selene had my full file. At the very least my forbearance should have continued through XX/XX/XXXX and I should have been contacted with information on my available options.
By XX/XX/XXXX, Selene had filed for foreclosure. They also never acknowledged I should have been in forbearance through XX/XX/XXXX and didnt offer any kind of loan modification ( XXXX XXXX COVID related or otherwise ) to commence on or after XX/XX/XXXX. Selene has continued the foreclosure process and a sale date for my property is set for XX/XX/XXXX.
At a court hearing on XX/XX/XXXX, a plaintiffs witness denied knowledge of the XX/XX/XXXX forbearance letter and stated he had access to XXXX XXXX XXXXXXXX and Selene files for my loan ( Attachment page 3, paragraph N ). This is in direct conflict with XXXX XXXX XXXXXXXX still having that letter in their files and having provided it to me again, via fax, on XX/XX/XXXX ( Attachment page 87 ).
|
| 07/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am filing this complaint against XXXX XXXX and Selene Finance XXXX.
My mortgage loan was transferred from XXXX XXXX to Selene Finance in XX/XX/XXXX. Prior to transfer of my mortgage, my account was current with XXXX XXXX. When my loan was transferred 10 months of payments to XXXX XXXX " disappeared '' and/or were misapplied by XXXX XXXX and XXXX not port correctly to Selene Finance XXXX
XXXX XXXX mortgage continued to assert to me that all my information was correctly ported over to Selene Finance. Selene Finance refused to talk to me because I was in a XXXX XXXX bankruptcy. However, behind the scenes they " ingested '' {$10000.00} worth of mortgage payments, applied them to my account, and then " reversed '' them from m account. Despite months of my pleading to XXXX and XXXX XXXX, Selene Finance took me to XXXX XXXX Court to request a stay from relief so they could foreclose on my property at XXXX XXXX XXXX.
I am attaching documentation showing my monthly payments to XXXX XXXX including paying escrow shortages between XX/XX/XXXX and XX/XX/XXXX. Between fall of XXXX and XX/XX/XXXX, I was in a XXXX XXXX federally-sponsored XXXX forbearance of my mortgage.
Assessed Fees : When XXXX withdrew the motion for stay from relief, their attorneys stated that I needed to pay fees for the filing. You pushed back, they then withdrew, and you told me XXXX also withdrew the demand I pay fees. Then a few weeks later on XX/XX/XXXX, XXXX went ahead and charged me those fees.
XXXX is not compliant with XXXX XXXX which prohibits mortgage servicers -- that's XXXX -- from assessing fees against mortgagees -- that's me -- to correct errors on the part of the mortgage servicer -- in this case XXXX.
12 CFR Part 1024 Real Estate Settlement Procedures Act ( Regulation X ), specifically 1024.35 states " For purposes of Error resolution procedures defines unreasonable basis 1024.35 ( b ) ( 5 ), a servicer lacks a reasonable basis to impose fees that are not bona fide, such as : '' i. A late fee for a payment that was not late ; ii. A charge imposed by a service provider for a service that was not actually rendered ; iii. A default property management fee for borrowers that are not in a delinquency status that would justify the charge ; or XXXX. A charge for force-placed insurance in a circumstance not permitted by XXXX.
i. A late fee for a payment that was not late ; ii. A charge imposed by a service provider for a service that was not actually rendered ; iii. A default property management fee for borrowers that are not in a delinquency status that would justify the charge ; or XXXX. A charge for force-placed insurance in a circumstance not permitted by XXXX XXXX Error resolution procedures and scope to include- ( 1 ) Failure to accept a payment that conforms to the servicer 's written requirements for the borrower to follow in making payments.
( 2 ) Failure to apply an accepted payment to principal, interest, escrow, or other charges under the terms of the mortgage loan and applicable law.
( 3 ) Failure to credit a payment to a borrower 's mortgage loan account as of the date of receipt in violation of 12 CFR 1026.36 ( c ) ( 1 ).
( 4 ) Failure to pay taxes, insurance premiums, or other charges, including charges that the borrower and servicer have voluntarily agreed that the servicer should collect and pay, in a timely manner as required by 1024.34 ( a ), or to refund an escrow account balance as required by 1024.34 ( b ).
5 ) Imposition of a fee or charge that the servicer lacks a reasonable basis to impose upon the borrower.
( 11 ) Any other error relating to the servicing of a borrower 's mortgage loan.
( 9 ) Making the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process in violation of 1024.41 ( f ) or ( j ).
( 10 ) Moving for foreclosure judgment or order of sale, or conducting a foreclosure sale in violation of 1024.41 ( g ) or ( j ).
XXXX was notified of their errors by me starting in XX/XX/XXXX. Not only were errors NOT corrected, XXXX didn't respond to any error resolution inquiry I submitted within the XXXX period mandated by legislation, even after you told XXXX via XXXX I was handling the mortgage. Nothing, 8 months later and nothing.
|
| 11/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, my household income was cut in half due to my spouse being let go from his job due to XXXX. I called Selene Finance to request a XXXX forbearance as provided by The XXXX XXXX. I was told to complete a packet and send it to XXXX. I sent in everything requested, even though according to their site ( see below ), no additional documentation is necessary, but I stupidly sent it in, nonetheless. I sent this in on or around XXXX. A week or so went by and I received zero communication, either via email or regular mail. So, I called in and spoke to a rep on or around XXXX. She reported to me that I needed to send in more documentation, so I sent what she asked to the same loan resolution email address. Another week went by, and I called in on XXXX and was fortunate enough to ( eventually ) speak to supervisorXXXX XXXX. She advised me that I had completed the incorrect application and should have completed a different one which she sent me. In the very beginning, the rep sent me the WRONG application! Nevertheless, she was very professional and did what she could to help, including engaging with the underwriter, and I want to commend her for the efforts. But in the end my request still fell into a black hole, which I discovered todayXXXXwhen I called in and was told that 2-3 weeks will go by before I get an answer.
This entire situation and how it has been handled is an example of a companys incompetence on a scale I have never experienced before. I began this process as early as I could because I didnt want to have a 30-day late payment. Now, due to this ridiculous mess, I am now 30 days late. I filed XXXXXXXX XXXX XXXX in XXXX of XXXX, and it was discharged early in XXXX of XXXX due to me paying off all creditors early. My plan has been to go two years with a perfect mortgage payment history, which according to FHA guidelines, is 24 months of on-time payments ( FYII am a Mortgage Loan Officer ), so I can request an FHA cash-out refinance to finally complete some repairs to the subject property. That is now ruined due to Selenes disregard of the CARES ACT. I swear as God is my witness that I will call XXXX XXXX myself if this mess isnt fixed, and soon.
Retrieved on [ XXXX ] from : https : //www.selenefinance.com/CustomerAssistance.aspx The CARES Act for federally backed loans : A federal law, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, offers certain protections to homeowners with federally backed mortgages.
If your loan is a XXXX XXXX, XXXX XXXX, XXXX, XXXX, or XXXX loan, then it qualifies as a federally backed mortgage loan. The easiest way to determine if your loan is a federally backed loan is to call us at ( XXXX ) XXXX. You can also find this information by visiting agency websites associated with federally backed loans.
While the XXXX XXXX only applies to federally backed mortgage loans, other mortgage assistance options are available if your mortgage loan isnt federally backed. Please contact us to discuss your financial hardship.
A borrower with a federally backed mortgage loan experiencing a financial hardship due, directly or indirectly, to the XXXX pandemic may request a forbearance by : Submitting a request to Selene Finance LP XXXX and Affirming that he/she is experiencing a financial hardship during the XXXX pandemic.
There are no additional fees, penalties or interest beyond the amounts normally due added to the account. You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship.
If your loan is federally backed and you are struggling financially due to a XXXX related hardship, you have the right to request a forbearance period of up to 180 days. You also have the right to request an extension for up to another 180 days. Depending on your loan and specific situation, additional forbearance terms beyond 360 days may also be available. You also have the option to shorten the forbearance period at any time and resume payments if you are able to do so.
|
| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
On XX/XX/XXXX, I was alerted by my credit monitoring service of a new loan showing on my credit file with XXXXXXXX XXXX XXXX
I contacted the Credit Bureaus and placed a fraud alert. I learned that it was a loan modification made by my XXXX using my identity and personal information to get financial benefits, disobeying and ignoring a court order to remove my name from the loan.
I was unaware of this loan because all the information was sent to XXXX XXXX XXXX XXXX XXXX The new mortgage company used his XXXX XXXX XXXX my mailing address and failed to inform me of this new loan. I lived at the same address for XXXX XXXXXXXX XXXX XXXX his loan modification attorney, and all the documents associated with the loan had my mailing address. As I mentioned, they failed to inform me that a loan modification of {$190000.00} was done in my name.
The XXXX XXXX had the words XXXX XXXX name from the loan and if XXXX XXXX is not removed from the loan, XXXX XXXX will be held in contempt. They not only failed to remove it, but did the loan modification in my name in violation of the judges order.
I have not seen or had contact with my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
I was advised by the Credit Bureaus to file a report with the XXXX and I did. After hearing my case, the XXXX advised me to file an XXXX XXXX XXXX because my name was used without my consent and my knowledge violating a court order and severely damaging my credit. I filed it with the XXXX XXXX XXXX.
I also filed a motion with the court for contempt. XXXX XXXX XXXX XXXX XXXX XXXX was ordered by a XXXX to remove my name from the XXXX XXXX with XXXX XXXXXXXX XXXX and in addition his property was foreclosed and sold in XXXX. All the net proceeds from the sale were given to my XXXX ; he was the sole owner of the property.
XXXX XXXX XXXX was removed from my credit file and my credit was restored.
XXXXXXXX XXXX XXXX, I went to purchase my leased car.
I checked my credit file a XXXX before and my XXXX XXXX was over XXXX, I went to the dealer. At the dealership, I filled out all the paperwork required, and when the dealer checked my credit, there was a loan in my name of {$200000.00} with a company called Selene Financing.
It was the same loan that was previously deleted with XXXX XXXX XXXX.
I couldnt purchase my leased car.
Selene Financing reported me to the credit bureau on the same loan with a different account number that was previously deleted from my credit files with XXXX XXXX XXXX
There was also a judges court order filed on XX/XX/XXXX to have my name removed from the loan.
My credit file shows a different account number now with Selene Financing and a payment made on XX/XX/XXXX. I am not sure who made the payment on the loan, the property was on foreclosure since XXXX, and no one was making payments on the loan.
The property was sold and has a new owner.
My credit is ruined. I have been fighting to restore my credit and reputation in court since XXXX, and when I finally see the end with my credit restored, it gets ruined again.
The loan servicing companies re-aged the account, changed dates, reported payments that were not made, changed the account number, and failed to notify me of anything associated with this loan. XXXX thing that they havent failed to do is to report me to the credit bureaus and damage my credit.
My request is for Selene Financing to remove my name from the loan and stop the reporting in my name to the Credit Bureaus, as the court order from XXXX, XXXX states.
The loan information on my credit report was deleted and it reappears a few XXXX later under another name and a different account number.
I am attaching the judge 's Court Order to remove my name from the loan, the Identity theft report, the XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, and my XXXX credit file from XXXX showing that XXXX XXXX was deleted from my file.
Once again, I request Selene Finance to remove my name from this loan and to stop reporting under my name.
|
| 12/08/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX This letter is being sent respectfully in response to Selene Finance LP and their letter post marked XXXX XXXX XXXX in which there is contained a somewhat veiled threat of commencing foreclosure of my home for a debt that does not exist. Included in this same letter is a copy of a old and fully satisfied Note and Deed recorded as transaction # XXXX originated by Washington XXXX XXXX in XXXX I requested the specific name of an individual who would be responsible for reviewing provided documents and still maintain and unjustified claim against my property.
I am very ill and XXXX at my home and do not need this continued stress. My daughter and I are without the assistance of the family due to losses during XXXX. The records show the account is fully paid. To ignore that is criminal and violates the laws of this state.
For some reason the correspondence from Selene did not mention the contact with their office where I stated there are no unpaid balances against my home when I provided the representative the full principal and interest payments and date the payments were applied. There are a multitude of fully documented reasons why Selene is in error no balance due is just the beginning and should be sufficient.
Selene states that they entered into a business arrangement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX that somehow facially involves my property. XXXX XXXX was provided with a complete account transcript of the same details provided to Selene XXXX at XXXX XXXX detailing the full satisfaction of the very same transaction # XXXX included in their letter postmarked to me threatening to take my home by foreclosure. Details of payments are as follows : XX/XX/XXXX Principal payment {$130000.00} Interest payment {$4100.00} TOTAL {$130000.00} The provided detailed transaction sheets continued to show a {$0.00} remaining unpaid balance. I provided additional documentation to XXXX XXXX multiple times fully supporting there is no debt to collect.
I have no interest in the business dealings of these entities ( Selene, XXXX XXXX and this XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but as owner trustee for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ).
XXXX XXXX received an official copy of transaction history showing no balance remains with bar code stamp and letter attached.
CHAIN OF TITLE XXXX XXXX claimed servicing transferred to them from XXXX XXXX to XXXXXXXX XXXX # XXXX for the owner XXXX XXXX XXXX XXXXXXXX ( XXXX ), which would have made all correspondence and communications I had received from XXXX false.
XXXX confirmed they had no interest in my property when XXXX demanded payments on a transaction # XXXX and XXXX had no records of such an account. XXXX was shut down in my state of Georgia as there were others in this state with the same issue with XXXX.
XXXX XXXX then demanded payments on a transaction # XXXX as servicer for XXXX XXXX MORTGAGE XXXX ( XXXX ) stating servicing had transferred from XXXX XXXX XXXX XXXX XXXX no record of this transaction either.
I provided XXXX with all contract transaction numbers and my home address and XXXX had no ties to my property after # XXXX fully satisfied. I have paid dearly for my home and I want peace.
I understand that industry practice of switching loan numbers as often as servicers, but not when an account has been fully paid.
According to XXXX under the conservatorship of the XXXX, XXXX XXXX was not servicing this fully paid account for XXXX, therefore XXXX XXXX XXXX had no servicing rights to convey to XXXX Mortgage XXXX XXXX XXXX XXXX. Therefore, XXXX Mortgage XXXX XXXX XXXX XXXX had no rights XXXX convey to XXXX BANK XXXX XXXX XXXX XXXX not XXXX XXXX individual capacity but as owner trustee for RCF XXXX Acquisition Trust c/o XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now demand payments on transaction # XXXX.
XXXX XXXX
|
| 07/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX XXXX XXXX Selene Finance and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Both Mortgage Servicing Companies XXXX This complaint is against Selene Finance, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX. XXXX Telephone : XXXX www.selenefinance.com -XXXX This complaint is against XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX Telephone : XXXX These companies practices are deceptive.
Selene Finance is my current Mortgage Loan Servicer, and they fail to honor Loan Modification changes made to my loan filed by prior Loan Servicer XXXX Servicing recorded in XXXX XXXX Florida on XX/XX/XXXX. This XXXX Modification changed the terms of the loan as well as deleted my ex-husbands name from the Mortgage as the XXXX and changed the terms of the Mortgage. The loan Servicer before XXXX was XXXX XXXX, I was in review for a Modification of my mortgage when my loan was transferred to XXXX. Note, that XXXX didnt honor modification changes as well. These Servicers are involved in some type of illegal scam making funds from mortgage insurance and foreclosures. The Mortgage XXXX XXXX was servicing my loan in XXXX prior to XXXX. I filed for Bankruptcy in XXXX. XXXX wrote my and stated that a modification may involve some or all of the following changes to the mortgage loan : Bringing the account current Reducing the interest rate on the loan Extending the term of the loan, and or/ Delaying repayment of the portion of the loans principal until the maturity date Once I completed the XXXX XXXXXXXX was filing bankruptcy and they never completed the Modification process- loan was transferred to XXXX who didnt honor Ditechs commitment to assist me- the circle continued.
Selene Finance is currently misleading me in my current modification process. I have hired an attorney assist with my Foreclosure process and have channeled all modification document request through my attorney to theirs. They are currently working behind the scenes using tactics like requesting that I send documents that were forward to them already over and over. Also, they are requesting that my ex-husband send documents to them as well. We have been divorced for years. Stalling and misleading me. They are using this tactic to prevent a modification from occurring so they can foreclose on a home. XXXX has filed for foreclosure.
Selene Finance has yet to send necessary information for loan refinance. I have requested loan payoff information and have yet to receive this information and it starting to feel like XXXX is taking steps to prevent a refinance from occurring, since the refinance can cause the loss of revenues from losing my loan.
( Just received payoff XX/XX/XXXX ) Amount is inflated with fees.
XXXX is a wholly owned subsidiary of XXXX, a specialized investment management firm focused on real estate, mortgage finance and corporate credit with more than {$20.00} XXXX in assets under management. My property has already been placed in pre-foreclosure status. Which demonstrates to me that this company is not operating in good faith. I started this loan Modification process last year and my loan was transferred to XXXX, and they are not operating in good faith. It is a hardship when they ask for me to re seen documents over and over.
XXXX has placed forced insurance on my loan. I have sent copies of insurance information several times via email as well as my attorney has forwarded this information.
I am asking that this company honor the original modification recorded and or make my loan more affordable by lowing the principal amount. In addition : During my Bankruptcy in XXXX, the current XXXX XXXX XXXX, did not participate in Creditors meeting but they sent a letter acknowledging how they would help. This was the only loan that I choose to reaffirm. Which was agreed upon.
Visit : XXXX XXXX XXXX for more information about this company.
|
| 08/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our office has been working with Selene Finance for over a year to obtain a short sale. Numerous short sale packages were submitted and denied without review. When our office first initially submitted a short sale package, our office was the point of contact for interior access. We never received a call and was then told by Selene that the appraisal was completed on XX/XX/XXXX and they wanted a full pay off. I requested a new Appraisal be conducted as firstly the home is vacant and secured, our office being the only party to have interior access and somehow the appraiser got inside without permission as well the fact that there are damages throughout the home that needed to point out the damages such as cracks in the foundation, waterbed, etc., so there was never a true evaluation completed. We have since ( for over a year now ) submitted packages to Selene Finance and when following up and informing the reps as to what previously happened and requesting a new appraisal be ordered they deny the request and state they want a full pay off or keep the file in review without an answer and each time we call the update is, still in review. Please be advised, there is a 2nd mortgage that is owed over XXXX as well as XXXX tax liens on the property for approximately XXXX. The last package was submitted on XX/XX/XXXX. After continuously calling for updates and having reps escalate issues as well as put in requests for their supervisors to call me back i have not received XXXX call back from ANY supervisor nor did anything come from the escalated issues- the reps i speak with just tells me they will re-escalate. Please see below timeline of each call and outcome below " XX/XX/XXXX - ss package submitted XX/XX/XXXX - bank confirmed received, and imaged in to system. Emailing ss dept to review for short sale.
XX/XX/XXXX - rep put in request to follow up on ss review since there was no updates since the file was opened on XX/XX/XXXX. XXXX XXXX is specialist on this so rep was emailing XXXX so she can reach out to give me update. - Spoke with XXXX XXXX XX/XX/XXXX - there was a request submitted to investor to accept offer as of XX/XX/XXXX but no response yet. - Spoke with XXXX XXXX XXXX Still no update. Rep escalated to underwriters to review and was told we should have an update within 72 hours. - Spoke with XXXX ID # XXXX XXXX XXXX stated they are still waiting on the investor to respond. Escalating the file again. While on the phone wit the rep, he stated he received an email from the underwriter stating they got in touch with the investor and currently on the phone with them and to call back tomorrow and there will be a response. - Spoke with XXXX ID # XXXX XX/XX/XXXX- Still pending investor review. There is no answer. Rep was emailing the head of the short sale dept. to see whats going on. Left message for XXXX XXXX.
XX/XX/XXXX - Still no update. Emailing XXXX XXXX and CC her manager requesting an update. Spoke with XXXX ID # XXXX XX/XX/XXXX - called for update and rep tells me we are not authorized on file. Asked to speak to supervisor and she refused to send me to anyone and also refused to give me her name.
XX/XX/XXXX - Emailed a complaint to Selene ( XXXX and XXXX ) stating no-one has got back to us along with the 2nd mortgage payoff and the federal and state tax liens and letter from the inspector.
XX/XX/XXXX - There is no update on the account nor our complaint. Rep escalated issue, emailed her supervisor XXXX XXXX and transferred me to XXXX voicemail and i left a message for her as well. Was told supervisor will get back to me within 24 hours. Spoke with Eve with customer service dept.
It is now XX/XX/XXXX and i still have not heard back from anyone at Selene on the file and there is still no answer on this review. Please help us in getting this file completed, thank you.
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was approved for a loan modification which required XXXX trial payments for XXXX, XXXX and XX/XX/XXXX. I paid all three payments as directed. The first one was made at the bank and sent electronic wire transfer to Selene Finance on XX/XX/XXXX. The mortgagae company coded the payments incorrectly and coded XXXX for XXXX. It took them until XX/XX/XXXX to correct the mistake that they made in order for the final modification documents to be completed and sent to me. The first set of modification documents did not get sent out to to me until XX/XX/XXXX. When the documents arrived ... there were a few inaccuracy 's and issues. They had my deceased husband listed on the documents as having interest in the property, his name spelled incorrectly and in parenthesis indicated divorced. I notified XXXX immediately to inform them of the following : My husband legally signed off of the deed and a new one was recorded in XXXX by the attorney we hired to handle it so his name should not have been listed, two they spelled it incorrectly, and sadly the third that he passed away in XX/XX/XXXX. In XXXX I notified them of this along with all the supporting legal paperwork. They informed me that they would correct it and get new corrected documents sent out. They also requested that I send a copy of the death certificate which I did. The 2nd set of " corrected '' modification documents did not get sent to me until XXXX .... when they arrived the only change they had made was one word which was divorced now said deceased .... EVERY thing else was exactly the same. They informed me again that they would be correcting the info, taking his name off, and sending me a third set. The third set arrived in XXXX, and nothing was changed or corrected other then indicating that they needed to be signed and sent back by XX/XX/XXXX also indicating that a check for the first modification payment must be included as well. When I called again about the same issues not being corrected they advised me that I had to sign them or else I was at risk for foreclosure and that they would correct what they needed to nce they had the signed originals back from me. I signed them sent them back with a check for XX/XX/XXXX, they signed off and sent the finalized ( notarized on their behalf ) copies to me. However they are now indicating that I am 3 months delinquent and have sent intent to foreclose documents because of the incorrect XXXX date that never got changed when the New documents were created in XXXX. So basically they are saying that the modification started in XXXX but first payment was due XXXX because they never corrected it to coincide with the 3rd set they sent out. I panicked when they called me two weeks later and I gave them another 3 months payments but they coded them for XXXX XXXX and XXXX... so they are still saying I owe XXXX XXXX XXXX even though the finalized modification started on XX/XX/XXXX. The other issue is that somehow within the data entry process of things .... I found out that they made a data entry error and instead of my principal balance of {$190000.00} they have my principal balance as XXXX XXXX. Every other day my forclosure documents arrive at my home in my name and my deceased husbands name even though has not been on the deed in over four years. Ive called over and over and can not get help with rectifying any of this ... .not to mention my credit has taken a hit as well. The last time I looked the wesite said I have accrued over {$23000.00} in interst this year already due to the XXXX XXXX error. I also realized that each month since the very first trial payment I made that they coded incorrectly in there system that took 4 months for them to correct I have been charged a {$280.00} late fee.
|
| 10/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
The specific errors and information I request is bundled into ten separate substantively similar packets for Selenes reviewing ease, the rule, regulation, code that is violated and proposed resolutionseither mandated in law or by mefor bringing about conclusion and compliance. This company is not in legal compliance and continues to disregard court orders that I control my mortgage. See packet # 1.
This letter and the ten associated packets have been pulled together by me at great expense due to my XXXX. The purpose of this letter is to notify Selene of continuing persistent, frequent, errors on my mortgage account the nature of which are neither legally compliant in Federal code, regulation, rule-making, policy, or guidance nor responded to by Selene as required by the aforementioned elements during my previous attempts toward reaching a compliant and satisfactory resolution. The purpose of this letter and attached documents is to 1. Notify Selene of errors to transaction postings to escrow, interest, principal, and principal only payments I have made on my account since XX/XX/XXXX ; 2. Selene must unwind the misapplied funds to escrow, interest, principal and reapply the correct interest, escrow, and principal. Selene STOLE my {$8000.00} principal only payment and applied it INCORRECTLY by putting it towards the next several months of payments and this is in VIOLATION OF THE COURT ORDER.
3. Notify Selene that I still have not received documentation demonstrating that corrections were made to my mortgage account following transfer of the loan from XXXX XXXX to Selene in XX/XX/XXXX ; XXXX. Request a reason why I still have not received a response from Selene after sending the first notification of errors in XX/XX/XXXX, the second in XX/XX/XXXX, and subsequent notice of errors have all gone unanswered ; 5. Request for information vis a vi my history of contacts with Selene and my mortgage record that includes all telephone and email contacts initiated by me and received by Selene since XX/XX/XXXX through XX/XX/XXXX and my full mortgage record, specifically : XXXXa. Telephone contacts with Selene call center representatives to include date, time, length of call, purpose of my call, and resolution of the call, and, 5b. mail contacts day, time, to whom the email was addressed, subject line of email, attachments included, purpose of email, and reason for the absence of a response from Selene for each email inquiry.
6.Request for access to my account so I can access my transaction history, all escrow analyses, and the allocation of funds across my mortgage account ; 7. Request to remove my escrow account from Selenes control. I no longer want this company with demonstrated in competence and disregard for legal and ethical business practices to handle my escrow account any longer.
8. Notice that Selene is in ERROR for not posting my {$8000.00} principal only payment to my principal balance. See the attached QWR from my bankruptcy attorney that I manage my mortgage payments as I see fit NOT the XXXX XXXX court. In addition, the confirmed XXXX XXXXXXXX planwhich I sent to Selene in XX/XX/XXXX CLEARLY STATES that I control the mortgage. I determine and make additional payment toward my principal balance as I see fit NOT the Chapter 13 court. Selene is in violation of the XXXX XXXXXXXX confirmed plan.
I entreat Selene to come into legal compliance and treat this inquiry with the gravity it deserves. Selene call center representativesincluding their managersare inappropriately trained and ill-prepared to understand or act upon a resolution of these issues. Do not tell me to call the XXXX or XXXX telephone numbers.
Sunday between XXXX XXXX and XXXX XXXX EST at XXXX.
|
| 02/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On or about XX/XX/XXXX, our loan servicer changed from XXXX XXXX XXXX XXXX to Selene Finance LP.
Despite this transfer, both Selene and XXXX failed to send us a " notice of servicing transfer '' as required by 1024.33 ( b ) of Regulation X, the Real Estate Settlement Procedures Act.
Up until late XXXX, XXXX, we did not receive any periodic billing statements from Selene as required by 1026.41 of Regulation Z, the Truth in Lending Act.
As of today 's date, Selene has not sent us a notice of debt as required by section 1692g of the Fair Debt Collection Practices Act, depriving us the opportunity to demand validation of the alleged debt.
Selene has repeatedly called my phone, often leaving scripted voicemails. At no time did Selene state in its communications that it is a debt collector, in violation of 1692e ( 11 ) of the Fair Debt Collection Practices Act. This is troubling, because Some examples of voicemails we have been left are below.
" This message is for XXXX or XXXX XXXX. This is Selene Finance. Please give me a call back XXXX. '' " This message is for XXXX/XXXX XXXX. This is XXXX from Selene Finance. Please return the call the number here is XXXX. '' " This call is for XXXX or XXXX XXXX. This is Selene Finance. Please return my call. The number is XXXX. '' We did not call them back for a long time because we did not know who they were.
Although we are not entirely sure how or why, it appears at some point during the loan transfer process our home address was changed by XXXX or Selene to an address that we never lived : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX A simple internet search would show that this address belongs to XXXX XXXX XXXX XXXX. What is troubling is that it appears that Selene DID have our correct address on file, but chose not to send documents to it. Despite repeatedly telling Selene that it had the wrong address on file as early as late XXXX, XXXX, Selene did not bother to update our address until 2 1/2 months later on XX/XX/XXXX. To date, we have received one mortgage statement from Selene, dated XXXX, XXXX. We also believe that the Selene is attempting to collect an incorrect amount.
This is incredibly troubling to us because having a loan in default, these errors have crippled us and will likely prevent us from obtaining resolution with our loan that will allow us to stay in our home. Quite frankly, this is devastating and Selene 's responses have been even worse.
Despite multiple requests, and assurances from Selene 's attorney, Selene continues to refuse to send us the documents and information that they are legally obligated to provide us. We have escalated the loan internally and have contacted the investor, XXXX XXXX to report mortgage servicing fraud/negligent servicing with Selene ( XXXX recently acquired Selene ), however, XXXX has refused to do anything other than to escalate the account with Selene, but most recently, XXXX has stopped communicating with us as well.
Separately, I also want to provide information from a very troubling phone call that occurred on or about XX/XX/XXXX with Selene. This call was our first communication with Selene.
During the call the, the customer service representative asked me what our intentions are. When I told him that our intentions are to stay in our home, he stated that the best way for that to happen would be for us to stop defending the foreclosure ( that has been going on for almost 8 years ) and allow Selene to obtain a default judgment against us. This, he said, would show Selene that we are working in good faith and we would likely obtain a modification with better terms than what would be offered to us otherwise.
|
| 01/31/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX and my account number with XXXX XXXX XXXX is ; XXXX.
My mortgage loan XXXX XXXX was behind so i applied, and was approved by the XXXX Mortgage Relief program to bring my loan current. After I was informed that I was approved, I was later informed that the funds had been transferred to XXXX XXXX. I contacted XXXX on several occasions to find out when the funds would be applied to my account, and they said they did not know.
I called again and asked and asked for an update on when the funds would be applied to my account, and they again said they did not know. Today is the XXXX day after the funds have shown as received by XXXX XXXX, but have not been applied to my account. A week ago I received an e-mail from the XXXX Mortgage Relief program ( this is the organization that provided the funding ), informing me that had made multiple attempts to obtain confirmation from XXXX XXXX that the funds they provided had actually been applied to my account. But XXXX XXXX ignored them, and have not responded to their requests.
Before being approved by the XXXX. program, I had been pushing and complaining to XXXX about failing to partner with the XXXX. program and not providing them with the information that they needed to get me approved. Several times a month I had to call and complain to them. After being approved by the XXXX. program, they informed me that the final document that they needed from XXXX was the total amount that would bring my account current. And I had to again call XXXX XXXX to complain about their lack of partnership to get them this information. How hard could it have been for someone to tell you how much you owe them, so they could pay you. But finally, in the middle of XXXX of XXXX, XXXX XXXX finally provided that information to the XXXX program.
Thereafter I received a notice from the XXXX. program stating that they had submitted enough funds to XXXX XXXX to bring my account current through XX/XX/XXXX. I checked my account online with XXXX and I saw that on XX/XX/XXXX, a payment of {$15000.00} was received from the XXXX program. Because of XXXX XXXX failure to timely post these funds to my account, I made XXXX additional payments in XXXX. XXXX posted on XX/XX/XXXX in the amount of {$1700.00}, and on XX/XX/XXXX, in the amount of {$1700.00}. That comes to at grand total of {$19000.00} received in XX/XX/XXXX.
As of the end of XX/XX/XXXX, the online portal stated that my delinquent balance was {$10000.00}. And the last statement that I received from XXXX dated XX/XX/XXXX stated that I owed {$11000.00}, which is a difference and increase of {$770.00} dollars.
On XX/XX/XXXX, I checked my online account with XXXX again, and it still stated that my delinquent balance was {$10000.00}.
On XX/XX/XXXX, I checked my online account with XXXX, and this time it stated that my delinquent balance was {$5600.00}. Which is {$5300.00} less that the last time I checked on XX/XX/XXXX. So {$19000.00} - {$5300.00} leaves {$13.00}, XXXX credit left.Where are these funds?
On XX/XX/XXXX, I checked my online account with XXXX, and the balance was still {$5600.00}. So where is the rest of the funds, the {$13000.00} that has not been applied.
It shouldn't be such an effort to dispense funds to an account that they had already audited in order to provide that amount to the XXXX. program, less than XXXX ago. It is my belief that the delay is because they are searching for ways to illegally siphon funds, manipulate my account, and steal funds.
I need your help in auditing all the funds received, and how they are being disbursed.
|
| 08/14/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2020, my wife, XXXX XXXX XXXX and myself, XXXX XXXX applied for a refinance loan with NY XXXX XXXX XXXX. We were approved and was advised by our loan XXXX to call our mortgage servicer, Selene Finance and inquire into a C.E.M.A application. On XXXX, XXXX, 2020 i called Selene Finance Customer Service and asked to speak to someone in regards to XXXX. I was told that there is no way that i can speak directly with anyone in that department and that all request could only be done through email. I then sent an email to to address provided ( see attached ) and was told that request would take 30 - 45 business days. On XXXX, XXXX, 2020 i received a letter in the mail from Selene Finance which was a pay off letter ( see attached ). i then called Selene Finance Customer Service and inquired about the payoff letter. i expressed my concerns that this letter was sent to me in error instead of C.E.M.A application. Fearing that i was sent this payoff letter in lieu of C.E.M.A application, I tried desperately to speak to someone other than the C.S.R but was told that it was not possible and that i had to wait the 30-45 business days. On around XXXX, XXXX, 2020, after not receiving a response to my request, i called Selene Finance C.S.P and inquired about my request. I was then told that their computer showed that they fulfilled my request on XX/XX/2020. I then explained the situation to C.S.P and again, tried to speak to someone who could further clarify why i received a payoff letter rather than a C.E.M.A application but was again told that it wasn't possible and that i would have to submit email request again. Once again, i submitted the request and on XXXX, XXXX, 2020, i received an email ( see attached ) from Selene Finance ( XXXX XXXX ) stating that they received my email and it has been forwarded to the appropriate department for handling. On Friday, XX/XX/2020, i called Selene Finance C.S.P ( XXXX ) and explained that i was calling to check the progress of XXXX application and wanted to speak to XXXX XXXX or someone who could better clarify this process since i was extremely close to a closing date for refinance mortgage. C.S.P. ( XXXX ) stated that speaking to a supervisor was not an option because he was not going to do anything because " it's not his department '' and that i would again have to wait the 30-45 days for a response. I then asked her if i wait the 30-45- days and i get no response and call Selene Finance back again, would i be able to then talk to someone in regards. she replied " No '', but i still had to wait. This is not good business and very unprofessional. C.S.P ( XXXX ) was unhelpful and seemed very bothered by my concerns about C.E.M.A application. I followed their email instructions exactly the way they told me to. I called and expressed my concerns as to wrong paperwork and was denied further action. I called again and was denied a phone consultation with anyone who could help me. I think this is unacceptable for a mortgage servicer who deals with thousands of mortgages not to have personnel available to handle problems of their customers, especially when the servicer is at fault like in this situation. I would truly appreciate help in acquiring information about my C.E.M.A application as well as why is it their policy to not allow customers to speak to anyone. I thank you for your time.
side note : That letter that i received from XXXX XXXX on XXXX, XXXX, 2020 stated that an agent will be contacting me shortly to explain C.E.M.A process. Almost a month later and i still haven't received a call.
|
| 10/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
Older American |
|
I have attempted to get loss mitigation assistance from Selene Finance and have been denied access to programs that are designed to help people in my situation. When I told them about the hardship due to Covid we were never provided access to the CARES program or considered for any type of forbearance. Every step of the way they have obstructed my family from even being considered for any type of relief through loss mitigation programs, even though I am sure we qualified. Now they are rushing to foreclosure sale on XX/XX/XXXX without ever providing the opportunity to go through the state mandated mediation. I believe their actions have been unethical and believe that we deserve a chance to be considered for options to restructure or modify our mortgage loan, especially considering the fact that we have a great deal of equity in the property.
My father built this home back in XXXX and I grew up here. My husband and I moved back into the house about 20 years ago and took out a refinance loan. This loan was originally with XXXX and then it went to XXXX and now it is with your company. My family has had a horrible few years dealing with reduction in hours, XXXX and recently due to complications from XXXX my husband lost his XXXX. We have repeatedly requested modification or forbearance or deferment help and feel that last servicer XXXX and now Selene have turned a blind eye to our family. I worked in XXXX at XXXX XXXX for XXXX XXXX and am now retired. XXXX worked as a XXXX XXXX for XXXX XXXX until he got XXXX with XXXX and ended up losing his XXXX.
We began struggling on our mortgage in XXXX and missed a few payments. We had gone through a reduction in income and also some large unexpected expenses and for the first time in nearly 20 years had difficulty paying. I spoke with XXXX to see if they would help and asked about a deferment or other options and they brushed me off at that time. I would continually get letters from XXXX telling me they wanted to help and that modification or deferment were options but I would fill out all of the paperwork and send it in and nothing would ever happen. We would be switched from department to department and could not get a straight answer and then would be told the package was not complete. I tried to resume making payments but was told they would only accept all of the missed payments at once which was not possible.
In XX/XX/XXXX I became very sick with XXXX and was hospitalized. We contacted Selene to see if there were any programs to help borrowers who were impacted by XXXX and were told that there were not any options at that time. Not long after that my husband had a XXXX XXXX XXXX in his XXXX and was immediately hospitalized. They determined this was related to XXXX and his condition deteriorated and his XXXX became XXXX and he was hospitalized for weeks and then they told us that they would need to XXXX XXXX XXXX to save his life. I found out about the CARES program when this happened and called in to Selene to ask why we had never been considered for this program and their agents told me that the program was now closed. I dont believe that statement was true. We began receiving letters telling us we could apply again for help and it would list the name of our single point of contact who was managing our account but despite dozens of phone calls we never spoke with this person once. We would submit package after package of financial information to your company but were never ONCE able to get considered for any type of assistance with our delinquent payments.
|
| 07/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Chain of XXXX XXXX loan originated with XXXX XXXX in XXXX. That same year XXXX XXXX sold the loan to XXXX ( now XXXX XXXXXXXX XXXX ). In XXXX XXXX XXXX sold the loan to XXXX Bank, serviced by Selene Finance LP.
We requested from XXXX, several times over the past year, a copy of the original note with endorsements. They would only send us a copy of the note with no endorsements. After we filed a complaint with the CFPB on XX/XX/XXXX, XXXX finally sent us the copy we asked for, on XX/XX/XXXX. It is attached hereto. It has XXXX endorsements : XXXX is pay to the order of XXXX XXXX, the originator. The other is an endorsement in blank from XXXX XXXX, which reflects the XXXX sale to XXXX. There is no endorsement reflecting the sale from XXXX. XXXX to XXXX Bank.
On XX/XX/XXXX, we sent a Qualified Written Request ( QWR ) to XXXX. A copy of that QWR is attached hereto. We requested, XXXX XXXX, a copy of any endorsement, assignment, or allonge reflecting the transfer of the loan from XXXX XXXX, the previous owner, to the current owner, XXXX Bank. In response, on XX/XX/XXXX ( attached hereto ), XXXX sent a copy of the XX/XX/XXXX, Notice of Assignment, Sale or Transfer of Your Mortgage Loan, notifying us that our loan had been sold. This simply is correspondence we had already received. This is not an instrument reflecting the sale of the loan from XXXX XXXX to XXXX Bank, which is what we requested.
At this point, it appears there is or XXXX be a problem with the chain of title of our loan. We are requesting that XXXX provide a copy of the endorsement, assignment, or allonge that reflects the sale of our loan from XXXX XXXX to the current owner, XXXX Bank. If no such document exists, we request an explanation of why no such document exists.
The Loan Modification We were offered a Loan Modification Agreement by XXXX. A copy of that XXXX was attached to XXXX XX/XX/XXXX, response to our first CFPB Complaint, and is attached hereto. The loan modification documents sent by XXXX show a first payment due date of XX/XX/XXXX, a date that had already passed by more than XXXX months. However, we had a CFPB complaint pending for XXXX days, from XX/XX/XXXX, to XX/XX/XXXX. Prior to that, we had a pending QWR ( originally sent on XX/XX/XXXX ) for which we did not receive a response until XX/XX/XXXX. We could not sign the loan modification documents until the CFPB complaint was resolved. XXXX informed CFPB on XX/XX/XXXX, that it was still working on our issue, and then responded on XX/XX/XXXX. At that time, XXXX gave a deadline of XX/XX/XXXX, to sign and return the loan modification agreement, together with XXXX payments.
We could not sign, in XX/XX/XXXX, the loan modification agreement with a first payment due date of XX/XX/XXXX. The signing of the documents was delayed by XXXX review of our CFPB complaint. We were ready to sign the loan modification agreement. However, while we were ( and are still ) able to begin making monthly payments in XX/XX/XXXX, we could not make XXXX payments. In our XX/XX/XXXX, QWR, we requested that XXXX update the loan modification documents to reflect a first payment date that had not already passed. By their XX/XX/XXXX, response, they denied the request, and sent us another XXXX XXXX Assistance XXXX, requiring us to go through the entire application process again from the beginning.
We are requesting that XXXX send us a XXXX XXXX XXXX, for the same terms previously offered, that does not have a first payment date that has already passed by several months.
|
| 09/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
I am filing this complaint with the CFPB due to the fact that the current servicer of my loan, Selene Finance LP, has been negligent with the process of my short sale.
My property, with the legal address of XXXX XXXX XXXX, XXXX XXXX, TN XXXX has a defective title, the chain of title is broken. This severely restricts the pool of potential buyers, which has a large, negative impact on marketability and value.
Selene and its investor have never established a real value for the property, they have stated that they have a value of {$600000.00} USD for the property based on a Brokers Price Opinion/Comparative Market Analysis ( BPO/CMA ). A BPO/CMA does not establish a real value for any particular property.
The BPO/CMA value is simply a comparison of other sales that have occurred in the area where the property is located and the Real Estate agents performing do not have the tools to account for the break in chain of title.
Only a licensed, certified residential appraiser can establish an actual value for any particular property. This is the law. To date, no appraisal has ever been conducted by Selene on behalf of its investor.
A brokers price opinion or comparative market analysis is not an appraisal. Only an appraiser can perform an appraisal. A BPO/CMA does not legally establish an actual value for a property, an appraisal does.
We have as mentioned previously that we have presented an offer nearly a year ago that comes from a cash buyer who is willing to take conveyance of the property and subsequent to closing, absorb the costs, encumbrances, and time that it will take to cure the title issue. We have had many people and entities look at my property and no other cash buyer has offered to purchase the home.
Additionally, if they try to foreclose on my property and do not disclose at the time of the foreclosure sale that the property has a title issue, others will be hurt as well. Not disclosing a known serious issue with the title would be negligent and a dishonest representation of the property.
My representative and I will be sending the attached appraisal to Selene Finance LP.
The claim of Loss Severity is too great is also not true as this loan was a Fannie Mae insured loan and the amount that the buyer paid for this non-performing note is nowhere near {$600000.00}. Additionally, they are claiming that they have paid out monies on the upkeep of the home.
Some of these are very questionable, for example, cutting the lawn during the winter months. I have received warnings and fines from the HOA that my property is out of compliance with the HOA Rules and by-laws, due to the lawn not being cut. I have reason to believe that this is only one problem with their record keeping related to my loan.
They have not properly responded to my previous : Respa Qualified Written Request ; My Complaint and Dispute of Debt ; Validation of Debt ; and Tila Request.
This request, in order to comply with the law and its intent, requires a full accounting of the debt since its inception, not just since Selene Finance LP took over the servicing and its investor acquired the debt.
I will be delivering a new request and will require the full accounting of the debt from its inception, as is my right under the law.
Thank you for your help in this matter, these are significant issues and no further harm to me should be allowed as well as the public needs to be protected from any attempted sale of a property that can not be insured for title or financed.
|
| 08/02/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My XXXX Veteran husband ; XXXX XXXX XXXX recently passed away on XX/XX/XXXX due to serving our country and unknowing was exposed to military toxic and hazardous chemicals that cause him to to suffer from XXXX XXXX XXXX and XXXX XXXX XXXX at the age of XXXX.
Over the past XXXX months, I have made numerous attempts to communicate with Selene Finance . I have followed the guidelines for submitting a Request for Information to Selene Finance regarding an inquiry to my monthly mortgage amount not being reflected properly. In addition, I submitted another Request for Information regarding an inquiry with my property taxes escrow monthly.
I have exhausted all available options or alternatives for Selene to respond to my critical inquiries, as both of them are extremely time sensitive and pertain to measures taken to prevent foreclosure on my home. Therefore, I am submitting in writing my formal request for Selene Finance - Loan Resolutions for Mortgage Assistance.
After 20 years of having XXXX XXXX XXXX my mortgage, I was informed by a XXXX XXXX Representative that my loan was transferred to Selene Finance. Immediately I became concerned, and mentioned to the representative that the XXXX XXXX Home Assistance program and I had worked diligently in completing the final stages of my loan modification by successfully completing the XXXX mandatory trial payments, which took place many months prior to the transferring of my loan to Selene Finance.
The XXXX XXXX Representative assured me that whatever the current status of my loan was in, by law Selene has to honor the same terms and agreement. Therefore, I was expecting my XXXX monthly mortgage payments to resume as agreed upon in the XXXX XXXX Loan Modification terms.
After speaking to a Selene Mortgage Representative, I discovered my Selene mortgage amount does not reflect the same mortgage amount as agreed upon with XXXX XXXX XXXX XXXX terms.
XXXX XXXX XXXX Mortgage - Loan # XXXX Selene Finance - Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX, VA XXXX ; Parcel ID # XXXX.
In addition, I submitted a Request for Information Regarding the Evidence of Improper Billing for XXXX XXXX Property Taxes - Submitted " Request Information '' for Selene Financial Mortgage Calculation ; Account # XXXX - On XX/XX/XXXX, I submitted " Request for Information '' for Selene Financial Escrow Analysis for Account # XXXX ; years XXXX, XXXX and XXXX.
- On XX/XX/XXXX. I submitted on XX/XX/XXXX, to Selene Financial a letter dated XX/XX/XXXX from the County of XXXX XXXX XXXX -- -- -- - Exemptions from the County of XXXX XXXX XXXX XXXX regarding property is " Exempt - Information was faxed on XX/XX/XXXX - On XX/XX/XXXX, I submitted to the Selene Tax Department a request to recalculate my escrow to reflect XXXX property taxes to be paid by XXXX XXXX due to being " Exempt ''.
- The following information was sent on XX/XX/XXXX, Letter with faxed to Selene - Tax Department with following ; a ) The County of XXXX letter dated XX/XX/XXXX regarding Property Tax Exemption ; effective XX/XX/XXXX b ) Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as 100 % Totally and Permanently Service Connected XXXX Veteran c ) XXXX XXXX Final Escrow Statement as of XX/XX/XXXX d ) Real Estate Settlement Procedures Act, RESPA Regulation X, Sections 1024.35 and 1024.36 e ) Illegal Foreclosure Action that took place for the sale of my home on XX/XX/XXXX XXXX
|
| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I started trying to choose an offer from servicer ( XXXX XXXX XXXX ). I believe the investor to be XXXX. Mid way through the process it was switched to ( Selene Finance ), the current servicer. It took weeks to continue the process due to slow transfer of information.
The house was listed for sale with no result. The potential purchasers could not finance it with a bank as the house has a section that needs to be torn down. Cash borrowers remain and are still interested, but the offers were NOT what they feel it's worth. My Realtor was no longer interested in listing it.
A short sale with a cash buyer seemed to be the only option. There was a cash offer, written and rewritten to have it responded to. I then got instructions to list it again and provide other documents necessary for short sale. We have a " low '' accepted cash offer and another verbal interested party for more than the {$50000.00}.
It came to me that my ex-husband was on the Mortgage. We had been divorced for over 10 years. He had deeded the property to me. I thought I needed to try to get him off the Mortgage and was advised by the servicer ( Selene Finance ) how to handle this.
From there everything went downhill. Each person I spoke with gave me completely different answers on how to go forward.
Examples of " some '' of the conflicting information from Selene : I COULD do a loan assumption even with my poor credit. I could NOT do an assumption with poor credit. Getting my ex-husband off will be no problem. He does not have to assist with paperwork. He does have to fill out paperwork.
I sent the email for the assumption on XXXX. Time went by and no response. Upon calling I don't know how many times, I found out they had not received it so I emailed again on XXXX. With follow up calls, I found they had noted receiving it on XXXX. I was told to check on completion and that it takes around 30 days.
I checked around that time and still nothing. I continued to call when I reached a rep ( XXXX ). He was very kind and helpful. ( I think ). He said I could ask for him when I called as everyone had been providing me with different answers. It was extremely stressful. I had found out the Foreclosure date had been set. for XXXX. I wondered " why now '' when I was so far into the assumption. XXXX said it was part of the process and I could extend the date if necessary.
When a rep answered my next call, she would NOT transfer me to XXXX and also let me know that any process I started had to have begun at least 37 days before the sale date and many other things. It started long before that. I asked to speak with a supervisor at some point. I was told I would receive a call back, but that did not happen. I also asked her for the investor contact information. She said it was NOT law and they did not have to provide it. I tried on my own and got nowhere. I just want the FACTS.
I can file bankruptcy, but my ex-husband can't. He can't contribute anything toward this Mortgage. I can't walk away without hurting him in some way. Now I am at a standstill, knowing no matter what I do, it may very well be wrong. I can't afford an attorney, but shouldn't need one if I just got the right information.
There is so much more... I write this today just in case there have been other complaints about Selene Finance.
|
| 05/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We have been trying since XXXX of 2021 to refinance the mortgage on a house that we own at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. We feel that Selene Finance which is the mortgage servicer has been impeding our ability to refinance the property. First we are paying 15 % interest so it appears that they are trying to block the refinance. First, when they send a pay off later it states, " our records indicate the above referenced mortgage ( s ) is/are either in bankruptcy or has/have received a discharge in bankruptcy. ) This is misleading information and brings up a red flag to lender 's who we try to refinance with. We are not in bankruptcy nor have we filed for bankruptcy. No bankruptcy appears on our credit report. We had to get Selene to issue a letter refuting their claim.
We initially tried to get a loan with XXXX XXXX in which our credit scores where at around XXXX. We spent over {$1700.00} updating information about our p & l and on the appraisal fees. After much frustration trying to get the loan and communicate with Selene we gave up.
Selene force place coverage on the house for insurance and we were notified that if we purchased our own insurance that the forces placed coverage would be removed. We purchased the insurance and fax as well as email the information to them. They ignored it. Then began, to create an escrow. I have proof the the insurance information was emailed and faxed to them in a timely manner. The mortgage payment went from {$760.00} to or {$1300.00} per month. My brother-in-law who is on a fixed payment and also on the mortgage pays the mortgage each month is unable to pay that kind of money. We pay the taxes and the insurance and paid both in full before they raised his mortgage payments.. Selene made an error and it still has not been corrected. The have reported that payment are late in the credit bureau when payment have been made on time since XX/XX/2021. There have been no late payments, the {$760.00} has been paid on time.
We again tried to refinance the property with XXXX XXXX. They just issued us a notice of denial today stating " Unacceptable payment record on a previous mortgage ''. Again we spent money on an appraisal around {$600.00}. We were denied because Selene is showing 90 days late in the credit bureau. and has been delaying clearing up this issue. In the credit bureau all my bills are paid on time Selene is the only thing that show delinquent. Now because the credit score have gone down to the low XXXX mortgage lenders will charge me a higher amount to obtain a mortgage to refinance the property..
I have put my request in writing to Selene Finance. First, remove the escrow and re store the payment back to {$760.00} per month. Second, correct the information that they have been reporting in the credit bureau so our credit scores can be restore.
Most lenders are concerned mainly about getting their money and would welcome getting the property refinance so they can get their money. Selene Finance seems to be holder people hostage so they can keep the mortgage because they are getting 15 % interest. Online their have been many complaints against the company. I can not attempt another refinance until they clear up the problem. I would also like the to reimburse me money spent while trying the refinance the property.
|
| 07/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
About 4 years ago, I lost my job and had to took a major pay decrease to quickly get another job, to make ends meet. I reached out to my mortgage company ( Selene Finance ), for assistance and applied for a loan modification. The loan modification was approved and trial plan was put in place. I had few questions about the modification they approved me for and I continually called and wrote the mortgage company about my questions in regards to the rate, term, and an additional {$50000.00} to {$70000.00} that was added on to my balance. However, in the meantime I was making the payments indicated in the plan. No one ever answered my questions, and this went on for about a year. I never missed a payment within that year. After a year, I was no longer allowed to make payments, UNLESS I paid the arrearage in full ( which at the time was about {$20000.00} ). If I didn't pay the arrearage, I couldn't make any payments at all. This lasted a few months before XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The medical bills and funeral bills were outrageous. This was all explained to my mortgage company. They advised me to apply for a modification again. It's been about 2 years now. I have applied for a mortgage modification " 6 '' times within this 2 year span. Within these two years, I lost my job again, I was never allowed to make any payments, and now the arrearage has grown to over {$70000.00}. I had to pay XXXX hundreds of dollars to fax the mortgage company hundreds of pages of documents to support my income and assets for a loan modification that was never even reviewed properly. They kept trying to do a loan repayment plan and not a modification. They wanted me to pay {$20000.00} upfront and {$4000.00} to {$5000.00} a month and I had no job, was collecting unemployment, and collecting government aid for food. There was no way I could afford that, and they never allowed me to make the regular payments. They lost our modification paperwork several times, and gave us the run-around for 2 years. Now, two weeks ago, without any notice AT ALL. I get a foreclosure notice stuck on my door, a foreclosure letter in the mail, and thousands of letters from attorneys stating that it is public record that my house was in foreclosure. The last time I spoke with Selene, I was still awaiting approval for a loan modification. I called and spoke with two different people just a week and two weeks before the foreclosure notice, and no one informed me that my home was in foreclosure. To this day, I haven't received a denial letter for my loan modification, and I was never provided a foreclosure " intent letter ''. Now that they have paid an attorney to do a foreclosure, they won't help us at all. I have reached out to them for over two years and begged to keep paying them monthly, and begged for help. They had us send our documentation in 6 times, only to foreclose on us without any notification and no denial to our modification in writing. I know this is not fair, but is this legal?
|
| 01/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene Finance LLC purchased my Mortgage XXXX XXXX in XX/XX/XXXX. I had gone through a Trial Modification from XX/XX/XXXX to XX/XX/XXXX and finalized the Modification Agreement in XX/XX/XXXX by executing a Modification Agreement with Community Loan Servicing and returning the document via XXXX XXXX. The Modification Agreement was returned to XXXX XXXX XXXX post marked on time, the XXXX of XX/XX/XXXX. XXXX XXXX XXXX sold my servicing to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I began calling Right Path right away as I was concerned about my agreement being recorded and executed by the servicer during the transition of my loan to a new servicer. I was told, on XX/XX/XXXX, by XXXX XXXX XXXX XXXX, that they were honoring my agreement as the law requires them to do. I continued to make my loan payments with them without issues. In XX/XX/XXXX, I attempted to make a payment and my account was locked. I received a letter stating my modification trial was denied. WHAT? I already signed a Modification Agreement, completed a trial period and was approved. I began calling and requesting answers and they stated there was an error and the XX/XX/XXXX XXXX had to be honored.
It was then sold to Selene Finance LLC, immediately in XX/XX/XXXX. I began to call XXXX on XX/XX/XXXX and they refused to take my payments stating they didn't have the loan yet, although my paperwork stated I could make payments to them beginning XX/XX/XXXX. I called Right Path and they could not take a payment because they no longer had my mortgage. My mortgage was in the air and no one was taking my payments. I continues to call during the month of XXXX without any luck. They continued to state they could not take a payment because my file was not in the system yet. I filled a complaint with the CFPB. They came back and stated my modification was denied per the letter in XX/XX/XXXX. I tried to discuss this with them and explain. They stated that the issue is not that it was not mailed on time, but that XXXX XXXX XXXX failed to execute and record the Modification Agreement, there for they did not have to honor it. They stated that if they had been the first servicer to purchase the loan from XXXX then they would be required to fix it, but since they are the third in line, they are not obligated to do so. They sent me a new application for another modification at XXXX %, and now it is not a streamline modification like I had before or the XXXX XXXX XXXXXXXX XXXX like I signed for on my Modification Agreement. I am hiring an attorney to file a lawsuit against the XXXX Servicers, XXXX XXXX XXXX, Right Path and Selene for not honoring the Modification Agreement dated XX/XX/XXXX, deceptive debt collection practices and a violation of RESPA.
The CFPB warned Servicers in XXXX against this very practice, that consumers should not suffer issues due to loans being sold in the middle of a modification agreements. That all documents must be honored, and transition seamlessly between servicers and not cause a customer to go into foreclosure and or default because of loan servicing being sold and documents being lost or and not honored. This practice sets the customer up for failure and it affects communities and property values. This practice must stop. It is in violation of federal and state laws.
|
| 11/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX was the court date for the order of reference and I as told I did not have to be there as per XXXX XXXX of XXXX XXXX as this foreclosure motion was outside the settlement conference. XXXX XXXX stated that I needed to keep working with XXXX, a housing council, to see if there was anything I could work out do to modify the loan. I had an over the phone conference with XXXX XXXX, housing counselor of XXXX ( XXXX ext XXXX ) on XX/XX/XXXX in which I had previously filled out and sent my application packet her with the authorizations to file a loan modification. She filed the loan modification with Selene Financial prior to the court date of XX/XX/XXXX. Selene did not notify their attorney that I had applied for a loan modification and that the court date should have been postponed until the loan modification was completed and processed. Selene Financial spoke with XXXX a few times before the XX/XX/XXXX date. The Judge proceeded to grant Selene the right to proceed with the foreclosure and schedule a sale date because he was not aware the I had applied for a loan modification. In the meantime, XXXX from XXXX contacted Selene Financial after the court approved the procession, only to be told my Selene that they could not talk to her unless she had the information of a secondary address that was an obsolete address of my ex-husbands from 8 years ago. I asked XXXX, previously and now Selene as the new servicer, several times including twice when I had my real estate agent present and she can testify to that, to correct the address and send the information to me as I have always lived at XXXX XXXX XXXX since we purchased the home in XXXX. For some reason, Selene has discriminated against me even though I am listed on the mortgage and title, will not send me any of the information about my mortgage at my home address. After XXXX called back with the obsolete address even though she had talked to them several times without it, she was told that my loan modification was denied, the denial sent to the obsolete address, and that my sale date was scheduled for XX/XX/XXXX. I have received nothing in regards to a court order, the loan modification, other than that my divorce attorney received the judges order from XX/XX/XXXX that I had 90 days. XXXX, the housing counselor from XXXX, explained that Selene was in direct violation of the law. So I am filing a complaint. My financial situation has changed as my divorce has been agreed and signed XX/XX/XXXX and waiting the judges signature. My alimony payments are $ XXXX week, my spouse has quitclaimed the home to me, he has also agreed to pay the home equity loan unless the home is foreclosed on, therefore, leaving me only responsible for the mortgage of {$33000.00} plus any unpaid interest and taxes, foreclosure cost, etc leaving an estimated balance of approximately {$62000.00} which spread over 30 years even though I only owe 10 years would make my payments affordable. I am seeking an affordable loan modification and have notified XXXX of XXXX XX/XX/XXXX that I wish to reapply, that I have filed a complaint with the CFPB, and that I have currently listed my home for sale so that, worse case scenario, I will still be able to get some equity in the home even though my goal is to stay in the home.
|
| 03/16/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX my wife and I signed a loan modification with Selene Finance on our Connecticut home, part of which was an ACH monthly withdrawal of the mortgage payments in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, we did not see the mortgage payment deducted we called and spoke to a XXXX XXXX, He told us the ACH withdrawal paperwork had not cleared processing and recommended a onetime debit of XXXX ( the actual payment amount ) the account which we did.
The next day both the debit of XXXX and the ACH of XXXX were deducted my bank account and overdrew everything else pending.
I was very angry, and I called the finance company. I spoke with XXXX and emailed her a copy of the statement showing the double payment. Because it was XXXX error she refunded XXXX back to us.
XX/XX/XXXX we received a statement from Selene Finance stating we owed them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted them and questioned this.
A review was conducted, and we were told that the refunded payment was showing as a missed payment and would be corrected.
XX/XX/XXXX my wife was denied credit for much needed dental work based on a credit report stating we were 6 months behind in our mortgage. I filed a dispute with the reporting agencies, and a letter of complaint with Selene Finance.
XX/XX/XXXX, after receiving a handwritten note to contact Selene Finance I spoke with XXXX who advised me she was the sole contact for this account. She said the XXXX funds were refunded twice. XX/XX/XXXX and XX/XX/XXXX. I again sent her a copy of our XXXX Bank Statement showing no such payment on or around XX/XX/XXXX.
She contacted us, stating she was having the account credited to properly reflect the error and this would retroactively correct the credit reporting. She stated she also spoke with credit karma on our behalf.
On or about XXXX XXXX I contacted Selene Finance I was told XXXX was not available but a letter answering our complaint was written and mailed to us. As of this email we have not received any such letter.
I called and spoke to XXXX who advised me the account is reporting delinquent because in XXXX the account refused the payment as insufficient Funds.
I have the documentation to support my claim, and the number of payments i made to selene.
I am extremely frustrated as this not only jeopardizes my home, but it is negatively impacting my credit rating. Because it is reporting behind, they keep sending out inspectors and charging us bogus fees for inspections, reviews etc The proper crediting of payments was never resolved as we would call and get the same response. We hired a credit repair company but that failed to correct the problem.
In XX/XX/XXXX were notified that effective XXXX XXXX XXXX XXXX XXXX was now handling our mortgage, when I called XXXX to setup ACH withdrawal with them I was advised my balance was XXXX. I was in shock and was advised my last mortgage payment was made in XX/XX/XXXX and there were many late fees accrued.
I dont know why Selene stopped the ACH withdrawals and I am now being forced to reapply for refinancing my mortgage through XXXX.
I believe what is being done to is is disingenuous and unethical.
After dealing with this for almost 4 years i wish to file a complaint.
|
| 01/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
CFPB customer support team, Thanks in advance for taking the time to help with my case. My mortgage was transferred from XXXX to a third party service provider called Selenian Finance. During this transfer, my mortgage terms were changed without my approval. As a result, I had to pay ~ XXXX XXXX out of pocket that I was planning to pay over 30 years.
Here 's a summary of events 1 ) I started a 30 year mortgage with XXXX in XXXX XXXX ( Loan number XXXX ) XXXX ) As a result of financial difficulties during XXXX, I applied for a restructuring plan, which would keep the same maturity on the mortgage and increase by monthly payments to make up for the missed payments during the forbearance. In XXXX XXXX, we agreed on a loan repayment plan. I sent XXXX a signed and notarized agreement. I currently don't have access to the signed versions of this document as I've sent it. However you will see from the cover page that my monthly payments were increased from ~ {$6100.00} to {$6300.00}. Please check attached docs.
3 ) I made a payment in the amount of the new monthly payment amount at the end of XXXXXXXX XXXX and I had initiated autopayment of my mortgage. In XX/XX/XXXXXXXX XXXX and currently I have enough money in my XXXX account to pay for the monthly installments.
4 ) I was out of the country due to immigration related complications between XX/XX/XXXXXXXX XXXX XXXX After signing this and before leaving the country in XXXX, I was not given any notifications about the status of my loan. I was just forwarded all the mail I received from you over the last few months. I hadn't received any communication that since I was away.
XXXX ) I see that on a statement from XXXX on XX/XX/XXXX ( please see attached ) my loan has been delinquent since XX/XX/XXXXXXXX XXXX ( more than a year before the forbearance agreement ) and my payments between XXXX XXXX XXXX XXXX XXXX were {$6100.00} instead of {$6300.00} as it was listed in the forbearance agreement 6 ) In XXXX XXXX XXXX transferred my loan to Selene Finance, however the transferred loan was the initial loan I got, not the updated loan agreement following the forbearance agreement, which was signed and notarized by me. XXXX had no way to verify or rectify this as they can only see documents they have received by XXXX. The customer representation at XXXX also mentioned that XXXX will have no way of looking into this anymore. I have a letter from XXXX dating XX/XX/XXXXXXXX that informs me of the loan service transfer and mentions my loan forbearance agreement was sent to Selenian Finance, the new loan servicer ( see attached ).
6 ) Selene Finance had also no way of looking at the forbearance agreement. I had to pay ~ XXXX XXXX to Selene Finance, in order to ensure that my apartment is not foreclosed. Of this amount, I believe XXXX XXXX would have been restructured over 30 years at less than 3 % based on my forbearance agreement with XXXX 7 ) My loan is currently fully paid, however I believe I was unfairly forced to pay XXXX XXXX upfront rather than paying it over 30 years. I would like a deposit from Selene Finance and have my mortgage terms be updated to represent the forbearance agreement I signed with XXXX in XX/XX/XXXX XXXX
Thank you and looking forward to hearing from you!
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was divorced in XXXX. My husband was awarded the primary residence and was supposed to refinance the joint debt. He failed to do so and also failed to keep the loan current. XXXX XXXX filed a foreclosure action in XXXX of XXXX. I offered a deed-in-lieu of foreclosure to XXXX XXXX at that time as I have a power of attorney to convey the property. They refused to accept the offer. The co-borrower did not respond to the foreclosure request ; therefore, it was not contested, and should have resulted in a summary judgment in XXXX.
Instead of filing for a summary judgment, XXXX XXXX requested stays on seven occasions, while continuing to report the delinquency to credit for almost five years. The reason was stated as on-going loss mitigation and a possible forbearance agreement. A forbearance request has to be made by both borrowers, and I have never requested the forbearance that continued to delay the process. The co-borrower also never completed the requirements for such a request making the stays wholly unnecessary. In the past five years the co-borrower has only made 5 payments so the loan history indicates no serious attempts on his part to resolve the delinquency. Instead hes been enjoying a mortgage free home for over 5 years.
The case has now been resolved, as I entered into a stipulated judgment in return from release of deficiency liability in XXXX of XXXX. A Joint Motion for Entry of Stipulated Judgment and Decree of Foreclosure, Waiver of Deficiency, and Shortened Redemption Period was filed with the court on XX/XX/XXXX. As the court accepted this stipulation and XXXX XXXX agreed to waive any deficiency, late payments should no longer be reported to credit for me. XXXX XXXX also failed to sell the home in XXXX when the judgment became final, and instead sold the loan to Selene in XXXX of XXXX. I only found out about the transfer from a court filing to change the plaintiff as no notices were sent to me. The new servicer has also failed to sell the home, and has requested continued stays to the process.
In XXXX, Selene reported the loan as a new loan to credit rather than a transfer, resulting in my bureau showing two delinquent loans rather than one, and they also reported an incorrect date of first delinquency. Finally, they reported the loan as past due, even though it is well past the foreclosure and I was released from deficiency via the aforementioned court filings. This loan should not have been reported to credit for me at all by Selene.
I called Selene on XX/XX/XXXX and was told they had no documents showing the court approved agreement made with XXXX XXXX. They requested that I email them the documents, which I did on XX/XX/XXXX. On XX/XX/XXXX I called and left a message, and received no call back. On XX/XX/XXXX I called again as I had received no response to the original email, a follow up email or the phone call. The representative told me they misfiled the documents and tagged them as not needing a response. Given the time passed, I requested an expedited response and was promised a call within three days. It is now XX/XX/XXXX, and there has been no response. As 21 days has passed with no response from the servicer on the request to correct credit reporting, I am filing this complaint.
|
| 03/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
SUMMARY OF THE EXISTING TRANSACTION AND NEGOTIATIONS 1. Original Negotiations and the {$250000.00} ( {$250000.00} ) " NET '' Demand ; 2. Recent high Cash Offer of approximately {$120000.00} ; 3. The two subsequent Licensed Inspection Reports ( Mold and Home Inspection Reports ) ; 4. The additional costs that were discovered including, but not limited to, Multiple Foundation Failures, Galvanized Plumbing Replacement, Mold Mitigation ( plus R & R walls, paint, & trim ) of {$72000.00} plus, from the Licensed Mold Mitigation Report & Licensed Home Inspection Report ; 5. SELENE most recent Demand of {$220000.00} NET from Selene with this new Buyer knowing that ; 6. The Market has completed rejected {$180000.00} NET to SELENE with the property being in MLS for in excess of the last two months, with the latest price in MLS of {$210000.00} which would only net SELENE an amount of no more than {$180000.00}.
7. What SELENE is on effect demanding is a NET to SELENE of {$220000.00} that exceeds the amount of {$180000.00}, which the market though MLS has already thoroughly rejected. The REALISTIC NET is much closer to {$100000.00}.
The Lender SELENE had previously obtained a BPO that had a probable Quick Sale of {$230000.00} ; but this BPO completely failed to include two ( 2 ) improvements that were completed illegally without the required permits. The Low Bid General Contractor has priced the Removal of all these Illegal Improvements, obtain the required inspections form the proper governmental authorities, and then Replace and finish with sheetrock, paint and trim to previous finish level at {$25000.00}. The BPO Agents Estimate of Repair Costs was at {$38000.00}. The low bid General Contractor was originally at {$110000.00}. There was originally a {$75000.00} difference in construction costs which would have a downward pressure on the extremely inflated {$230000.00} Valuation. Since THE ORIGINAL BPO, there has been two ( 2 ) more Licensed Inspections ( Mold Mitigation Report and Home Inspection Report ) that have confirmed that the actual difference is no longer {$75000.00}, but the difference is actually in excess of {$140000.00} in Construction Costs. This difference was caused by newly discovered deficiencies, including but not limited to Foundation Failures, Required Replacement of the entire plumbing system ( existing system is galvanized steel with multiple leaks ), Required Mold Mitigation together with the R & R of sheetrock, paint and trim, and the R & R of the unpermitted illegal improvements. These items alone caused the cost of construction to rise by {$72000.00} from the original General Contractor Low Bid for the Construction Costs. The revised General Contractor Construction Costs are now coming in at {$170000.00}. You have to remove the BPO Agents original estimate of costs at {$38000.00}, which still leaves a remaining {$130000.00} that must be deducted from the Quick Sale Value from the Lenders own BPO Valuation of {$230000.00}. This leaves a NET Value of approximately {$99000.00}. We have a all Cash Offer in to Selene at {$120000.00}. The existing offer is extremely generous to SELENE, and Selenes continuing refusal to negotiate in good faith, is going to cause an unnecessary foreclosure.
|
| 10/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
The reason for this complaint is due to the mishandling of my file.. Selene Finance is stating that I do NOT have a sale date but the foreclosure attorney is stating I do have. I have contacting the IL HUD agencies and NO ONE has ever retuned my call. Not once. I have reached out to Selene for assistance and have been ignored. Prior to being transferred to Selene I was working with my prior servicer XXXX XXXX and now I am advised that nothing has been transferred over. How was my lender working with me and now SELENE IS not just because I was transferred to them. How is there such a huge miscommunication on regarding my sale. Selene Finance is dual tracking.
I have called in and asked about HAF as per their website You may be eligible for Homeowner Assistance Funds ( HAF ) - I WAS XXXX XXXX XXXX XXXX AND HAD AND CONTINUE TO HAVE NUMEROUS HEALTH ISSUES. My mental capacity has also been compromised.
The HAF program was established to mitigate financial hardships associated with the COVID-19 pandemic by providing funds to eligible entities for, among other things, to assist with homeowner mortgage delinquencies, defaults, and foreclosures. If you are a homeowner experiencing financial hardship after XX/XX/2020, you may be eligible for assistance with certain expenses related to your mortgage.
States are still developing their programs with the Treasury Department at this time but we encourage you to reach out to your state for additional information. Please visit Homeowner Assistance Fund NCSHA, which provides an interactive state map, for further information on your states HAF program.
But have been told that this is not longer available to the public. So why is this even on their website.
HUD housing counseling : The Department of Housing and Urban Development ( HUD ) offers free referrals to approved housing counseling agencies and their services, please call ( XXXX ) XXXX on weekdays between XXXX XXXX and XXXX XXXX ET ( XXXXXXXX XXXX to XXXX XXXX PT ). You can also get an automated referral to the three HUD-approved housing counseling agencies located closest to you by calling ( XXXX ) XXXX.
I have contacted the nearest agencies with no response. Housing Counseling Locations Search Results ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois I have done everything in my power to save my home and I am getting no where and it is blatantly obvious that Selene finance is wanting nothing more than to take my home. To top it off, I also had an attorney who filed an incredible amount of bankruptcies on my behalf and scammed me out of money. I need Selene finance to be held accountable for their dismissal of me and my situation. I have been taken advantage of by numerous parties..
|
| 08/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to work out a loan modification or some sort of home retention options with a Selene Finance for the last three years. I fell past due on XX/XX/XXXX. When I was diagnosed with XXXX and had to take time off from work during this time and eventually was let go from my position. During this time, I used up all my reserves and money I had in savings trying to keep food on the table and keep the lights on. I reached out to Selene finance during this time to seek options, but they told me that there was nothing that they can do and that I had to repay back the amount that was due, or they would foreclose. Then by the time I was able to go back to work XXXX of XXXX hit and once again I was unemployed due to COVID. It took me several months to finally land a part time not paying as much. But it was enough to apply for assistance just to get denied again. Each time I applied Selene Finance Would lose my application or documents and would not communicate with me until I received the letter denial, but they would never specify the reason. Selene Finance has not tried to work with me the most recent time They wanted me to put {$8000.00} down. We feel that we were attentionally place between a rock and a hard place because they knew during this hardship we would not have this type of money and are more interested in the equity of my home, they also had a foreclosure sale date while this offered me plan and again Against us each time we've applied for modification assistance, we've told them numerous times about dual tracking, they disregarded and said they were allowed to do this. We submitted for our modification on XX/XX/XXXX, we submitted all documents that were requesting 2- months bank statements, 30 days of pay stubs, 2 years of income tax, a utility bill, hardship letter, MA Form , 4506-t, financial worksheet and they still denied the modification stating the file was incomplete and that they did not have enough time to review it before the sale date of XX/XX/XXXX. We have proof and confirmation that they've indeed received the fax but are refusing to assist us. Now we have a sale date for XXXX the XXXX XXXX, and they're not allowing us any options, only to come up and reinstate the amount of {$18000.00} all we are asking for is to be allowed to be reviewed for a loan modification. We currently have an 8 % interest rate on a single-family residence. The investor on the loan is XXXX XXXX XXXX. With such a high interest rate I feel that we should have been allowed to be into a lower interest rate Being that we were set up on a predatory loan. Each time weve applied we have never been assigned a single point of contact to be in touch with and let us know the process of our modification. We have requested numerous times for a manager to call us back so we can escalate this and get our file properly reviewed, but we've never got a call back. we feel that this lender Selene Finance are responsible for negligence and Failure to perform on the Loss Mitigation and Dual Tracking of Foreclosure the entire length of the loan modification process. We've asked a Selene to send us the denial letters, but they refused.
|
| 04/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My home loan was transferred to Selene Finance effective XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX to confirm Selene would pay my property taxes ( I have an escrow account ) due XX/XX/XXXX. He asked me to email a copy of the property tax bill to Selene, which I did same day. He advised that Selene would pay the tax bill, and if they didnt do it next day XXXX XX/XX/XXXX XXXX, they had up to 60 days to pay it because they had just assumed my loan.
On XX/XX/XXXX, Selene refunded me {$4800.00} from an escrow surplus. I confirmed my property taxes ( {$3600.00} XXXX had not been paid that were due XX/XX/XXXX - and now the County of XXXX XXXX assessed a late penalty, bringing the total to {$4000.00}. On XX/XX/XXXX, I called and emailed Selene Finance to determine the status of my property tax payments. I received a letter on XX/XX/XXXX indicating they received my correspondence and would respond within 30 business days. On XX/XX/XXXX, I received an email with a PDF letter XXXX Attachment 1 ) from Selene indicating Selene began servicing my mortgage account as of XX/XX/XXXX and that my inquiry had been submitted to the Selene Tax Department for further review regarding the XXXX tax payments due : " Upon completion, and if applicable, the disbursement will be made to satisfy the installments due. '' My mortgage statement dated XX/XX/XXXX reflected {$4300.00} in my escrow account - it was now insufficient to cover the XX/XX/XXXX and the XX/XX/XXXX payments because Selene incorrectly assessed my escrow surplus and refunded me {$4800.00} in XXXX. I called Selene in XXXX and spoke to a representative in the Tax Department that confirmed my XX/XX/XXXX and XX/XX/XXXX tax payments would be effectuated XX/XX/XXXX and that the late fees would be covered by Selene, which also planned to subrogate my former mortgage servicer to recoup their costs. She also confirmed, thereafter, that I could make a one-time payment to pad my escrow account because they had incorrectly over-refunded me in XXXX. As of today, Selene has still not paid my XX/XX/XXXX tax payments. And, unfortunately, Selene has over-debited my escrow account for multiple tax payments that have not been made.
Selene records indicate it paid taxes on my behalf on XX/XX/XXXX for {$3600.00} Selene records indicate it paid taxes on my behalf on XX/XX/XXXX for {$7200.00} Based on the amounts listed above, Selene paid from my account 3 sets of tax payments at {$3600.00} each, without paying the penalty. This is documented in Attachment 2 - p.1 ).
Desired outcome : Selene confirms when it has paid the XX/XX/XXXX tax bill of XXXX ( Attachment 3 - printed XX/XX/XXXX ).
Selene corrects its books and my account ( Attachment 2 - p.1 ) : Selene needs to cover any late fees owed for late tax payments ( per the Treasurer, this is {$360.00} for the XX/XX/XXXX taxes and {$360.00} for the XX/XX/XXXX taxes. Selene then needs to credit my escrow account to show only 2 sets of taxes XXXX grand total of {$7200.00} XXXX was debited from my funds, directly. Once this is done, I will pay the additional funds to my escrow account that they incorrectly refunded me in XXXX.
|
| 09/25/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I initially had a mortgage with XXXX XXXX, but due to a loss of employment due to the COVID-19 I was unable to remain up to date on my HELOC, and my Loan was given to Selene Finance . I applied and received funds from the North Carolina 's Homeowners Assistance Fund ( NCHAF ) in order to bring my loan recurrent in XXXX of this year. {$40000.00} was given from this fund, as well as {$12000.00} of personal funds in order to bring the loan reinstated. NCHAF in XXXX and Selene added it to my account partially on XX/XX/XXXX and fully added on XX/XX/XXXX totalling {$52000.00}.
On XX/XX/XXXX payment was given to Selene Finance for the amount of {$1200.00} ( noted in the attached Bank Statement Document ). We reached out to Selene Finance as when I checked my account the next day it still stated that the {$1200.00} was one day late. A representative from Selene Finance assured us that the payment would be updated by the end of the week. Despite this on XX/XX/XXXX a false late charge in the amount of {$27.00} was charged to my account. I called several times during the month of XXXX and they assured me that the late charge would be removed and it would take just a couple of days to update. Instead, these funds were added to my " suspense account ''. I was also told by a representative of Selene that there were extra funds within my Suspense account due to the loan reinstatement and I would be able to add these funds for my XX/XX/XXXX payment, as my suspense balance amount was {$2500.00}, which is more than enough for the XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a representative on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, regarding this matter who all assured me that the funds would shortly be posted.
However, these funds have still yet to be updated. On XX/XX/XXXX the payment was removed from suspense, showing a mortgage payment of {$2500.00}. However, my account still displays that the XX/XX/XXXX payment of {$1200.00} is now 55 days overdue as of ( XX/XX/XXXX ). With an additional late charge of {$27.00} on XX/XX/XXXX.
It is also worth mentioning that there are foreclosure fees on my account reflected in the billing statement, however, I was told that these payments can be made in smaller increments monthly by a representative from Selene on XX/XX/XXXX.
The company is charging late fees that are false thus burning through leftover funds using late fees reducing the amount they are meant to apply to the principal. Due to the fact that they are applying fraudulent late fees to my account, I feel a more thorough investigation of this collection agency and how they receive and credit Covid funds that are bestowed on Americans hit hard by the Covid crisis. I would greatly appreciate your consideration in assisting me with this matter as quickly as possible as this Company 's suspicious behavior and sending of invoices to me with information that is both incorrect and wording that is threatening and meant to intimidate reflecting a false amount of money that they insist is past due, racking up late chargers. Please find the attached documentation pertaining to my dealings with Selene thus far.
|
| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX, and my loan is being serviced with Selene Finance as listed above. Please be advised that I refinanced my home via cash-out refinance through XXXX Mortgage in XXXX.
My loan was eventually sold to Selene Finance in XX/XX/XXXX from XXXX XXXX. As part of my original loan with XXXX XXXX, I elected to waive the escrow requirement and elected to pay taxes and insurance out of pocket, which I had been doing since XXXX, long before the cash-out refinance with XXXX XXXX XXXX
In XXXX of XXXX, Selene Finance illegally, without my knowledge or authorization, created an escrow account and charged me monthly escrow charges amounting to {$1300.00} for taxes and insurance monthly. Once receiving the mortgage statement dated XX/XX/XXXX in the mail demanding the new total of {$2900.00}, I immediately called to advise them that I already paid insurance for the year and that I pay taxes annually out of pocket.
Selene Finance ignored my request and has continued to illegally charge escrow funds. In order to avoid getting into arrears with my account, I paid the monthly payment. To date, despite multiple calls, and providing them with the documentation to stop the escrow payments ( which Selene advised me to do ), Selene continues to charge {$1300.00} in escrow paymentstotaling to be {$2900.00}.
Additionally, Selene representatives have repeatedly given us contradictory information. After I sent proof of coverage to Selene, they have claimed the following : to cancel the fire coverage on XX/XX/XXXX via letter, dated XX/XX/XXXX ( as you will see in the attached documentation ), to have refunded over {$10000.00} in escrow funds to the loan, which has yet to be reflected on any account balance statement sent to me directly via mail or email ( See Attachment A Letter from Selene ).
On XX/XX/XXXX, I requested to speak with Customer Service, to which I was told I was being transferredbut instead was transferred to loss mitigation, for whatever reason. XXXX in loss mitigation, the representative I spoke with, asked me why do you continue to pay if the amount is incorrect? This among many other comments made by XXXX in this recorded conversation, which he repeatedly mentioned, were inappropriate and irrelevant to my situation. My hopes were to clarify what the payment was for the month of XXXX. Because of the discrepancies in information Ive received since XX/XX/XXXX, I am still unclear on what my monthly mortgage payment is. I was told that the request to rectify the monthly payment was received and would reflect in the next billing cycle, which it still has not, to date.
However, I will pay the {$2900.00}, in addition to the late fee today, in good faith and in hope that Selene will rectify this situation today, by refunding the escrow amount due to me, and reflecting the change in the monthly mortgage bill back to the original total of {$1500.00}.
I hereby request an immediate investigation into fraudulent business practices and demand that Selene send, directly to me, the monies that were illegally charged to the escrow account. See the attached documents for further reference.
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company SELENE FINANCE conspired with prev. servicer XXXX to remove and disappear my Escrow acct upon transfer, Selene Finance is a D+/F rated company and has predatory practices.
They then increased my mortgage by 24.9 % while I reported I was adversely experiencing hardship and have failed to address in any way the missing {$5200.00} escrow.
Meanwhile, I struggled to pay the mgtg as a single homeowner and FT student and with stated reported XXXX hardship. My mgtg was increased after stating hardship later that month to the amount 24,9 % max allowable increase by law : {$2400.00} from {$2000.00}!
Eventually, after almost a year of this I brought the mortgage current in XXXX XXXX.
During this period, they did not update online the amount due, and collected partial amounts which increased adverse reporting for XX/XX/XXXX due to not updating accurate amounts, when paid in XXXX, ( see attached 2 payments in order to get 1 payment to even show ) Stated on phone it didnt matter the partial amount showing and collected. I should have been shown delinquent one month less.
I requested also multiple times for relief this extreme increase, last time was XX/XX/XXXX. It took 10weeks to receive the updated analysis, finally arriving in XXXX. As such recently they did reduced it, but totally failed to timely respond by having gave absolute no notice of action or a response or a new escrow analysis, leaving me uninformed of reduction, to falsely believe I had pay more than was due as a method of intimidation and lack of access.. I requested relief with the escrow analysis onXXXX but they never sent any information and stated no record of my call, which was the day of payment and of which I have paper notes. On XX/XX/XXXX I dictated specific wording requesting assistance, this company refused on XX/XX/XXXX call to read any notes and on XXXX stated not even a call had occurred. Continually erasing and failing consumers with harmful actions. I have just XX/XX/XXXX received the escrow analysis rerequested on XXXX but still yet no update of mortgage status I paid 3 payments and was current as of XX/XX/XXXX but they CONTINUE to falsely report me late more than 60 days as of XX/XX/XXXX I requested again for it to be updated and was refused assistance, customer service rep stating they had no ability to make a work request order for such. This occurred last on XX/XX/XXXX, when they call me on automatic dial. Supposedly my request was submitted but to date XX/XX/XXXX, there is no reflection of a simple request.
I had currently paid over {$6300.00} in less than a week, and yet they still autodial harrassed me as if I am late.
This action illustrates that they are purposefully not updating any information, continually trying to harm the consumer As of today, my credit reports last reporting from them XX/XX/XXXX and they have ignored my requests for accuracy.
XXXX shows the devastating practices of this mortgage service and illustrates why they should be removed from doing business in the U.S. due to their predatory and harmful damaging consumer practices.
|
| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
RE : Selene Finance LLP Account # XXXX For over a year, I have had issues with my mortgage company showing that I have missed two ( 2 ) payments and despite sending them proof to the contrary, they refuse to correct their records. Prior to this complaint, I filed a complaint ( Exhibit A ) with the New Jersey Division of Banking and Insurance ( DOBI ) and it claims not to have jurisdiction. Selene sent a letter to Mr. XXXX at DOBI ( Exhibit B ) which contained information that was inaccurate and on which it had not acted. See my response dated XX/XX/XXXX ( Exhibit C ) which was sent via Certified Mail. Selene responded on XX/XX/XXXX ( Exhibit D ) with what amounted to lip service.
Summary : Late XXXX XXXX XXXX XXXX XXXX ( Acct XXXX ) transferred the mortgage servicing to XXXX XXXX XXXX ( Account Number XXXX ). Effective XX/XX/XXXX XXXX XXXX XXXX transferred the loan to Selene Finance ( Account # XXXX ).
XX/XX/XXXX, since I had a reduction in income and XXXX would not modify my loan, in order to prevent homelessness, I filed for Chapter XXXX with the first payment due the Trustee XX/XX/XXXX, and mortgage payments sent directly to Mortgage Servicer ( XXXX at the time of filing ), also as of XX/XX/XXXX.
Beginning in XX/XX/XXXX, and continuing through the current time, I have sent every monthly payment to XXXX ( XXXX ) then to Selene Finance ( XXXX ) ( Exhibits 1 and 2 ). For unknown reason ( s ), and without authorization or instructions, Selene changed the name and address on the account to the attorney who filed my CHXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Accordingly, I was not receiving statements and Attorney XXXX could find no record of having received statements either. When I contacted Selene Finance, they refused to discuss MY account with me and told me that I would have to have my attorney contact Selene as they could not give ME any information. I then contacted my attorney ( Exhibit # 3 ) and Mr. XXXX XXXX sent Selene two letters, ( XX/XX/XXXX and XX/XX/XXXX ) Exhibits 4 & 5, advising it that it should communicate directly with me and that statements should be sent to me. Each payment that I made through XX/XX/XXXX utilizing a check was accompanied by a letter stating that no statement had been received for XXXX, XXXX, and XX/XX/XXXX.
Resolution Sought : Selene has missed supplying monthly statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Further, I did not receive a statement for the payment that was due XX/XX/XXXX, although the payment was made. That statement should be dated XX/XX/XXXX.
Selenes records still reflect that I have not made two ( 2 ) payments, even though it has been provided proof said payments were made and Selene deposited said checks which were presented to and honored by my bank. It is possible that due to the various transfers between Loan Servicers, something went awry but it is Selenes responsibility to research and resolve these discrepancies.
I would appreciate resolution of these issues in a prompter fashion than Selene has been willing.
Sincerely,
|
| 01/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My two loans with XXXX XXXX were transferred to XXXX XXXX in XXXX. They had both previously been in XXXX related HOLD ( forbearance ), but monthly payments had resumed months ago, and both loans were current as of XX/XX/XXXX. My two complaints are : ( 1 ) .XXXX is erroneously charging me for insurance that has continuously been in place since XXXX and ( 2 ) Selene claims that I am {$38000.00} past due on loans that my previous loan service provider, XXXX XXXX XXXX supposedly placed at the end of both loans. The second problem is my main concern, but both are obviously important. I am attaching proof that insurance has ALWAYS been in place on both loans and the COVERAGE on both condominiums was acceptable to XXXX XXXX.
When I went to make my XX/XX/XXXX payments, you can imagine my astonishment to see my accounts were {$38000.00} past due. That total seems to be what two the Forbearance amounts would equal. An amount that I was assured from XXXX XXXX had been placed at the end of the loans. That procedure, as you know, is commonplace for people coming out of Forbearance. BTW, the primary signature on this loan is my wife who currently has an XXXX XXXX score and is desperately afraid of the credit consequences from not making these {$38000.00} past due payments.
It is virtually impossible to get a XXXX representative to acknowledge this problem. There are no supervisors ever available and the average wait time is 20 minutes. Their on line complaint box will only hold 150 words ( really ) and it is impossible to adequately convey my problem. I have asked for a Supervisor call, but none received.
I assumed that XXXX XXXX, per our ongoing year efforts which included both written and verbal authorizations, had placed the amounts at the end of the loan as promised. Now that they ( XXXX XXXX ) no longer have the loan, discussions about previous commitments and dialogue are no longer available. This is the perfect storm and I swear I do NOT think it is unintentional.
My few dealings with XXXX have been brutal. As mentioned, they forced insurance on both loans although the ONLY time I was notified, I responded immediately with proof of insurance. Whoever is reading this, and I assume skilled in loan processing company practices, please ask yourself what are the odds/chances that both XXXX XXXX loans were sold to XXXX with NO insurance coverage on either property? Also, how could the loan be sold ( XXXX ) WITHOUT proper paperwork? Is this not what got these Loan Service Processing companies in trouble back in XXXX and XXXX? For the record, I am attaching proof of insurance. Although, as you can imagine, this itself is a big problem, my main concern is the {$38000.00} past due that came out of nowhere.
In summation, thank you for giving me enough space to plead my case. It is my honest opinion, that XXXX is the " Dirty Work " processing company that loans are transferred to when there are unanswered questions that have sat too long. XXXX takes a position favoring the Investors and bullies its customers. PLEASE HELP
|
| 07/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage was sold several times. XXXX XXXX XXXX during the housing crisis had to go through the process with me then they sold my loan. It was sold again, and I was with. XXXX XXXX, and then XXXX XXXX XXXX who completely botched the loss mitigation process ( my place of work laid me off before closing its doors ). I complied with all of their requirements within 1-2 days of request ( I have dates and recordings of calls and emails to support my claims ). I repeatedly called them, as they did me as well, however, the agent on a couple of occasions had to correct the record on their end as she saw my documents were in. She told me that shes was just waiting on approval from underwriting. At the time I had a foreclosure date. I understood that that would stay until my loss mitigation paperwork was approved by underwriting. Well, they sold my loan again, and I didnt know until my house was sold at auction. The company that bought my loan was Selene Finance. They did not wait the required number of days after buying the mortgage from XXXX XXXX XXXX, that is required by law, before they sold my house at auction. I didnt know about Selene, until I received a notice in the mail about my mortgage being sold to them, I called and they said they sold it at auction days before. I of course contested, filed complaints, etc. My evidence showing my compliance with their requests, the fact that the Arizona Department of Housing, the various federal regulations in place at the time, werent regarded. I didnt have an attorney, and I believe this is a systemic possibly discriminatory practice of selling off homes of distressed minority, or female homeowners in distress. I would be very interested to see if this is a common practice for mortgage servicers like Selene Finance and XXXX XXXX XXXX, playing the shell game with peoples homes. Telling them that they qualify, running out the clock, and selling the home from under the homeowner. I had just had a {$6000.00} air conditioner put in. Would I do that if XXXX XXXX XXXX had given me ANY indication that my house was still slated for auction. They tell you to ignore that date ( XXXX XXXX XXXX did it tooL but isnt that dual tracking ... also an illegal foreclosure practice? The fact is, my documents and their documents show that they 1. Did not process my paperwork according to federal guidelines ; 2. They did not process my paperwork or give me an answer to my loss mitigation request in a timely manner ( I had offers on my home, but wanted to stay if approved ) ; 3. Pertaining to Selene Finance, they took action ( the auction ) BEFORE waiting the lawfully required number of days after receiving my mortgage ; giving me, the homeowner, an opportunity to enter the loss mitigation process with them, sell, short sell, etc. I want to know what my rights are, and I would like the mortgage companies/servicers held accountable to the law. I know I wont be getting my house back, but there are material damages that if at all possible, I would like addressed.
|
| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My mortgage was transferred from XXXX XXXX ( loan # XXXX ) to Selene Finance on XX/XX/XXXX. At that time, the home was in escrow. XXXX XXXX contacted Selene Finance ( Loan # XXXX ) on multiple occasions in late XXXX and XX/XX/XXXX attempting to get a loan payoff and were rebuffed with the recurring excuse that my loan " was not in their system '' and they were unable to accept payment. We already had a payoff from XXXX but without a demand from Selene, escrow was unable to proceed with the payoff. I finally reached an employee ( XXXX XXXX ) at Selene on XX/XX/XXXX who was able to secure the payoff for us the next day and the loan was paid in full on XX/XX/XXXX. When escrow did finally close, I was forced to pay many extra days of interest and taxes ( approx {$200.00} per day ) because of their refusal to provide a payoff when asked in late XXXX and early XXXX. I was lucky my buyer did not back out of the purchase due to their incompetence and misconduct.
My loan with XXXX was in forbearance at the time the loan was transferred. XXXX rightfully reported my loan as paid as agreed. Selene reported " paid XXXX days late. '' I have contacted Selene Finance on multiple occasions to no avail so I filed a dispute with the credit bureaus which Selene responded to and lied to them saying I was 180 days late. If in fact I was 180 days late, there would have and should have been late fees charged to my account. None were charged because I was not late. My loan was under forbearance when it was transferred and Selene Finance was required to honor that forbearance or in the alternative accept a payoff in a timely manner. They did neither.
Selene Finance only owned my loan for 19 days and spent 18 days of that refusing to take money from myself or escrow. Now they want to claim I was 150 days past due which is an outright lie. They need to correct my credit bureaus as they have dropped my perfect credit score from XXXX to XXXX. This is unacceptable and they do not respond to requests to correct their mistake. The phone number designated for disputes ( XXXX ) is not in service and rings 3 times then hangs up. I am attaching a screen shot from my phone showing multiple attempts to call.
The lowered credit score has caused my business ' credit to be affected thereby choking my business during a pandemic.
I am attaching the following : The original payoff quote I got from XXXX good through XX/XX/XXXX The letter from XXXX saying my loan was being transferred which I received on XX/XX/XXXX An email from my realtor to XXXX XXXX with the letter referenced above attached and response from escrow saying they would need a new demand Emails from escrow from XX/XX/XXXX - XX/XX/XXXX outlining efforts by XXXX XXXX to get a payoff from Selene Finance to no avail.
Text messages with my realtor from XXXX XXXX outlining the scramble to finally get a payoff from XXXX XXXX at Selene Finance the payoff quote and accompanying email I finally got on XX/XX/XXXX 2021
|
| 09/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Dear Sir/Madam, I am reaching out to you because XXXX XXXX XXXX sold my loan to Selene Finance. Over the past 2 years, I have struggled to be consistent with payments and when I have brought my account current, Selene Finance, has found ways to add fees to my account in an attempt to keep me behind on my mortgage. Last year, when I brought my account current they sent me a letter indicating that my account was assessed {$2000.00} in late fees ( some of which I had already paid ), and corporate advance fees which included numerous property inspection fees. I contacted Selene Finance and they indicated that they would investigate the origin of the fees. Needless to say, they never fully explained the resolution but indicated that some of the fees would not be charged. On XX/XX/20, I made a payment which brought my account current and included an extra {$20.00} to be applied to my principal. On XX/XX/20, I received several notifications from the credit bureaus that Selene Finance reported my account late which was not correct. To add insult to injury, Selene Finance assessed me two fees of {$15.00} on XX/XX/20 which I presume were inspection fees. However, it appears they charged me twice to cancel out the monies ( {$20.00} ) to be credited to my principal balance. I sent them a letter last month inquiring why they are conducting inspections several times a month when I have consistently maintained contact with them on a regular basis throughout the past year. They indicated that it's done at the discretion of the service provider. This was odd since I thought Selene Finance is my service provider, however they are quick to state that they are a debt collector. If that is the case, then why is the only correspondence I receive about my mortgage is on Selene Finance letterhead? It is becoming apparent that Selene Finance does not have the consumer 's best interest in mind. It appears they are subjecting customers like myself to questionable practices which are meant to keep them delinquent in being able to make mortgage payments which may allow them to seek refinancing through another lender. I admit that I pay my mortgage towards the end of the month due to my pay schedule which makes it late. However, I asked a Selene Finance Customer Service Rep if they could accept my payments on biweekly basis and they indicated that they could not. I have made a conscientious effort to improve my credit scores so I can obtain financing elsewhere but with Selene Finance submitting a false report of my account being late made my credit score drop at least 20-30 points. I have read similar complaints from other Selene Finance customers and I need to find out who do I need to contact regarding their business practices. Clearly they are not as transparent as they should be at the expense of their customers. Thank you for your assistance with this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
|
| 08/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I was notified via certified mail on XX/XX/XXXX of Selenes intent to foreclose on my house on XX/XX/XXXX. I was told on XX/XX/XXXX that my modification that had been pending approval for over 6 weeks was rejected due to insufficient documentation. The issue with documentation according to Selene modification team via a phone call on XX/XX/XXXX was that the Profit and Loss statement I provided only went to 23 days for the month of XXXX. I corrected the modification person on the phone that on the P & L spreadsheet the 23 represented the year XXXX, just like it was shown in the XXXX thru XXXX columns, standard format for a P & L. I was then told on the same call that it was not rejected due to the 23 days for the month of XXXX, but instead the P & L was not dated and signed. While on the phone with Modification representative, I verified P & L that was sent to Selene on XX/XX/XXXX, signed, and dated, and sent again on XX/XX/XXXX signed and dated. I even printed out the P & L while on the phone it was signed and dated. I was then told often the Selene systems do not recognize digital signatures on PDF. So, after waiting XXXX to seven weeks for modification approval, I am faced with foreclosure again due to a document issue that clearly is of no fault of mine. I find it curious that the issue with the XXXX & XXXX changed on the call with the modification representative from only 23 days for XXXX to document unsigned. I also dont understand how a company can sometimes not see a digital signature on a PDF.
I, as requested again re-submitted my modification package with updated data, 48 hours after being told my modification was rejected. I have been working on a modification since XX/XX/XXXX. The one modification that Selene designed in XXXX was unworkable as noted in several discussions/correspondence with Selene. I submitted several workable suggestions to Selene with each of my modification requests. With HAF and other programs my mortgage could have been close to reconciled by now. Instead, Selene takes the most undesirable route which leads me to believe their interest in getting a resolution is not genuine. As stated, this modification fiasco has been going on for 8 months or more, the whole time Im falling further behind on payments, penalties, and legal charges, which Selene shows no interest in forgiving or reducing the penalties or legal charges.
I once again find myself hoping for a positive resolution to this third modification request. I am including with this email much of the correspondence I have had with Selene related to modifications, as its always just like starting over each time, no one person seems to be assigned to my modification or loan.
I am also providing a copy of this letter and additional information to the Consumer Financial Protection Bureau, as well as my congressmans Advocates office. I hope Selene will take this modification request urgently.
Thank you, XXXX XXXX
|
| 02/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This is my second complaint regarding this company. They temporarily fixed the error on my report only to re-report the incorrect information. My mortgage was transferred from XXXX XXXX ( loan # XXXX ) to Selene Finance on XX/XX/XXXX. At that time, the home was in escrow. XXXX XXXX contacted Selene Finance ( XXXX # XXXX ) on multiple occasions in late XXXX and XX/XX/XXXX attempting to get a loan payoff and were rebuffed with the recurring excuse that my loan " was not in their system '' and they were unable to accept payment. We already had a payoff from XXXX but without a demand from Selene, escrow was unable to proceed with the payoff. I finally reached an employee ( XXXX XXXX ) at Selene on XX/XX/XXXX who was able to secure the payoff for us the next day and the loan was paid in full on XX/XX/XXXX. When escrow did finally close, I was forced to pay many extra days of interest and taxes ( approx {$200.00} per day ) because of their refusal to provide a payoff when asked in late XXXX.
My loan with XXXX was in forbearance at the time the loan was transferred. XXXX rightfully reported my loan as paid as agreed. Selene reported " paid XXXX days late. '' I have contacted Selene Finance on multiple occasions to no avail so I filed a dispute with the credit bureaus which Selene responded to and lied to them saying I was 150 days late. If in fact I was 150 days late, there would have and should have been late fees charged to my account. None were charged because I was not late. My loan was under forbearance when it was transferred and Selene Finance was required to honor that forbearance or in the alternative accept a payoff in a timely manner. They did neither.
Selene Finance only owned my loan for 19 days and spent 18 days of that refusing to take money from myself or escrow. Now they want to claim I was 150 days past due which is an outright lie. They need to correct my credit bureaus as they have dropped my perfect credit score from XXXX to XXXX. This is unacceptable and they do not respond to requests to correct their mistake. The phone number designated for disputes ( XXXX ) is not in service and rings 3 times then hangs up.
The lowered credit score has caused my business ' credit to be affected thereby choking my business during a pandemic.
I am attaching the following : The original payoff quote I got from XXXX good through XX/XX/XXXX The letter from XXXX saying my loan was being transferred which I received on XX/XX/XXXX An email from my realtor to XXXX XXXX with the letter referenced above attached and response from escrow saying they would need a new demand Emails from escrow from XX/XX/XXXX - XX/XX/XXXX outlining efforts by XXXX XXXX to get a payoff from Selene Finance to no avail.
Text messages with my realtor from XXXX XXXX outlining the scramble to finally get a payoff from XXXX XXXX at Selene Finance the payoff quote and accompanying email I finally got on XX/XX/XXXX 2021
|
| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
HELP! for two years, my mortgage company has been dragging me through the XXXX XXXX XXXX claiming they're "... doing everything to help. '' A SALE DATE HAS BEEN SCHEDULED FOR XX/XX/XXXX, THIS MATTER IS URGENT!
In XXXX of XXXX, when the country shut down because of coronavirus outbreaks, my primary source of income and employment disappeared. I worked as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX instructor with the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. When stay- at-home orders were put into place, work disappeared. As the pandemic progressed, most of the studios closed permanently, and university cutbacks eliminated many adjunct positions.
In XXXX of XXXX, I contacted Selene Finance about Loss Mitigation. I initiated the application process, which began my two-year journey with that dysfunctional company that has destroyed me mentally and physically. AND NOW I MAY LOSE MY HOME!
I have hundreds of documents that record this heartbreaking experience. Phone calls that begin as chastisement then end with admissions, on their part, of how poorly organized and unprofessional they are. " It's like talking to a XXXX XXXX XXXX, '' complained XXXX XXXX, a Selene employee assigned to my case as a mediator to help wring some answers from the black hole that houses their underwriters. You ask a question, and the answer is so cryptic and unhelpful that it might as well say, " Not today. '' Once an inquiry crosses the XXXX XXXX, an answer never comes back.
When the process began, they said to call every couple weeks, to check on the progress of their assessment, but they have 30 days to make an initial decision. You can call the DAY THEY MAKE THEIR DECISION, to make sure they have everything they need. They say everything is correct, then a week later, they send a letter stating they didnt have what they needed. Im denied BECAUSE I DIDNT SUBMIT DOCUMENTS.
This process happened over and over again. They said to try sending everything via email, fax and USPS, so they wouldnt lose anything. I did. I highlighted, initialed, labeled, color-coded, and more, but nothing works. The Housing Assistance Fund for Montana could help, but they need a No Help letter from Selene, which they wont give BECAUSE THEY SAID THEY CAN HELP. But the letters always say Im non-compliant, so I cant get assistance, from anyone. Im their hostage, and now they have my home, which Ive lived in for 20 years. My XXXX mother and my son, who is dying of XXXX XXXX, are also victims of Selenes deception, manipulation, I dont know what word to use. I just know its wrong.
This XXXX feels intentional. Its heartbreaking because I would have had the entire amount to pay off the past due, but these delays sink my even deeper in debt. + Ive attached the latest set of documents that I just sent to Selene Finance. I have two-years-worth of documents. Ive also included the sale notice, which makes me cry every time I think about it.
|
| 11/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XXXX XXXX. I was behind on my mortgage due to XXXX XXXX Pandemic. I called the lender in XX/XX/XXXX and requested the lender to move the balance owed to the end of the loan or add it to the principal balance so that my account will be current. The lender representative told me that they don't do that. and the only option they have for me is to apply for loan modification. In two days after, I called the lender again and spoke to different representative about my situation. She also advise me of going for loan modification. So I put in application for loan modification with the lender in that XX/XX/XXXX. After numerous documents request from the lender, the modification was approved in XXXX XXXX, XXXX. In XXXX XXXX, the lender sent me a letter of approval with request to pay XXXX months trial payments of {$1700.00} which I paid in XXXX, XXXX and XXXX. In XX/XX/XXXX XXXX, the modification package was sent to me, the modification agreement includes : the agreement, ach form enrolment, notice of oral agreement, loan modification agreement rider, Balloon payment/Differed balance rider and compliance agreement. ( see attachment XXXX ). After signing the modification, notarized and sent to the lender in XXXX, It was in my XXXX XXXX mortgage statement that i noticed monthly statement of {$1700.00} calculated is not in accordance with the modification agreement signed. See attachment XXXX. I then called the lender and addressed the matter. and I was told to put it in writing and send it to their customer service. I put it in writing and send it to the lender on XX/XX/XXXX, XXXX see attachment XXXX. For XXXX weeks I did not get any response from the lender. Then I called the lender again in which the representative told me to resend the letter. I resend it and still didn't get any response. In XXXX of XXXX i filed complain with the texas dept of saving and mortgage lending. It was then i got a call from the lender 's office supervisor talking to me about my complain. And he still did not address the issues contained in my complaint as to why my mortgage principal balance was increased from $ XXXX to XXXX, why was there balloon/deferred payment in the modification agreement and not apply in monthly payments. And the lender failed to provide mathematical statement of how it arrive at {$1700.00} as my monthly payments on the statements. And more also the supervisor failed to explain why some payments made in XXXX was not applied to the principal balance. And when i went back to the case manager for texas dept of savings and mortgage lending, he told me the same thing the lender supervisor was telling me without considering the facts and evidence in my complain. And my complaint is being silent since XXXX and no corrective action taken on my case. Someone please help me. This lender had been XXXX me out of my accrued equity in my mortgage account, and had made my family and I life XXXX.
|
| 02/01/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
To : Selene Finance LP XXXX XXXX XXXX XXXX, TX XXXX We are writing this letter to find out what can I do to resolve my issues with my current mortgage lender Selene XXXX .
The bank is withholding our money. At the beginning of XX/XX/2021, I called the bank and talked to customer service, explaining our situation and what was going on with our finances. I told Customer service that I can start making double or a payment and half, until we are able to catch up with the balance I own. The bank never ( not even once ) objected, so I proceeded and send Selene Finance {$2400.00} dollars in XX/XX/2021. In XX/XX/2021, we received a check from the bank for the same amount, I originally send to them with a letter claiming that they us to pay the full amount. I called the same day and explain the situation my husband and I are experiencing and the bank agree with us to make an agreement we can catch up with what I own and start brand new, making payments. So, we agree with the terms of the bank and they told me that I need to make a payment of {$2400.00} first payment and then {$1700.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then in XXXX our regular payment of {$1200.00}. We also agree that they were going to send me a letter with the agreement and the bank never did. In addition, the bank also agree to returned the {$2400.00} I originally send to them in XX/XX/2021 for the amount of {$2400.00}, which they never did. I called several times and every time, it was a different agent with different excuses. The last person we called said that the bank was going to hold my money for 90 days with no explanation. I told her that I need the money to keep paying them and hold my agreement because we leave paycheck by paycheck and we were not going to be able to come up with another payment of {$1700.00} so fast. My calls to the bank were always blank with empty promises and excuses. So far, the bank has in total {$2400.00} first payment, withdrew from my bank on XX/XX/XXXX of XXXX my second payment made in XX/XX/XXXX for another {$2400.00} for a total amount of {$4200.00}. Also, to clarify the check the bank mailed to me the first time was not remit to me, see copy of the check and letter so I was unable to change the check and that was the reason why I returned the check to the bank ; so they can correct the check and send it to us again or transfer the fund to my bank. The bank agree on XX/XX/XXXX, that they would transfer the fund or mail the check and none has been done. Furthermore, the bank is charging fees that I don't know and this is very confusing to us. I dont know where to go or whom do I have to call or contact regarding my money and the issues I'm having with the bank. Please let me know what to do and what can you do to help me solve this problem. Thank you.
Sincerely, XXXX XXXX XXXX and XXXX XXXX
|
| 09/24/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
To Whom It May Concern : On XX/XX/2021 I received an voicemail call from a XXXX from a Selene Finance. XXXX asked for me to call her back. I called the number back at the number she gave on my voicemail ( XXXX ). I got someone else on the phone asking me for my account number & social security number. I informed them that I do not have an account number with your company & that I do not give my social security number to no one.
The person informed me that I do have an account with Selene Finance & wanted to verify my home address. I reluctantly gave the person my home address & then they asked for my account number & SSN # again. I told them again that I do not give my SSN # to no one & that if the lady XXXX called me & asked me to call her back you should just transfer my call to her being that you can see that she called me & wanted me to return her call back.
The person said that I do have an account with Selene Financial & that I will need to give him my account # or SSN # to see who called me & that I should contact my current lender to get my account information for Selene Financial. I contacted my current service provider & they informed me that my account did transfer to Selene Financial, but they do not have my account number tied to this Selene Financial account.
This company Selene Financial is pathetic! How are you going to conduct legit professional business if you enquire an new account from another company & do not even mail no correspondences out to the account holder introducing yourselves & provide an account number to the account at hand. And then have the audacity to call me asking me to call you back & when I do you want me to provide you my account number to you? Ridiculous!
Then I tell you that someone ( XXXX ) from this number & asked me to call her back & you would not even assist me getting back in touch with XXXX which asked me to call her back on my voicemail & she did not mention nothing about a account number on my voicemail to reference the call back to.
I looked this company Selene Financial up prior to typing this complaint & I see why this company has terrible reviews with the XXXX & on XXXX. I have not even started yet with this Company & already have an unprofessional negative experience.
Take note Selene Financial how about sending out welcome packets to your new accounts letting them know 30 days in advance what has taken place prior to calling someone. That's what professional companies do. And when that person calls you back you do not want to assist when you actually called the person first.
I need some correspondence sent to me with my account number on it. You should have did this 30 days ago prior to calling me. How can anyone conduct business with this company if you never sent no correspondences out. Get your act together!
XXXX XXXX
|
| 04/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In the last quarter of XXXX XXXX my divorce began, I had fallen behind in my payments of the mortgage I closed on XXXX XXXX. The nature of my business is solely dependent on my ability to perform.
The first quarter of XXXX I was committed to multiple contracts to continue developing various treatments for Caner and more importantly my XXXX XXXX was scheduled to deliver a return of the XXXX invested prior XXXX years During the Forced lock down the lender carried on with XXXX XXXX Maryland courts. Because of the uncertainty of XXXX, XXXX XXXX plant in XXXX was XXXX down for over a XXXX in XXXX and XXXX investors were prevented from conducting business with my company because of the forced lock down.
The XXXX began foreclosure proceedings in XX/XX/XXXX. Absolutely NO RELIEF was offered. Once the Court reminded the Lender of the Moratorium in place to provide relief the Lender responded with a motion submitted that falsely stated I was exempt from the protection provided by the XXXX Moratorium.
My Home was not only being taken from me, my ability to recover any additional funds also was stripped away by the lender who reported my loan inaccurately. instead of owing my original Debt I owed over XXXX due to credit reporting by the lender When in fact I only borrowed {>= $1,000,000}.
As of todays date the lender finally repaired the duplicate reporting, however the loan information is still a lot more than I borrowed.
My business suffered the consequences because my equity and credit availability had been eaten up by the lenders false credit reporting The XXXX XXXX and any local grants or loans I could apply for all denied me because my debt to income ration and my credit score that suffered XXXX reporting of mortgages XXXX Forclosure and the second account remained open and was still accruing interest 1 year after the judges order of forclosure and is still showing active.
I am requesting for assistance to seek the damages caused by this lender.
XXXX XXXX XXXX XXXX.
I am the spouse listed in the final closing statement. XXXX XXXX, at no point did I authorize the use of my personal identification information for the application process of this loan.
I was not in the country at the time as XXXX and I were separated. I was in XXXX where I still remain. and have record of my travels.
The lender added my personal information without my consent. I was given direction from them to go to American consulate in XXXX and sign the mortgage application on XX/XX/XXXX. I told the lender taking out. a loan for XXXX XXXX was of not interest to me as I pay cash for everything.
Lender falsely advised XXXX my agreement to continue with the application. There is no documentation with. my signature approval or consent. If there is record it is a fraudleunt claim.
|
| 04/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a loan modification and sent in a complete file ( p and L, 3 months business bank statements, rma, ss awards letter, hardship letter ). I have been calling in daily. I have a sale date for XX/XX/12. Nothing was being worked on. On Friday XXXX I was advised by XXXX that docs are sitting there and an email would be sent so the file can finally get looked at. That same day, I inquired about my payoff that I had ordered. My daughter has stated she may have the funds to pay off my loan since she just refinanced her home and had cash on hand. On Friday I was told they would fax it to me since they mailed it out instead of sending me it via fax as I requested. Friday ends and still no payoff was sent to me. Monday XXXX comes around, still no payoff and no update on my mod. Tuesday XXXX, I call again and was told my file cant be reviewed due to the XXXX rule. I told them that I am in California and that does not apply to me. At this point Im dealing with someone completely rude. I also needed assistance with my payoff as it seems that Selene is refusing to send it to me. Everyone knows about the issues with the us postal service these days, I do not have the time to wait for the mail to deliver it. I specifically asked for it to be faxed. I finally get a supervisor on the line ( XXXX ) who was able to get me the payoff via email and he also confirms that I was given bad info pertaining to the 37 day rule. That since I am in California, the rep should not have advised me of that. The supervisor stated he would reach out for an update on my mod, as there was nothing noted on my account regarding it. I call back 4 hrs later to see if anything was noted to my account and was told that they are barely imputing my information!!!! What does that even mean? She ( XXXX ) also stated nothing is very clear on my account as to what is going on with my file. There are numerous reasons why Selenes behavior is intolerable and the issues that Id like to bring to your attention are the following : The inability of Selene Finance to properly review my file in a timely manner since I have a sale date is intolerable.
They completely disregarded my file because of incorrect info that did not apply to my state. Due to that, my file has sat there. Selene finance has been completely careless with my file. The number of times that I called to check the status of my file should extinguish any opportunity to excuse Selenes behavior. To top it off, the number of times I called regarding my other potential option to save my home was also disregarded. The payoff was ready XXXX and I was promised I would get it that same day and it took an additional 5 days.
No one is giving accurate information and no one is being held accountable for these numerous issues.
|
| 06/25/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
XX/XX/XXXX XXXX XXXX XXXX I am writing to place on record and request relief from Selene Finance for not using reasonable procedures to assure maximum possibility of accuracy, unfair and predatory practices, and releasing inconsistent information.
On XX/XX/XXXX my loan was transferred from XXXX XXXX XXXX XXXX XXXX to Selene Finance, XXXX XXXX XXXX, XXXX, PA XXXX. Approximately 1 month after the transfer Selene Finance reported a late payment and accessed a {$33.00} late fee. Thereafter, Selene Finance has placed a {$33.00} late fee each month on the account. After speaking with representatives to rectify the issue I received no relief. Selene Finance periodically sent a representative to the property to place a piece of paper on the door with a phone number to call Selene Finance at a cost of {$23.00} which was charged to the account. During XXXX I acknowledge that some payments were late and expressed via phone and in writing to Selene Finance that I would like to resolve any legitimate late fees. Selene Finance refused to waive any fees, conduct a true account analysis or set up any type of plan. Instead, I was instructed to apply for a loan modification. Thereby, Selene Finance failed to use reasonable procedures to assure maximum possibility of accuracy.
The loan was originated in XX/XX/XXXX and was established without an escrow account. Each year homeowners insurance and taxes have been paid by the owner. XXXX of homeowner insurance is sent every XXXX to Selene Finance by the XXXX broker ( XXXX XXXX ) and the homeowner submits the receipt for paid taxes at the beginning of each year. Per Selene Finance representatives the company has internal procedures to check tax rolls for unpaid taxes. Yet, In XX/XX/XXXX, Selene Finance attached an escrow account and raised the mortgage payment. Again, many phone calls have been made to the company to no avail. Selene Finance continues to show the account as being past due and continues to access late fees for a current total of {$1100.00}. In conducting these unfair and predatory practices Selene Finance places the property/homeowner in jeopardy of foreclosure.
Selene Finance is reporting all past due payments including those that are erroneous to Credit Bureaus which charges them with releasing inconsistent information. I would like a complete analysis done on the account and all late fees based on erroneous and uncorroborated information removed. I would like to request that the escrow account and fees associated with it that was erroneously placed be removed from the account. I would like all credit bureaus that Selene Finance reported negative information to be removed as the negative reporting have been detrimental to homeowners credit standing.
Kind Regards,
|
| 06/28/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, My mortgage loan was sold to lender Selene Finance back in XXXX. Selene claims that I am one month behind. This is not the case. I have been in chapter XXXX bankruptcy since XXXX of XXXX. Since XX/XX/XXXX I have not missed any payments. Bankruptcy trustee has also completed all the payments agreed upon and does not owe anything to Selene or past lender.
XX/XX/XXXX My attorney emailed Selene Finance XX/XX/XXXX and attached all proof of payments for last 3 years. There is a ledger showing payments made, dates, confirmation numbers and amounts. Also attached was bank statements for every month starting XX/XX/XXXX showing the withdraws made by lender.
XX/XX/XXXX I called and confirmed with agent XXXX that they received the email. She said it would take them up to 30 days to reconcile account. I asked if I could have contact information of the team or person reviewing my case and was told they do not take calls or emails from customers. She also said I would be receiving a letter from the team confirming my attorney 's email request. I never received anything and neither did my attorney.
XX/XX/XXXX called spoke with another agent and she said they were still working on the issue. I asked about the letter that I was supposed to receive and she had no answers for me just confirmed my mailing address.
XX/XX/XXXX called and spoke with another agent XXXX. He said they still haven't made any changes. He couldn't get any supervisor on the phone but submitted a request for a call back. He said I would get a call back 24-48 hours. He also emailed bankruptcy team with all the grievances that no one has responded to my inquiries that it has been almost a month and nothing.
XX/XX/XXXX Called again and spoke with agent XXXX and he said he didn't see any requests to speak with a supervisor and that no one was available to speak with me. But that they are still reviewing my case and that its only been since last Friday. I let the agent know that it was incorrect that they had my case since XX/XX/XXXX. I told him that I have had zero response regarding my grievance for a month now and he told me there is nothing he could do. I asked who I could speak with he said I could leave a voicemail with a supervisor ( which I did ). I asked if I could speak with bankruptcy team and he said they do not take calls.
Every time I called I was on the phone 1-2 hours getting the runaround. No one is calling me back. No correspondence of any kind. No end in sight. I gave them everything needed to fix their internal error and they still haven't. This is unacceptable. This has added great stress to my family. How can they miss-place a payment? They had a month to correct this. I have called and called and zero answers.
Please help!
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene Finance now bought my mortgage. It was transferred XXXX.
They started sending me overdue payment letters immediately. I called and told them I was on a Covid 19 Forbearance program until XXXX.
On XXXX I spoke to XXXX and was told they did not have that information. I had to contact the old mortgage co and have a letter sent to verify.
I did that and sent it to their email address on XXXX and XXXX. They verified receit of the letter on XXXX.
A letter dated XXXX which I received 2 weeks later stated they updated the forbearance thru XXXX.
Today on XXXX I called to move forward and verify they updated my account and this is what happened. This is what I learned today.
They sent a forclosure letter dated XXXX that I must pay all payments from XXXX thru today by XXXX total {$32000.00}. I thought that must be wrong and would not have any bearing since they finally updated the forbearance thru XXXX.
Total time on the phone with Selene Finance was from XXXX thru XXXX.
1. XXXX she understood that they did not have forbearance information for the prior months and was going to have her supervisor help to fix the situation. She went back and forth on the phone with me for over 1.5 hours while they were working on it. Then my call was put back into the Que to wait for another operator.
2.XXXX- I told her the above and I would like to talk to a supervisor then she disconnected me.
3.Called customer service again and on hold for 20 min and disconnected from customer service line.
4.XXXX- Told her everything and she was going to look into it and then again disconnected.
XXXX figured out the covid 19 forbearance info was not updated correctly. I have been on it for several months. There are no months in default for payment. I was on the forbearence the entire time payments were not made for the mortgage.
This needs to be corrected. All information they requested was given and you would think the information was provided by the original mortgage too. XXXX XXXX XXXX XXXX XXXX Selene Finance has been billing me for months which is against the Covid 19 forbearance and now have me listed for a forclosure if all money is not paid by XXXX.
This is all illegal.
I have not received 1 accurate letter from Selene Finance.
They also sent a letter stating I applied for a Loss Modification. That is fraudulent I did not fill out any paperwork they needed to first fix that I was approved for the Forebearance thru XXXX.
Please help with this situation. I am unable to get any help from the customer service line.
I was on a Covid 19 forbearance. All forebearnce information needs to be updated onto their records. This illegal default must ceese and is against all Covid 19 Forbearance rules.
Thank you
|
| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX XXXX XXXX sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX This long-named company (? ) sent a letter dated XX/XX/22 to inform me of the change and to pay directly to my new servicer, which was identified as Selene Finance LP. I have tried repeatedly to get in touch with this company. I can't set anything online to make my mortgage payment, which was about {$610.00} when it was with XXXX XXXX. It is an escrow account. The letter states that the transfer does not affect any term or condition of my mortgage. The letter from XXXX has me identified as Account Number : XXXX and has my correct address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AL XXXX. However, the account number is " invalid '' when I use it to establish an online account, and the phone payment automation does not recognize it nor the zip code, nor the four digits of my Social Security number. When I try to wait for a customer service representative, the line disconnects every single time.
I have researched Selene Finance LP online and the complaints about this company are endless. It has an F rating from the XXXX in Texas. Almost every complaint is similar to mine : can't contact customer service ; payments not recorded ; non-disclosed charges ; non payment on escrow accounts ; can't obtain mortgage papers ; and on and on. How can a company do this repeatedly to consumers with no redress?
I. Am. Frightened. because in the end most of the complainants say they lost their homes in foreclosure, and even though some recouped thousands in undisclosed fees, their home was still lost.
My dad gifted my home to me, and I know no one cares about that, but I am trying to be proactive in preventing this from happening.
But already, Selene Finance is laying the groundwork, in my opinion, to eventually take my house away from me. They are apparently in the business to acquire assets by whatever means they can.
Would you please investigate why this company is withholding this vital information from me?
Meanwhile I will mail my payment to the address given in the letter and take a photo of it should you need to see it.
The address on the letter is : Selene Finance LP, Attention Customer Service Department, XXXX XXXX XXXX, XXXX, TX XXXX. The website address is www.selenefinance.com The address in the letter, word for word, for XXXX is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX not in its individual capacity but solely as owner trustee for XXXX XXXX Acquisition Trust XXXX XXXX XXXX XXXX XXXX XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX XXXX '' Thank you for your help with this matter.
XXXX XXXX
|
| 03/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
PROBLEM SUMMARY : I paid {$7000.00} as an advance " Escrow '' payment for the entire XXXX calendar year ( {$590.00} per month x 12 ) on XX/XX/XXXX. After the payment was processed I was informed that it could not be applied to cover the Escrow for XXXX without refinancing my mortgage loan. I declined to refinance the loan and requested a full refund of {$7000.00} in XX/XX/XXXX however " Selence Finance '' will not refund my money. I have spoken to 5 or 6 representatives and filled out the appropriate paperwork at least 3 times and was told I completed the paperwork successfully however my money has not been refunded. The representatives will not allow me to speak to their supervisor or anyone in management to resolve this issue.
DETAILS After making numerous calls to " Selene Finance '' and speaking to different " Representatives '' in XXXX and XX/XX/XXXX regarding paying my " Escrow '' in advance for the entire XXXX calendar year and being informed of the necessary steps to take, I moved forward on XX/XX/XXXX and made an " Escrow Payment '' ONLY of {$7000.00} designated as funds targeted to cover all 12 months of " Escrow '' for XXXX. This amount equaled a monthly " Escrow Payment '' of {$590.00} per month for XXXX thru XX/XX/XXXX. As of XX/XX/XXXX the payment completed processing and showed up on my account as an " Escrow Payment ''. However I received a communication from Selene Finance in the middle of XX/XX/XXXX that my " Mortgage Payment '' would increase in XXXX to cover a projected XXXX shortfall of {$840.00}. When I requested that the money be taken from the {$7000.00}, I was informed that my " Escrow '' could not be paid in advance for XXXX unless I restructured my mortgage loan which would require a refinance of the loan. I declined to refinance the loan and requested a full refund of {$7000.00}.
A representative gave me instructions to fill out the appropriate document which I did. After the form was processed I called " Selene '' and a representative verified that it was completed properly and told me the money would be refunded in 7-10 business days. This didn't happen. When I inquired why my refund hadn't occurred a " Selene Representative '' told me I needed to repeat the process so I repeated the process a 2nd time with no results and inquired again about my missing refund. A representative instructed me to repeat the process ( a third time ), which I did and got the same results. I have made at least 10 calls and spent several hours trying to resolve this issue unsuccessfully. I have repeatedly asked to speak to a " Supervisor '' or someone in " management '' and no one will patch me through to management. I am at my wits end.
Please help me to get my {$7000.00} refund.
|
| 02/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan Number : XXXX Selene Finance XXXX Attn : Customer Service Research XXXX. XXXX XXXX XXXX, Texas XXXX XXXX : Notice of Error for Outstanding Mortgage Balance for Selene Finance Loan # XXXX Dear Selene Finance Customer Service Research : Selene FinanceXXXX/XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but Selene FinanceXXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. Selene FinanceXXXX has ignored this Notice of Error caused by them since 2015. Because Selene FinanceXXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. Selene FinanceXXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX XXXX and XXXX ( XXXX ). Selene FinanceXXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). Selene FinanceXXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. Duplicate tax and insurance payments were made by Selene Finance/XXXX/XXXX from 2015 to present ( for which they were refunded ). Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). Tax payments refunded to Selene Finance/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, Selene Finance must correct this error or XXXX XXXX will contact New York State XXXX XXXX XXXX XXXX at XXXX and at XXXX. As required by law, Selene Finance must provide a written respond to this Notice of Error within 30 days. All taxes and insurance has been paid by XXXX XXXX since the loan inception. Selene FinanceXXXX has been refunded for all taxes that it has paid in duplicate since 2015. Selene FinanceXXXX has never made insurance payment for Loan # XXXX. Sincerely, XXXX XXXX XXXX
|
| 02/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
After being told by XXXX 's loan mitigation rep named XXXX on XXXX, that I would be allowed to make XX/XX/XXXX and XX/XX/XXXX repayment payments by the end of XX/XX/XXXX, I was once again deceived by XXXX. When I called and stated I wanted to make the payments, I was told that all of the money is now due and payment could not be accepted for anything less than that.
**CFPB, I need you to do something about XXXX XXXX numerous deliberate and willful deceptions made to speed the foreclosure process on my home. Just accepting their letters of even more lies and omissions should be a crime and shame on you for continuing to allow this. I am going to call my US Representative and both of my US Senators and complain that you are doing nothing more than collecting data and this is another federal taxpayer paid bureaucracy we American citizens can very easily live without!!!. You were not created to protect crooked mortgage Servicers** First XXXX told me that they would not honor my previous Servicer 's repayment plan made with me after my COVID19 Forbearance had expired with even another previous Servicer. This caused me to miss the XX/XX/XXXX repayment, which is the outcome they wanted.
Then they sent me an application for a modification that I received a week after the date it was due to be returned.
Then they sent me a package to sign and return to them by XXXX noting that I accept a repayment plan with them. I faxed it back to them on XXXX.
When I called them to make sure it was received they did state that I could pay XXXX payment by XXXX and XXXX by XXXX. And he also stated that XXXX 's payment would need to be paid by XXXX. I was to call back with my checking account info or the rep would call me the following day.
When I got home and checked my check register, I seen that I had already made another payment for that date with another creditor. So I called XXXX back and requested an additional XXXX weeks but that I could still have all repayments current by XXXX. XXXX 's manager stated that both XXXX and XXXX 's payments would need to be made by the end of XXXX. Even that was another lie told by XXXX.
ALL REPAYMENTS WOULD HAVE BEEN MADE ON TIME IF XXXX HAD NOT LIED AND SAID THE PREVIOUS SERVICER 'S REPAYMNET PLAN WOULD NOT BE ACCEPTED BY THEM. I could have continued on as I was doing, just as the XX/XX/XXXX had been made directly to XXXX via USPS certified mail.
XXXX instead terminated the repayment plan only a few days after they had even acknowledged it and then sent me a letter dated XXXX stating that.
Then on XXXX, they filed a lawsuit to foreclose on my home.
All of their actions appear to have been preplanned and deliberate.
|
| 05/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I obtained a loan modification in XXXX from XXXX. After I got it, they sold my loan to another company. They in turn sold it to another company with it being sold every year. My taxes and homeowner 's insurance were part of my mortgage payment. When it went to XXXX in XXXX, they stopped paying my homeowner 's insurance and told me to do so on my own. I did so and have paid it myself for over three years. In XX/XX/XXXX my loan was sold to Selene. I continued to pay my own insurance for over a year and a half. Selene suddenly started accusing me of not having home owner 's insurance. I sent them verification that I did and they acknowledged that they received it and are aware that it is paid in full for the calendar year. All of a sudden, they have decided that they want to pay the insurance themselves and have increased my mortgage payment by {$260.00}. This is more than I pay yearly for home owner 's insurance. When I called them about it, they said it included my taxes. I told them that was not true as my taxes have not increased and I pointed out that my previous payment included my taxes without the insurance. Thus, the increase was for my insurance. They then said XXXX told them they paid my insurance when it was sold to them and that XXXX had last paid my insurance in XX/XX/XXXX. I told them this is not true as I have paid my insurance myself for 3 years. They then said they did an analysis when they bought the loan in XX/XX/XXXX and that's why I am now being charged for insurance. I asked them why did it take a year and a half for them to tell me they wanted to do this? Further, I advised that I never received any analysis or documentation from them about this, and that they had told me in writing, email and over the phone that they accepted that I would pay my own insurance. I also questioned why they were charging me more to escrow my insurance than I pay, and why they are charging me for insurance that is paid in full already. They said they would collect the money and have the insurance company refund the money that I paid them already. So in effect they would be voiding my paid in full policy for their own benefit. I talked to them about a waiver wherein I continued to pay my own insurance but was told I wouldn't receive one. So, they have lied about allowing me to pay my own insurance, the reason for the mortgage amount increase, about XXXX paying my insurance, and their property analysis which was never sent to me. The fact that they have consistently lied, and want to charge me for insurance that is already paid in full, and more than I pay is concerning to me. I want to pay my own insurance as I have previously done.
|
| 02/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Back last year I filed a complaint due to the fact that I have an FHA loan and had requested forbearance due to hardship because of covid and Selene finance told me that my fha loan was switched to a conventional because of a late payment they also stated this to cfpb which is incorrect. 4 different times I have requested ALL account stmts, payments, and all loan documents showing where this is not fha and that it is a conventional loan and they have yet to send anything but what can be pulled up on the account on the system for the last 2 years which is what was verbally held I had HUD research the case number and they found that someone dropped the ball and did not file the case number. I also spoke with a lady who stated that there were bankruptcy papers in our file and this was incorrect. Once I got the attorney for them involved and cfpb and hud counseling they stopped the forclosure and were supposed to be doing a real forbearance for the last 2 1/2 months I have called and called and went straight to voicemail or customer service who gives me the same number and option I called into to set up our payments that we can make now and I finally got through today after learning that we are being foreclosed on XX/XX/XXXX this isnt right we signed at closing a note that is fha in XXXX and no where Is there a conventional loan documents signed All we want is for them to follow what was originally signed and are even willing to sign a new note after the original loan paperwork, payments fees has been sent to us as requested in writing several times and been investigated on there end as well and then a repayment plan done. We are on the middle of having to replace all kinds of stuff in the home including roof, plumbing, and the whole sunroom. We would honestly be better just walking away from the property at this point but this is our home that we are trying to keep and just want this all fixed so this is continue to happen Thanks Forbearance was requested in writing and verbally to Selene an acknowledgement was received on each one but nothing was ever sent to us. Please advise how we need to proceed. I am also going to go to XXXX XXXX, my colleague at OIG, FOIA with HUD if I do not get any kind of answers by XXXX. Regard to the mass amount of calls but its unfair to never answer until week before its going to auction especially when we are wanting to set up pmts to repay this and get back on track for the last 2 years. Please get a solution for us that is reasonable I have our original note, dot, all other paperwork as well as pmi payments to we have paid on this loan .if this needs to be sent we can upload this
|
| 01/29/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
To Whom it May Concern, As a XXXX XXXX directly impacted by Covid, my husband and I have tried excessively and exhaustively to modify our mortgage loan serviced by Selene Finance. I must say that our initial rep, XXXX XXXX, was amazing and should be praised for her professionalism and dedication to help us achieve a modification due to the financial hardship we've experienced from this pandemic. With that said, that is where the good ends. After submitting all of the requirements and receiving verbal acknowledgement from XXXX XXXX, in addition to a notice sent from Selene that our modification packet was indeed completed and received in whole, we received a notice from Selene, dated prior to my conversation with XXXX, XXXX, but after the letter stating it was complete, that now stated we were denied due to an incomplete packet. Please note, during this time, Selene was reporting our loan as " non-govt modification '' with the previously agreed upon payments to the credit bureaus despite sending a letter of denial.
I again reached out to XXXX who again confirmed the account notes stating our packet was complete, we were just awaiting underwritting and she would reach out to her supervisor and to call back in a few days. I called back as directed and was informed that our modification was closed out for reasons unknown and she was going to again try her supervisor. Ive tried multiple times to speak again to XXXX, which I've been denied and on more than one occasion have been told, by other customer service reps, " Yes, I can see that, but there isn't anything in your account about why you didn't get your modification. I don't know, just try submitting it again ''. Which I did, to no avail. I submitted a QWR letter on XX/XX/2021, which has gone without acknowledgement or answer, I get hung up on now when trying to call, and we received a notice of foreclosure auction for XX/XX/2021, without enough notice given to use to prevent the foreclosure from taking place as Selene requires a modification packet must be received more than 35 days before a foreclosure auction date.
Selene is not only wrongfully denying borrowers foreclosure prevention actions, but also violating RESPA regulations.
As a Covid XXXX, I put my life on the line, got XXXX and now am losing my house due to Selene 's negligence. We sincerely and genuinely just want to pay our mortgage loan like every one else.
Is there someone that can help resolve this issue?
I do apologize for reaching out this way, but unfortunately felt I had no choice.
Thank you for your time and consideration, it sincerely is appreciated.
XXXX XXXX.
|
| 02/14/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
In XXXX or so I contacted XXXX that my Mom had died and I need to do something about the loan ( the XXXX ) to get a lower payment. They granted me a modification, and then sold the loan to XXXX Mortgage Servicer. Shellpoint then started the whole process over again putting me through all the same paper work I had just been through, telling me too that all I needed to do after they got the loan was to make the 3 payments to them for the new loan, which I did and on time. But XXXX still put me through all the hoops and then started sending out statements and modifications that were incorrect, including sending out their notary, that did not sign and or stamp in the correct space. I got a Covid Forbearance and continued to speak with XXXX and had already done a Modification with SLS on the 2nd for the home. That was easy and SLS extended the loan and reduced the payment for me. Then I got paper work from XXXX, I signed the modification and had it notarized and witnessed here in XXXX and put it back in their pre paid envelope and sent it back. I never heard from XXXX. But, they accepted the modification paper work. Some time in XXXX Selene came on the seen, and I was then told that Selene had the loan, Selene took over and made me do all the paper work over for the modification again even thought I told them I had a modification with Shellpoint but none the less once again another pile of docs only this time I spend {$2000.00} with Attorney mortgage Services thinking they might help me. Only to then have Selene turn down my loan. Selene then made demands that I give them {$100000.00} to reinstate the loan of they would foreclose. I continued to try and work with Selene but they won't listen. Then I was told my home was slated for a Sale XX/XX/XXXX foreclosure. I spent XXXX; XXXX on XX/XX/XXXX with XXXX XXXX ( badge # XXXX ) on the phone and he located the modification given to me by XXXX. Selene had already admitted that they would have to honor any agreement given by XXXX to XXXX and then XXXX given to them. XXXX gave the modification to his boss, on that day and I discovered on XX/XX/XXXX that they started to work on the paper work for my modification. I tried calling and showing Selene 's Insurance department that I have insurance but they just ignore me. Same as XXXX did and the force put insurance on my home. Under the Covid forbearance law, I believe that there are not to be any added penalties etc. on loans during this period. Yet Selene and XXXX have done both. XXXX refused to give me a copy of my modification when I called them, and when I call Selene all I get is the run around.
|
| 11/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our mortgage has been with XXXX XXXX XXXX. During Covid ( my now estranged husband ) placed forbearances on our mortgage because his work is primarily commission-based. There have been multiple forbearances and while his understanding was that they would move to the end of the mortgage, a lump sum was expected to bring the loan current. He was allowed to begin the forbearance process even though we are both on the deed. This was for mortgage and HELOC. All ended in XXXX of XXXX. I brought the HELOC current myself, by making all of the past-due payments. I was not able to do this for the mortgage, given the amounts. I live in the home with my XXXX children and my youngest is in a special program at XXXX XXXX XXXX. I hoped to stay in the house just until the kids finished XXXX. We did not receive child support for a year, then $ XXXX, until we finally got a judge in our case- we now receive support, though no other help. I have the kids 100 % of the time, I work full-time as an Assistant XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX My estranged husband lives for free in multiple-family homes ( no mortgage in his name, no cost ), and I have worked diligently with the bank to stay in good standing. The judge in our divorce case determined it would be detrimental for my kids to move and that my husband had to cooperate with the loan modification process. I worked hard on this, and while in the mod process, XXXX allowed me to keep making monthly payments. My credit score is in the XXXX and my only other debt is a monthly car payment ( {$370.00} ). In XXXX of XXXX, XXXX XXXX XXXX sold our loan to Selene Finance, a predatory company that said they offer modification plans too, to keep people in their homes, that they had all of XXXX 's info, and that I would have to start the mod process again with them I did all as told, submitted everything, but they would not allow me to make monthly payments during the mod review, making me even more behind in payments, and increasing the amount owed up from to {$63000.00} ( including penalties? ). They denied my modification saying I don't have enough income, then saying we made too much to qualify?? I XXXX XXXX an appeal letter on XXXX to be received on XXXX, yet they told me they denied my appeal on XXXX! They are destroying my ability to pay, stay in good standing with the bank and credit agencies, and will force me and kids from my home, and if my credit is ruined, I won't be able to get anything. I an terrified and angry at these allowed, yet clearly predatory practices that set people up to fail. Look them up on XXXX. I need help addressing this.
|
| 04/22/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to do a modification on my home mortgage since XXXX XXXX I have done the process five times each time it is denied because paperwork requested The last two times it was denied for not returning paperwork there were still a few days left according to the request documents to turn the papers in still when the deny was made Here are dates and detail to follow I feel I am being discriminated again and mislead and lied to by this company XXXX XXXX sent first Application sent documents said I work hear by late XXXX. Never heard anything XXXX secondcalled to check status. Told it was denied for requesting documents not turned in XXXX XXXX Application third XXXX XXXX I recieved letter stating recieved appXX/XX/XXXX Financially complete XX/XX/XXXX Decision made by XXXX XXXX XX/XX/XXXX letter request documents sent in by mail Said they never record XXXX XXXX letter denial documents not turned in XXXX XXXX sent third app certified so they couldnt say they didnt recieve it XXXX XXXX letter stating recieved app XX/XX/XXXX its complete decision made by XXXX XXXX Called XXXX XXXX and XXXX to check on modification could not get through to anyone It kept sending me to a modification department and the line would then disconnect my after a thirty minute hold several times XXXX XXXX I email customer service with my issues XXXX XXXX sent back forbearance documents requested XXXX XXXX sent in requested form and other requested documents XXXX XXXX they requested the income and other documents and gave till XXXX XXXX for documents return by date XXXX XXXX sent requested documents XXXX XXXX XXXX sent denial letter for not turning in documentation I still had till XXXX XXXX according to the letter they sent but denied it and told me I again had to start over I sent in Application fourth XXXX XXXX letter stating recieved App XXXX XXXX facially complete XXXX XXXX Decision made by XX/XX/XXXX XXXX XXXX second additional papers requested. Paystubs turn in date of XXXX XXXX XXXX XXXX sent in doc via email XXXX XXXX talk to XXXX she confirmed they had the documents Thats what I sent was alll that was being requested The phone call was recorded around lunch time XX/XX/XXXX letter of denial for not proper paperwork and again I had till XXXX XXXX to turn in documents so they still denied it before the time frame and I had confirmed it was there and complete days before I have called twice and when I ask to speak with a manager because they told me I needed to start over again I get sent to a voicemail for a person that didnt call back also tried emails on XXXX XXXX and XX/XX/XXXX no response to date
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
CREDIT REPORTING : On XX/XX/XXXX, Selene Finance, LP approved and closed on a mortgage modification to help with the mortgage payment. The mortgage modification took the outstanding balance and added the PAYMENTS in arrears ( both principal and interest ) ; no change to the 8.75 % ; increased the payments from {$2400.00} to {$2600.00} ; and extended the maturity date by 60 months ( 5 years ) Was in foreclosure proceedings, until XX/XX/XXXX ( attorney representing Selene, LP vacated without prejudice ), when was approved by the New Jersey Emergency Residential Mortgage Assistance ( NJERMA ) which covered all the payments in arrears and paid an additional four ( 4 ) months of payments.
Suffer from XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX which rendered me unable to work from XX/XX/XXXX to XX/XX/XXXX. Was not eligible for states disability.
From XX/XX/XXXX to XX/XX/XXXX, NJERMA paid the monthly payments, timely and Selene was aware of the payment source.
My credit report shows twelve ( 12 ) months of past due payments. Selene, LP does not refinance, and no mortgage lender will refinance the mortgage until there are twelve consecutive mortgage payments reflecting current status.
For the XX/XX/XXXX payment I was able to pay. The funds were deducted from my checking account of XX/XX/XXXX and through whatever processing method Selene has internally did not post until XX/XX/XXXX.
1 ) Loan Modification INCREASED the payment. Could not make the payment prior to the modification ; thusly could not make the increase payment.
2 ) Internal processing payments by Selene if nothing I can control/manage.
HOMEOWNERS INSURANCE : XXXX XXXX, XXXX XXXX, no longer underwrites homeowners insurance in New Jersey. Was able to find XXXX XXXX XXXX ( XXXX ) to underwrite homeowners insurance and the cover parallel the previous XXXX policy. The first year of homeowners ; insurance was to be paid in-full as a condition ( as well as being the wiser economic choice because monthly payments include administrative fees ).
Selene, LP was provided the declaration page which has the company as lend holder as well as the invoice from XXXX showing payment in full. Selene, LP sent out an escrow analysis which increased the payment to {$2800.00}.
SIDE NOTES : 1 ) I can work. However, not in excess of XXXX hours. I am employed earning XXXX XXXX.
2 ) Have exhausted all of the Federal / State Programs offered. With the status of the credit reporting which does not meet other mortgage lenders criteria, a mortgage forgiveness consideration or program is the only other resource.
|
| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our mortgage loan is under the name of XXXX XXXX XXXX, who is the father of my two daughters. However, I pay our mortgage to XXXX XXXX XXXX XXXX. Loan structure was only to pay the Property and Interest only. I pay the property tax and home insurance separately on my own. I lost my job in XXXX of XXXX due to Covid 19. I used my savings to continue the payment up until XXXX of XXXX. The loan holder put the account in forbearance due to Covid-19 because he doesn't want to help even up to this point. The loan was transferred to Selene Finance Servicing. When I got hired to another full-time job, I tried to make a payment but Selene would not even entertain my call. I struggled to contact them because most of their customer service reps wouldn't listen to non-holder. Finally, someone told me to provide a signed form from the loan holder. Loan holder wouldn't sign anything. I provided title to Selene to prove that I am the home owner. They required birth certificate of my children to show relationship, which I sent them birth certificates. I was added as a third party successor of interest and it allowed me to submit a loan modification and assumption of loan. Both were denied several times. I provided a copy of my XXXX XXXX statement to let them know that I have money saved un to resume payment. They denied me again and again due to income. I told them that I can rent on of my room out to a friend. They said that I have to make it happen before I apply again. I provided them the rental agreement to show bump on my income. They denied me again. However, two representatives ( XXXX and XXXX XXXX told me to pay the $ XXXX to keep the account current. I asked my friend who is the renter to lend me an advance payment. When I got the the money, I had to wire the payment to a wrong bank information that both Selene representative gave me. So I created an online account and I did the payment using the online account because I was so worried. The online would not go through if I missed checking any box of the months I missed paying. So I checked all of it and paid $ XXXX including the penalty. After getting the payment, they denied my application and said that income is not enough. They took my money and recalculated the loan and told me that my income is not sufficient enough to pay the loan. I feel that SELENE FINANCE is extorting me and just want to get my home. Now, I am not eligible for loan modification and only eligible for deed-in-lieu. I wanted to keep my house and do not want to loose it. I would need help from you or any agency to hear my cry. Please help me.
|
| 12/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
I was approved for a trial modification earlier this year that was for 6 months, ending with the last payment XX/XX/XXXX. I made every payment on time. When it came time to sign the paperwork, I did not sign it, because Selene Finance made a mistake with the names of the people they wanted to sign the paperwork. From mid XXXX until XX/XX/XXXX, I reached out several times to the XXXX I had been working with by the name of XXXX and she never returned my calls. It was on XX/XX/XXXX when I spoke to XXXX of Selene that told me the approved modification package was old and I had to start the process all over again this time providing proof that the name XXXX XXXX was not on my deed and stating that XXXX XXXX and XXXX XXXX were not going to sign the modification, I was going to be the only signer. In addition the amount of money although I paid it each month was ridiculously high Selene seemed to be trying to set me up to fail. After receiving the paperwork from the Courts showing I was the only one on my deed, I complied and sent in an entirely new loan modification package, sent it in by XXXX it arrived to Selene on XX/XX/XXXX, and to date, they have not even looked at the loan modification package per my phone calls in speaking to different Selene Reps on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. On XXXX I was told by Selene Rep XXXX to write the loan modification/resolution department to ask for a review of my package sent in back in XXXX. And today when I called and spoke to XXXX I was told still nothing had been done, but yesterday XXXX sent someone here to take pictures of my house I happened to be outside, and the person told me to " call my mortgage company ''. XXXX whom I spoke to today told me she suggest I send in another new modification package! I told her every time I do this it cost me {$60.00} to {$70.00} to make copies and send off a package by XXXX, I asked her if I could leave a message for XXXX and she said she would make " note of my request '' but she could not reach out to her on my behalf. So I assume from mid XXXX to XX/XX/XXXX all the other Selene Reps were lying when they said they were sending XXXX interoffice memos while they were putting me on hold trying to get her on the line and/or saying they were leaving messages for her to call me??? Selene is not trying to work with me, even though I paid my trial modification payments on time. I am getting the run around, when all they had to do was change the paperwork taking off the names XXXX XXXX and XXXX XXXX from the original approved modification given back in XXXX, XXXX.
|
| 04/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom this may concern : We were approved for a loan modification with our mortgage company at the time. Consumer loan financing. Our first payment was due XX/XX/2021. I called to pay that but was advised our loan was sold to Selene finance XX/XX/2021. Therefore my payment was denied. As I was told all payment history on file was null and void with consumer loan financing as of the XXXX of XXXX. I spoke to consumer to see whom we were sold to. The response was Selene finance. Consumer gave me their number and I immediately started calling. I can not tell you how many times I called Selene probably 30x at least! I started calling around the XXXX of XXXX prettt much begging them to take a payment which had been agreed upon for the loan modification. Selene told me they could not take anything as records had not been downloaded from consumer and they couldnt prove they were my mortgager or that I had a modification. I was told to call back in a couple weeks. This continued I for many months. Then all of a sudden around XXXX they said they had the information and if I wanted to keep my house I had to pay 3 months all at once! At this point I knew we had put in for Covid relief funds thru Vermont and we would be approved. I told them this and every person I spoke to had something different to say! I would ask to speak to a manger and was told no multiple times! They would pass me through and if they did we never received a call back! Finally I knew we weee approved by Vermonts VHFA! But they could t pay bc Selene wasnt boarded with them! They too tried to contact Selene and got no where! Selene then sent our mortgage to a law ex firm for foreclosure. This was news to us we never received a letter from the sheriff saying so or even in the mail! Honestly our loan being sent to a law office probably add things easier for us as they actually responded to our calls and emails! MY DISPUTE IS THAT SELENE charged us for XXXX dollars in attorney fees when it never shouldve gotten this far had they honored the modification in early XXXX. Which I was told by my previous mortgager that was a law and they had to for 90 days! I would like to be reindorsed this money as this was on Selene and not us. As far as I am concerned this place of business should not be on business at ALL! Please see all BBB reviews they are all true! They have put us through a living XXXX And as far as we are concerned I should sue them for more than the XXXX dollars in fees!!!!!! Please take this all into consideration and refund us our law fees of XXXX! Thank you! XXXX XXXX
|
| 11/17/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
We inherited this property and its mortgage when my father in law passed away. The mortgage holder, Selene Finance, stated that we could just continue to pay the mortgage. In or around XX/XX/XXXX, they offered us a forbearance package because we were behind due to Covid and desired to keep our family home. We completed all necessary documentation pertaining to this. We received notice that the forbearance had been approved and we signed ACH documentation granting permission for the payments to be automatically drafted from our checking account. NOT ONCE has Selene Finance drafted a payment from the account or offered reasoning as to why this was not done. Once we recognized that said payments were not being withdrawn from our account we began to mail them checks on the account. These were NOT posted to the account. We were not notified that they were NOT being posted to the account. After unsuccessfully attempting to contact them both via telephone and in writing, I finally got someone one the phone. I was initially told that the forbearance was missing signatures but XXXX ( representative whom I spoke with ) refused to tell me WHOSE signatures were missing! When I asked why we were NOT notified of this I was informed that they had sent notification to the estate attorney, who has already told them the estate has been settled and she is no longer on the case. Said attorney did NOT forward anything to us as she is no longer getting paid because the estate has been settled. I requested to speak with XXXX XXXX in the XXXX XXXX department because this is the signature on the letter sent to us. XXXX REFUSED to transfer me to XXXX XXXX. I essentially got NO WHERE with this representative. So, I called back and spoke with XXXX, yet another representative, who stated that we were in default and nothing could be done to help us. I asked him to transfer me to XXXX XXXX and was told that XXXX XXXX was at lunch but he would leave a message for him to call me. I have NOT received a call back from XXXX XXXX. Dealing with this company has been an utter nightmare since my father in law passed away in XXXX. Our desire is to KEEP our home! We have jumped through every whoop they have demanded and we are still be jerked around! They simply want our home! They do not do the things they state they will do such as automatically draft payments, post payments made on the account in a timely fashion, or work with their clientele. We NEED HELP IMMEDIATELY! ( You and Selene Finance have my consent to speak with my wife : XXXX XXXX, pertaining to this matter ).
|
| 03/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
-XXXX XXXX XXXX : Client in forbearance with XXXX due to Covid-19 hardship.
XXXX XXXX : Client made a mortgage payment but it was returned, & his file was sent to Loss Mitigation , which asked client to submit paperwork.
-XXXX. XXXX : Client completed & submitted a loan modification application.
-XXXX XXXX : Loan modification was denied, no other workout options provided, and payment of past due of about $ XXXX demanded.
XXXX XXXX, XXXX : Client received a Notification of Assignment/Transfer letter from XXXX XXXX XXXX XXXX XXXX stating that effective XX/XX/XXXX, XXXX was going to be transferring loan to new servicer Selene Finance LP as of XX/XX/XXXX. ( Also, client found out that XXXX XXXX no longer is investor of his loan, when he tried to escalate this situation. ) -XXXX. XXXX : Client has never received a welcome letter or a statement from his new servicer Selene Finance LP . ( The only letter he received was for him to set up his bank account for automatic payments. ) -In XXXX client also applied and got a case manager from the Virginia XXXX XXXX XXXX XXXX XXXX ) to help him with the rest of the past due amount to pay Selene XXXX and to bring him " current '' on his mortgage.
-On XXXX XXXX, XXXX client called with a HUD Counselor & Selene accepted a payment of {$3200.00} ( 6 mos. ) & agreed that on XXXX they would accept {$530.00} monthly payment. ( He wanted to keep his past due payments under 20 months to be able to qualify for the VA Mortgage Assistance program. ) -XXXX. XXXX Client called, & Selene refused to accept payment & stated that Status was : " FORECLOSURE ''. Client has Never been Notified & was shocked! ( He was told, when he insisted, that it went into foreclosure on XX/XX/XXXX ; but no further explanation or letter has ever been provided to client. ) -The other problem is that the client has been requesting and must have A MORTGAGE STATEMENT from XXXX indicating the Past Due amounts so that the VA Mortgage Relief Fund can help him. ( Client is unable to access his online account to print one, as his account is " RESTRICTED '' due to the " Foreclosure Status '' on his account. ) -The client has been working with a HUD Counselor and they have called Selene and to try to get a mortgage statement emailed or mailed, but the representatives at SELENE have said they were not able to. When we asked to " Escalate '' to a supervisor, we've been put on HOLD & then the call gets disconnected.
-We feel we are stuck, and must ESCALATE this situation to the CFPB for HELP and to SAVE this client 's home!
|
| 04/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my Hud Housing XXXX, XXXX XXXX, XXXX and emailed to Selene Finance on XX/XX/XXXX at the email provided on their website provided, XXXX.
On XX/XX/XXXX, I received a notice from Selene Finance stating that they did not received any of my documents. On XX/XX/XXXX, I immediately contacted XXXX and an email was sent out to the assigned Loss Mitigation XXXX at Selene Finance that is working on my Loan Modification file, XXXX XXXX XXXX XXXX XXXX XXXX Ext. XXXX, XXXX and XXXX. Since no response was received I reached out to Selene Finance by phone and added a formal complaint for non-responsiveness. That same day, I received a call from XXXX XXXX and she confirmed over the phone that all of my documents were received and that they did not need anything additionally from me in order to proceed.
on XXXX, I received a letter from Selene finance dated XX/XX/XXXX where they are asking for the same items that they already confirmed on XX/XX/XXXX that they had. They additionally are requesting for an additional document XXXX rental lease of my second flr unit XXXX which I've advised on my hardship letter reasons of why that unit is vacant.
It is now XXXX and Selene Finance has not reached out to XXXX my HUD XXXX and is not responding to any of my communication. I'm only in $ XXXX in arrears which is a very minimal amount in comparison to others. My HUD XXXX XXXX recommended I reach out to you in order to get a resolution on this matter. If you can kindly assist in reaching out to Selene Finance as the deadline to complete the XXXX Modification with them is XX/XX/XXXX and their negligence is keeping me from meeting that date. Anything that you can do to assist will be greatly appreciated. If you can review with them the following that would be fantastic : XXXX XXXX Why is it that my assigned Loss XXXX XXXX, XXXX XXXX, is not responding to emails or calls?
XXXX XXXX Why did they confirm on XX/XX/XXXX that they received all of my documents and then proceeded in sending out a letter stating that the documents they confirmed they had are now missing?
XXXX ) Can they kindly reassign me a new Loss Mitigation XXXX preferably someone by the name of XXXX XXXX who is incredibly knowledgeable of the Loan Modification process and who worked on the first loan Modification I had to undergo with Selene Finance?
XXXX regards, XXXX XXXX XXXX XXXX XXXX | XXXX | XXXX XXXX
|
| 12/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX - Took a {$240000.00} mortgage with XXXX XXXX to consolidate mortgage, home equity line of credit and other debt. Interest rate 8.775 %. Poor credit caused the rate to be high. Payments {$2200.00} ( principal, interest, real estate and home owners insurance ) XX/XX/XXXX - after XXXX months of consideration process with then mortgage holder Selene Finance, XXXX and streamline modification granted taking the payments of {$2200.00} to {$2600.00} First payment due XX/XX/XXXX The new payment included all of the interest, fees assessed, et al. Contacted Selene to explain the purpose of the modification request was to lower the payments. Could not afford the {$2200.00} how was {$2600.00} or 17 % increase plausible?
XX/XX/XXXX - enlisted the services of XXXX XXXX XXXX to mediate on my behalf ( {$800.00} monthly fee. The original package supplied a Notice of Demand as to the predatory lending practices of Selene. The demand letter stated ( in part ) " ... have concluded that { we } can successfully plead cause of actions for legal violations under truth-in-lending act is associated Reg Z the consumer fraud protection act, common law fraud, unjust enrichment and the covenant of good faith and fair dealing ... '' in closing Intel order or verdict rescinding the transactions, award of any attorney fees, costs, return of all paid interest and closing costs. Statutory damages ; lawful interest ; compensatory and/or punitive damages ; cost of suit ; any other relief as the Court may deem equitable and just. Separate letter Qualified Written Request under the Federal servicer act.
Both attempts- with Selene LP and XXXX - needed to submit a Hardship Letter. Both entities were made well aware of my mental health disability.
Was self-employed. ( as an LLC which has been dissolved ) Cleaning service for summer rental was halved in XXXX. Did not work during the COVID summer season and was eligible to receive monthly benefits by means of the CARE Act and XXXX program XX/XX/XXXX - my doctor placed me on temporary disability currently no determinable return ( if at all ) date.
XX/XX/XXXX - spoke with XXXX as to why I would be getting the affidavit of intent to foreclosure. THEN it was communicated the letter or qualified written request were filed with Selene. No communication in any manner has been made with Selene and there are no attorneys at XXXX XX/XX/XXXX -Served by the Superior Court of New Jersey Chancery Division XXXX Foreclosure complaint The Court needs a reply within XXXX days
|
| 05/12/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
In reference to Selene Finance ....
I have contacted Selene with the problem at hand. First of all.
I received 3 different letters from them regarding my escrow acct. They say that we have a shortage. The first letter dated XX/XX/XXXX saying we owe {$530.00}. Then I received the second letter dated XX/XX/XXXX saying we owe {$440.00}. Of course these 2 letters say that they have automatically divided the shortage by 12 and included in my monthly payments. This has increased my payment to {$60.00} more a month. I then received another letter dated XX/XX/XXXX saying we owe {$280.00} and that it had to be in by XX/XX/XXXX. So I wrote the check and mailed it on XX/XX/XXXX. It was received by them and cashed on XX/XX/XXXX.
I called them in the beginning of XXXX to pay my monthly payment, I was told that they would not accept my payment because it was not the full amount, the escrow was added on. I explained to her that I already paid the shortage, she read all three letters that was sent to me, and that she still insists that I did not pay the correct amount. So for the next 3 weeks I have been trying to pay and kept getting the run around. She states that she was going to transfer me to her supervisor. I left a message and have not heard back from them since. I have called at least 6 times with no solution at all. I wanted the number to the escrow dept and was told that they do not have a number.?? What kind of XXXX is that? Big company that has no phone??? Seriously. I am not a happy person right now. They better not try to report my acct to the credit bureau 's either, because none of this is my fault. I was reading the reviews for this company and I agree with a fair amount of complaints on the XXXX site that this company needs to be investigated.
I have been diagnosed with XXXX XXXX, and do not have the energy to fight with this company. We are living on one income and they have not in anyway tried to help us at all. They say that we have to wait 2 years until we can apply for a loan modification and there is nothing that they can do to help us. But, SOMETHING HAS TO BE DONE. It is not only my mortgage, but alot of other people are being greatly affected by them.
PS. We did not chose Selene to be our mortgage company, we were with XXXX who then sold our acct to them. Before that we were with XXXX, XXXX and XXXX who embezzled our escrow money along with alot of other customers, and were investigated by the FBI. And we never got our money back from it.
|
| 07/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am being sued for foreclosure by a group of companies : Selene Finance/Selene Holdings and XXXX XXXX XXXX and XXXX Bank and possibly others that have joined the suit I have not had a hearing. My lawyer and I have - filed in court requesting for discovery - tried to negotiate, submitted offers only to receive outrageous responses, - never once been offered the option to refinance, or do a loan modification The plaintiffs ' lawyers have buried the court in hundreds of papers- many false or falsified, or misrepresentative of the actual facts None of these companies have ever once sent a piece of mail, made a phone call, or tried any in way to collect the " debt '' they are pursuing in the foreclosure. As the defendant I have never received any relevant information to make a payment or attempt to negotiate new loan terms. There are no documents with account numbers, or amounts owed, or payment process and submission guidelines ever received. There is a hearing for summary judgment this month I would like additional defense assistance against the illegitimate business practices of these companies. Please publish my information so that others may be aware of the unscrupulous practices of these companies. XXXX XXXX XXXX is an off shore division of XXXX XXXX that was specifically set up to acquire and foreclose on homeowners as a part of its {$5.00} XXXX settlement with the US Justice department for faulty mortgage practices. XXXX XXXX actually gets " credit '' for curing the loans it defaults on and the homes that are foreclosed on through this arm of its company. Never once has XXXX XXXX XXXX contacted me or my lawyer in good faith to " cure '' the loan and get it in good standing. The last time they said they were willing to " negotiate '' was during Covid shutdown when everyone had lost their jobs and nothing was possible. I had lost all 3 of my jobs within 5 days and could not negotiate anything in good faith.
Now XXXX Bank has joined the lawsuit saying they are now the " servicer '' of the loan in question. However I have never received on phone call or piece of mail from XXXX Bank and would never know that they would like to service my loan had they not recently joined the lawsuit. I would think that as the " supposed owner '' of the loan with the " supposed authority '' to collect a debt they would be very interested in negotiating to bring the loan current. However, their only interest from what I can see is to foreclose on the home.
|
| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX, XXXX XXXX transferred the mortgage to XXXX XXXX and Selene Financing became the servicer. The mortgage was a part of bankruptcy proceedings at that time. ( Attachment pages 3 and 4 ) In XX/XX/XXXX, the outstanding balance on my mortgage was {$89000.00} ( Attachment page 6 ) Between XX/XX/XXXX and XX/XX/XXXX, Selene Financing did not apply payments received from Trustee to my account. At the end of XXXX, the outstanding balance on my mortgage was {$87000.00} ( Attachment page 5 ) The calendar year XXXX payments were NOT applied to my account. XXXX XXXXSelene Finance communicated to the Trustee, bankruptcy attorney, and bankruptcy court my mortgage was in arrears. The Trustee and bankruptcy attorney would only discharge my bankruptcy once I paid the alleged outstanding balance of approximately {$14000.00} to Selene Finance. ( Attachment page 1 ) In XX/XX/XXXX, through the bankruptcy attorney, Selene Finance recommended a HAF ( Housing Assistance Fund ) grant to cover the alleged arrears on the account.
By XX/XX/XXXX, Selene Finance was aware they would receive {$18000.00} from North Carolina HAF, {$14000.00} to apply to the alleged arrears, and the remainder was to cover future mortgage payments. ( Attachment page 7 and 8 ) The payments I made through the trustee beginning in XX/XX/XXXX had applied to my account in XXXX XXXX more than a year later. ( Attachment page 1 ) After receiving the NCHAF funds in XX/XX/XXXX, Selene Finance acknowledges payments made by me through the Trustee but does not apply the funds to my outstanding balance. ( Attachment page 1 ) In XXXX and XX/XX/XXXX, Selene Finance did not appear in bankruptcy court to explain the misappropriation of funds. On XX/XX/XXXX, my bankruptcy was XXXX.
On XX/XX/XXXX, as retaliation for allegations of fraud, XXXX XXXXSelene Finance provided an erroneous update to credit reporting agencies, negatively impacting my credit score by XXXX XXXX
As of XX/XX/XXXX, XXXX XXXXSelene Finance shows an outstanding mortgage balance of {$67000.00} which does not consider all funds I paid through the Trustee and funds received by NCHAF.
In XX/XX/XXXX, the county presented a tax bill for payment. The tax bill underestimates my property value by nearly {$100000.00} as XXXX XXXXSelene Finance has sold off approximately a quarter acre of my lot during my bankruptcy.
Note : Attachment page 1 is a download of account activity from selenefinance.com
|
| 01/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am seeking assistance as I feel I am being taken advantage of by my current mortgage company. In 2019, my husband and I experienced a financial hardship as a result of our daughter needing XXXX XXXX XXXX. We were behind on mortgage payments as a result of medical expenses. I requested a loan modification through Selene Finance. Their modification ended up being more than my current mortgage payment which I could not afford. In XXXX of 2019 I took out money from my XXXX to pay the full amount that I owed Selene and to get us up to date. When they recieved that payment, they told me it was not enough to bring me up to date, and I owed them XXXX additional payments. In XXXX, I took out more money and paid them a lump sum again. The following month I sent my mortgage payment early so that I would continue to be up to date. Mysteriously, they did not receive my payment. When I called them to inquire about it, they told me it must have been lost in the mail. Their representative told me to contact my financial institution and put a stop on the check ( which I did ). The same day I went on their website and paid my monthly payment. Amazingly the following day they happened to find the check that was lost and they told me to stop payment on, and they attempted to cash it which resulted in a bunch of fees for me as well as now being recorded as another missed payment. As a result, I can never get up to date with this company. In XXXX of that year, they restricted my use of making payments online so I am no longer able to do that. In addition, the company never pays my property taxes on time, or if they do it is not for the full amount. Recently my mortgage payment has gone up by several hundred dollars and I am not sure why as the company is constantly charging me what they refer to as advanced fees. Also, during the month of XXXX I sent them my monthly payment which they returned because I did not add in their additional fees. I sent them another check for the entire amount which was returned to me again stating that I must now submit all payment via certified check. This company makes it impossible for people who were in a bad financial situation to get caught up and be up to date on their mortgage payments. I feel as if the company is designed this way. To constantly keep you in debt. As a result, I have terrible credit and can not even switch to a different mortgage company as a result.
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am writing to dispute the denial of my approved modification, for multiple reasons.
* Selene was mailing documents to the wrong address ; you had my address listed : I was not informed in a timely manner that my loan was transferred from XXXX to Selene, I never received email, mail, or a phone call to notify me of the transfer. The first contact I received was mailed on XX/XX/2022.
A payment was supposed to be drafted from my bank account on XX/XX/2022, and was not because the Selene Agent I spoke with via telephone entered the account number incorrectly. My account ends in XXXX, and the agent entered XXXX.
* On XX/XX/2022, I received correspondence ( dated XX/XX/2022 ) that my account was now in default, and I called on Monday, XX/XX/2022. I spoke with an agent I believe it was XXXX and explained the situation, and let her know I would have my bank mail a check to Selene. I got paid on XX/XX/2022, and XXXX XXXX sent a check on XX/XX/2022. On XX/XX/2022, I called and spoke with a different agent I believe XXXX, to figure out what happened to the check I mailed. I was informed the check was returned. When I received the correspondence dated XX/XX/2022, it stated as the payment is less than the agreed-upon amount required to cure the default on your loan, was not certified funds, or was not the agreed-upon amount. I was told to send the final payment in the amount of {$540.00} which was the agreed amount from the modification from XXXX, nor was I told to send certified funds. The letter also stated, we have been trying to reach you in reference to reference to this payment. The only contact was via letter, with no phone or email attempts. When I spoke with XXXX, I asked for the contact information for my Assigned Loan Resolution Consultant, but she could not provide the information requested. I am asking again who is the Assigned Loan Resolution Consultant, and how I contact them?
In closing, I attempted to make the 3rd payment both attempts were made within 60 days of my initial contact from Selene which was on or about XX/XX/2022, when I received the correspondence dated XX/XX/2022. All I am attempting to do is save my home and have the modification agreement I had in place honored. Again I ask that I receive any and all communication via electronic mail, as phone and USPS to date have been ineffective.
Thank you and I look forward to a timely response. Thank you!
|
| 01/23/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have had multiple issues with Selene Finance but the following is only a complaint regarding the escrow account. I had to file for XXXX XXXX XXXX XX/XX/XXXX after taking over the property from my ex wife. This XXXX was XXXX the end of XX/XX/XXXX. In XX/XX/XXXX we received an escrow analysis stating there was a surplus of over {$7000.00} but I would not receive the funds due to being in active XXXX. The official cure document filed in XXXX court on XX/XX/XXXX stated there was a surplus of over {$5000.00}. I received another document in XX/XX/XXXX stating that I had a shortage of over {$2800.00} and that my payment would be going up to cover the shortage starting XX/XX/XXXX from the regular payment of {$870.00} to {$1000.00}. My wife and I immediately started calling to resolve this issue as there was never a check sent to me nor applied to the loan account. The representatives state they escalate this information to the XXXX and escrow departments but no one ever calls back. We have spoken to supervisors and customer care advocates and their answers are always the same " we see what you are talking about we are still researching this ''. We were told that this would be completed by XX/XX/XXXX but now the date changed again to XX/XX/XXXX as well as " we can not commit to a date '' but I still must pay the additional difference in the meantime. We have emailed their customer care team that we disputed the shortage. No one seems to know where the money has gone.
From the time of the surplus in XXXX to the shortage in XXXX, only two transactions took place- {$580.00} in XX/XX/XXXX to pay for the property taxes and {$1400.00} in XX/XX/XXXX to cover homeowners insurance for the year. There are suspicious entries on the escrow analysis they provided where it shows a negative transaction of {$17000.00} and a positive entry of {$11000.00}. This has not been addressed although we continue to bring it up with every conversation we have had. I have also included mortgage statements where it varies month to month what is owed. At XXXX point we go from owing the regular payment in XX/XX/XXXX to owing {$21000.00} in XX/XX/XXXX.
Please advise the next steps as we have had to go so far as to contacting the XXXX to get a simple payment history, but the information we requested was not provided fully. We asked for XXXX to current and was only provided from XXXX.
XXXX
|
| 01/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX We were working on modifying our forbearance, due to the XXXX pandemic. Our loan was sold to Selene Finance, they were amazing at first. Very understanding, and willing to help. We filled out the application online and waited.
XX/XX/XXXX we were sent a packet, stating a modification, raising our interest rate and taking the loan our for 480 months. We were not excited about this rate hike, but the payment would be close to the same, we were under the impression were going to do a partial claim and the lump sum would be added to the end of the loan, and we would keep our rate. Again, we were told to fill out the application, they had dropped the ball on our timeline, their fault, but they would work on it, and we would modify soon.
We have received a foreclosure notice but are reassured our home is not in foreclosure.
We have been told this and that is missing, they won't accept this, this is what needs to happen, etc. Again, stalling the process so we are further behind.
XXXX has sent an inspector to our property, and the inspector not only once but twice has spoken to a third party who is not on the loan, about our loan. When I brought it to the attention of customer service, I was told the inspector for XXXX could speak to whomever they pleased about our loan. NOT TRUE!
XX/XX/XXXX we finally received another modification letter. The letter I received, was missing pages and very vague. We needed to respond within XXXX days of receiving this letter. When I contacted customer service, they emailed me an entirely different set of papers. We are approved but the rate jumped to 7 % for 30 years and the payment is now over {$500.00} a month more. this is not in our best interest. The dates and amounts do not match, nor do they add up. They want us to make the first XXXX payments to an account that will be put into a suspense account. With XXXX being the first month of the modification. We can only pay with certified funds. From what I understand, from complaints on their website, they won't post your payments.
I am in the process of working with my states HAF program to help, they said this is not what is supposed to happen. There are government programs to help do what's in the best interest for borrowers, because of the pandemic, and I feel XXXX is dragging their feet, so our loan becomes more delinquent, and they can take our home.
|
| 08/08/2023 |
Yes |
|
|
|
Web |
|
|
XX/XX/XXXX Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE Original Loan # # XXXX, New Loan # XXXX Selene Finance, It has been brought to my attention that Selene Finance had held the original loan # XXXX from which was sold/transferred from XXXX Financing XXXX XXXX. Selene Finance held the loan # XXXX from XXXX. The loan was then sold/transferred back to XXXX XXXX XXXX XXXX. Under the new loan # XXXX that was created by Selene Finance the loan was transferred/sold back to Selene Finance XXXX. On XX/XX/XXXX, Selene Finance sold/transferred the loan to XXXX XXXX XXXX
Selene Finance had no authority to offer any loan modifications, collect any payments consisting of principle, interest, and escrow. Selene Finance also had no authority to sell/transfer the loan because the loan was not held by Selene Finance XXXX XXXX the loan was paid off. In XXXX, according to legal official records filed in the XXXX XXXX XXXX XXXX the loan was authorized and held by a Government/State entity called The Florida XXXX XXXX and XXXX official records states Satisfaction Of Mortgage Note and Loan Modification Agreement in XX/XX/XXXX.
On XX/XX/XXXX, I spoke to XXXX, a customer service representative for Selene Finance and she stated within the documents that the loan has been paid off. I already had acknowledgement of this information.What is in question, why did Selene Finance sell/transfer the loan to XXXX XXXX , when the loan was already paid off.
I AM REQUESTING ALL DOCUMENTS PERTAINING TO THE LOAN, FROM BOTH LOANS # XXXX, AND NEW LOAN # XXXX I am also requesting to be reimbursed : ALL PAYMENTS INCLUDING PRINCIPLE, INTEREST AND ESCROW FOR THE YEARS XXXX, XXXX, XXXX, XXXX, XXXX, PAID TO ME WITHIN 30 DAYS OF THIS LETTER.
On XX/XX/XXXX Selene Finance generated a letter, NOTICE OF DEFAULT AND INTENT TO ACCELERATE. According to the Florida Office of Financial Regulations, this falls under XXXX XXXX practices. Selene Finance used unethical and unfair tactics generating a false document to receive money from a loan that was already paid off.
In closing, there will be a complaint filed with CFPB and HUD Department XXXX Housing and Urban Development about this matter. Also attached to this letter is the Legal document, Satisfaction Of Mortgage Note and Loan Modification.
Govern Yourselves Accordingly, XXXX XXXX
|
| 02/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
A few years ago my wife and co-borrower died. After a long exhausting battle with her illness and funeral expenses, I was unable to maintain our current household bills alone. In addition, I had the responsibility of caring for extended family members. There was a reduction in my once dual income household and a rapid increase in expenses. On top of that, my property was suffering from major repairs that I was unable to fix because I was using my income to maintain the bare living essentials, like heating oil. Shortly, after all of this began, I was faced with even more mounting problems by a loss of income from the pandemic. I am a XXXX XXXX XXXX and with schools closed, I was put out of work. I had to go on unemployment and got seriously behind on all my bills. Foreclosure actions commenced with my first lender. I was a widower and I wanted to liquidate the property and move on and not continue to fight in court. I was granted relief by the judge to settle in good faith. Ive attempted to apply for loss mitigation with my first lender, Selene. To settle with my second lienholder, I asked Selene to take a modest reduction of ~2 % to their total balance. But before considering my application they are demanding the identities of 3rd party buyers, by requesting everyones IDs. My agent explained that IDs are exchanged between attorneys at a closing but never during the purchasing/negotiating phase and that this type of demand can be seen as highly discriminatory and prejudice.
Selene has refused to consider my previous application that asked them to stop the foreclosure and settle for an extremely fair reduction of ~2 % so the second lienholder, that has a larger balance and is taking a larger reduction, can also be fairly negotiated. Now they are focused and concerned about the buyers personal driver license and identities, all of which are not a party to my loan. All other legitimate documents about the buyers have been supplied including NYS certificate of good standing, corporation documents/articles and proof of funds.
It appears to me that Selene is finding ways to deny me the opportunity to relieve myself of this home and burden. This complaint is to put the CFPB on notice of how SELENE does NOT work with homeowners who attempt to pay them back in good faith but practices discriminatory behavior to deny loss mitigation.
|
| 10/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My former lender was XXXX XXXX ; in the middle of a forbearance plan, they sold my loan to Selene. Since XX/XX/ 2022, I have tried to do a loan modification to bring my account to Good Standing. I have provided all the documents requested for that purpose and answered all requests in a timely manner. However, as time has passed, I have noticed many inconsistencies which I have previously discussed in my prior complaint. The last thing that I have done to cure my default account is to pay the XXXX missing payments to bring my account up to date. I spoke to one of the agents, whom stated that I needed to bring my account up to date with the XXXX payments. Why am I filing a complaint? Because today at XXXXXXXX, I received the second call during this process ( nobody ever called me, I am the one who is constantly making phone calls to find out the status of my account, and the correspondence procedures in my situation ). This person called today to find out about a pending loan modification application which I requested to work on. However, after considering all these inconsistencies with XXXX, my husband, my family and I have come to the conclusion that this company does not want to help me. Moreover, they are trying to take my home. My family did everything in our power, everyone contributed with something to bring my account to Current and I paid {$39000.00}. This money has been taken out of my bank, but it has not been deducted from my mortgage default payments. When he spoke to me today, he stated that the house is not in foreclosure, and that the payments should be posted to my account. At this point, I am very confused. For this reason, I am filing a second complaint. This payment was received on XX/XX/ 2022 -- they received my payment but are not taking out my pending default balance. I am trying to work with them but obviously they have another agenda. I am feeling frustrated, deceived and treated unfairly. My conversation with them was recorded, for my own records, but I told the agent about it. I am reaching out because right now, I feel really mistreated. Even then, I am doing everything in my power to work with XXXX. I can provide you with any documentations to follow up with this matter. I'm really grateful for your support on this. I really appreciate the services you provide to people in my situation.
|
| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Re : Selene Finance Mortgage loan # XXXX I was the primary borrower on a mortgage loan with Selene Finance. The co-borrower on the loan, my mother, passed away before the loan was paid off, she was also a widow. I paid the home off XX/XX/2022. The escrow reimbursement check was issued by Selene Finance XX/XX/2022, and sent to me in both names.
Because my mother died with no assets, no will and no bills, the XXXX XXXX FL probate office refused to open probate or an estate and appoint an administrator as there was no need.
My warranty deed to the property for which the mortgage loan was granted, is a survivorship deed granting any owner/co-owner of title the right of survivorship and property in case of the death of any co-owners without circumstance from other family members or persons who would feel they had claim to the deceaseds assets. In light of all this, On XX/XX/2022, I returned the check and included a certified copy of her death certificate and a letter of explanation and request, asking Selene Finance to reissue the escrow check in my name alone as it could not be cashed with her name on the check. The documents were received by Selene Finance on XX/XX/2022. To this date of XX/XX/2022. I have not received a new check.
I have emailed Selene Finances customer service department multiple times only to get form letters back by postal mail stating they received my communication and by law they had 30 days to respond but with no updates or explanations. Thats all that I have received back to date. I have called customer service multiple times only to stay on hold 30 mins or more and then be disconnected.
I feel that nearly 5 months is way more than long enough for Selene Finance to have reissued the check with the evidentiary document presented to them and the original check back in their possession.
At this point, they are in possession of money ( {$1100.00} ) that does not belong to them but belongs to me, and it seems they are refusing to cooperate ( even in response to the possibility of legal counsel involved ) with the request of the reissuance of the check in my name alone. This neglectful or willful inaction and uncooperativeness could be construed as theft. It may not seem like a lot of money to them but it is to me because it is needed to pay my property taxes for the 2022 tax year.
|
| 10/07/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This has been a really stressful week since I settled my mortgage to bring my account up to date. I was told by many of the XXXX XXXX that in order to bring my account to current, you have to make the XXXX due payments. I then made a payment of {$39000.00} on XX/XX/XXXX and the money has been taken out of my bank and registered in XXXX but has not been taken out of my balance. I have spoken to four different agents, one of them said, " your money is not registered '', then he found it. Eventually, then he said, " did you receive a reinstatement letter '', I said that I hadn't and I was told that I just needed to bring my default balance up to date. And that is exactly what I did. I left my account in a balance of XXXX. I have made several phone calls, one of the XXXX stated that I had a pending balance of {$120.00}, and that may be the reason why my payments has not been applied. But then she said, " wait a minute, that money can just can roll over to your XXXX payment. '' I emphasized that I paid the total seen on my dashboard and my mortgage statement and she admitted that that was something that should not occur and that she would discuss that with XXXX. Throughout the week, XXXX XXXX have said many different stories of why the funds have not been applied to my account. But today, Friday, XX/XX/XXXX, at XXXX one of the XXXX mentioned that the cash department is backed up with payments and that it should happen next week. The reason to why am I filling another complaint in regards to this situation is because I do not trust this bank at all. Their services have been really inconsistent and I have researched about their credibility and read about 18 reviews with similar experiences. Experiences where people claimed in that their house was in foreclosure and they did not receive the proper documentations and correspondence. Even when they made payments and the funds would be registered in the principal balance instead of their debt. On that note, this company has not been reliable and I do not trust or recommend it to anyone. I would like my account to be up to date before it gets in a worst standard. Throughout this week, I have recorded many conversations in which it is clear that my house is not in foreclosure. Please help me with the follow up on this and I am also seeking for assistance on this.
|
| 11/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American |
|
I have made multiple good faith attempts to pay this balance. Once in XXXX for a little over {$12000.00}. Sent via check that they never cashed nor was ever returned NSF. I had over $ XXXX in my checking account when I sent that check so the funds were good. That payment was sent in response to one of their regular monthly statements under what they categorized total amount to reinstate. The payment was sent well before the due date.
If they would allow online payments after a person gets 60 days behind, this would not have been an issue. They cut off online payments so they can earn additional fees and late charges.
Again I made a good faith effort to pay when I sent a bank wire on XX/XX/2023, per instructions from the Selene ( loan servicer ) representative, only to find days later that they returned the wire. No explanation.
Here is the acknowledgement from my bank that the wire was sent.
For account ending in XXXX : A Bank Wire disbursement from your account ending in XXXX to your bank was successfully completed on XX/XX/2023. Please remember that funds are made available based on your bank 's funds availability policy. If you have any questions or believe this is an error, please call XXXX.
When I called back another representative agreed that she found the recording of the call where the previous agent gave me instructions to re-instate. She agreed that the wire was received on time, agreed that the amount was correct and the funds were deposited. She said unfortunately they did not process the payment because a reinstatement letter had not been sent so my payment was rejected.
Now they want {$31000.00}. This includes {$230000.00} principal and interest which I am not disputing. They also want me to pay an additional {$8300.00} for fees incurred by them because of their loan servicing agent 's failure to accept payment.
Following are details associated with this complaint : Borrower : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF XXXX ACQUISITION TRUST Your Servicer is : SELENE
|
| 07/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XX/XX/XXXX after just learning I had been denied for a loan modification which i was seeking a forbearance sent in by a realty company, XXXX XXXX XXXX on XX/XX/XXXX. I received notification the house was up for sale. ( Note on XX/XX/XXXX received notice from XXXX XXXX that I could do a Short Sale. I said I didn't want it because i was hoping to keep my home and that was not wat i told that realty company to do and at the end of XXXX they told me to send in another borrowers package and so I received it in the mail.
*I called on the XXXX of XXXX to ask wat can be done and was told to send in a borrowers packet by the XXXX of XXXX.
*I called on the XXXX of XXXX and was told she would forward to the people to review it and I was amazed that they had had it for 5 days and had done nothing.
*I called on the XXXX of XXXX and was told you are in your 37 days and this was not explained to me as I was just approved for a Short Sale and was told to send in paperwork.
XXXX*I feel led on and with the previous company going behind my back I was not sure wat to do and have no where to go or any money saved, so I would be XXXX I have multiple agencies here XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX filled out, who are approving my applications as we speak. I now qualify for these as my son is no longer living here, so his income doesn't count.
**I 'm very confused as to how they can ask you to go through hoops and not respond and all of a sudden there is a 37 day requirement which in was approved for a short sale in the middle of but they still filed for short sale!!!. I called XXXX XXXX and never received multiple call backs or letters from XXXX XXXX. I have sent her multiple letters and borrowers package .... No response. I also have an investor XXXX XXXX interested in a short sale, which I was previously approved for! XXXX XXXX sent me a borrowers package in late XXXX or the agent did.
**Its no wonder this agency has a bad rating and its horrible what they are putting their customers through.
***Please stop the foreclosure and help me not XXXX be XXXX. I am XXXX due to a wreck in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
PLease help me... I DO HAVE THE ACTUAL RECORDINGS IF THOSE ARE NEEDED BUT COULDNT FIGURE OUT HOW TO SEND THEM
|
| 06/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My home loan with XXXX Mortgage in XXXX state was sold to Selene Finance late in XX/XX/2022. My home loan with XXXX Mortgage ( loan # : XXXX ) did NOT have an escrow account for insurance and property taxes and is clearly indicated as such in the closing documents. After I received notification that Selene Finance bought my loan ( Selene loan # : XXXX ), I created an online account on their loan processing website. The online account showed my first payment for XX/XX/2022 as {$10000.00}, which was incorrect. My mortgage payment was only {$7300.00}. I deduced that Selene was adding an additional amount to my payment to cover taxes and insurance as-if my mortgage had an escrow account. At the end of XX/XX/2022, after a lot of effort, I was able to prove to Selene that my mortgage did not have an escrow account and had Selene remove the escrow account they incorrectly assigned to my mortgage, and had my monthly payment adjusted to the correct amount. Half of my XXXX XXXX property taxes ( {$15000.00} ) were due on XX/XX/2022, and I paid them in full on that date. Apparently, Selene Finance mistakenly also paid the same amount to XXXX XXXX towards my property tax balance in late XX/XX/2022, despite not having any escrow account associated with my mortgage or any accumulated funds to go towards these taxes. They have now just sent me an Annual Escrow Account Disclosure Statement dated XX/XX/2022 showing an escrow shortage of {$25000.00}, and adding {$4700.00} to my monthly payment, {$2500.00} to go into an escrow account that my loan closing documents clearly state does not exist on this mortgage, and {$2100.00} towards " Shortage Spread '' to make up for the taxes they mistakenly paid and that I have already paid. I have made XXXX attempts to get this straight through their customer service department with no success. Receiving this escrow statement now has caused me to file this complaint in hopes of getting some sort of resolution. It is not my fault that they erroneously paid my property tax from an escrow account that doesn't exist, and it is a breach of contract for them to force me into having an escrow account with a new inflated payment to cover their mistake. They need to retrieve their funds back from XXXX XXXX and remove this escrow account from my mortgage.
|
| 03/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I lost my job and my mortgage lender sold my account to a debt collection company specializing in foreclosure. This debt collector got my account when I was five payments behind on my mortgage. From that moment forth they have told me they wan na help me modify my mortgage and do whatever is possible to keep me in my home. For the past 30 months I have sent them all my financial documents every time I gained employment, I have showed them several different ways that I am capable of paying my mortgage and an additional monthly determination to pay back the default amount. Each time I give them supporting docs They dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past three months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dropping me as they have many thousands of people.they dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past 30 months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dumping me as they have many thousands of people They are forcing my foreclosure and I was told to ask somebody for help. I have recently filed another appeal with Selene finance. They have told me from day one they were going to sell my house and I think Im at my wits end with them and Im not sure what to do. I can afford my mortgage but my credit is low and I can not get refinance. With this bank is doing to me is wrong, Im not sure if its a legal. I dont think they ever wanted to help me, I genuinely believe their intent was to sell my house when they knew the value was greater than the loan amount. I dont think it is fair of them as a debt collection company to not except payments from me besides the final amount which they kept increasing monthly. I have lived in this house for almost 20 years, and before this happened I had only missed a couple payments. These people are unfairly taking advantage of me.
|
| 12/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene Finance took over the servicing of our mortgage payments in late XXXX, and almost immediately raised our monthly payments by over XXXX % ( from {$3700.00} to {$5000.00} ). This was mostly due to a unilateral change that Selene made in the escrow collection agreement that led to an overall escrow shortage of just over {$11000.00} ( a {$7000.00} shortage caused by Covid-related forbearance had been distributed over 60 months by the previous servicer, but Selene opted for immediate payment when they took over the loan ; unbeknownst to us, our homeowners insurance premium had also been increased by over {$4000.00} ). After filing a complaint with the CFPB and XXXX, Selene did adjust the monthly payment to {$4200.00} ( an increase of about 15 % ) but this was only after we were several months behind on mortgage payments. We were encouraged to apply for mortgage relief, but Virginia Mortgage Relief denied our request since the purchase price of our home exceeded their maximum ( we purchased our home in XXXX XXXX, just before the crash ).
Having dealt with Selene for the last twelve months, we have become increasingly convinced that they have no interest in good-faith negotiation. For instance, we applied for a loan modification, but after Selene dragged its feet on our application for three months, they returned an offer with a monthly payment of {$5100.00} ( an increase of about 37 % ). Consequently, we decided that our only option was to reinstate our loan.
Pursuant to that design, we sent a letter to Selene on XX/XX/XXXX, requesting an updated escrow analysis so that we could get an accurate reinstatement quote ( we had drastically lowered our insurance premium in XXXX and notified Selene of the change ). Selene refused to perform an off-schedule escrow analysis in a letter from them dated XX/XX/XXXX, and did not order an escrow analysis even though we sent a written request on XX/XX/XXXX, via certified mail and email. Selene finally ordered the escrow analysis on XX/XX/XXXX, after I submitted a verbal request to customer service and a new email request on XX/XX/XXXX.
In the meantime, however, Selene has resumed the foreclosure process, and we were notified on XX/XX/XXXX, that our house will be subjected to a foreclosure sale on XX/XX/XXXX.
|
| 08/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
1. My mortgage paid out two Homeowners policies on the same day. They stated Nationwide did not meet coverage and denied the policy but then paid Nationwide the same day as XXXX ( policy coverage accepted them ) OUT OF MY ESCROW ACCOUNT.
2. Nationwide stated they sent MY MORTGAGE COMPANY a reimbursement check last week. Why isnt it posted to my account? {$1000.00} 3. My coverage with XXXX was effective 7/22. Why was I only reimburse partially for THE FIRE COVERAGE MY MORTGAGE COMPANY ACQUIRED?
4. April 2021 WAS NOT A LATE PAYMENT. MY MORTGAGE COMPANY applied it IMPROPERLY. WhenTHEY FINALLY corrected it, they stated they could not change the date they post it in the computer but they would NOT report to the credit bureaus due to THEIR ERROR. Its all noted on my account and I have copies. I have disputed this with my credit report several times and they keep denying the correction.
5. THEY have the balance on my account on my credit report as 25k, when in fact its 17K. I have disputed this with my credit report several times and they keep denying the correction.
6. All late payments this year was due to YOUR COMPANY WORKING WITH XXXX XXXX XXXXXXXX XXXX XXXX, which has paid them over XXXX XXXX. I have a SEVERAL letters from you all stating the follow : If your correspondence is related to a payment application please be advised that XXXX will suspend adverse reporting on your loan for 60 days from the date of receipt.
AGAIN, I have disputed this with my credit report several times and you all keep denying the correction.
7. Why is my account being charged a $ 20 monthly fee when XXXX is paying my current payments? What is the {$20.00} charge for? My mortgage company states inspection. Why are they inspecting my property monthly.
I have tried with XXXX for ANY DECENT CUSTOMER SERVICE. THEY HAVE EFFECTED MY LIFE AND CREDIT TO THE POINT OF A LAWSUIT NEEDED.
I Made MANY credit bureau disputes and even called them all MANY TIMES to discuss. Per phone calls, they are correcting it. Per disputes thru XXXX and XXXX, they deny the dispute.
I would appreciate answers and properly handling of my account. ** PLEASE NOTE THERE IS A CURRENT CLASS ACTION LAWSUIT AGAINST XXXX FOR SENDING IMPROPER DEFAULT/ACCELERATION/FORECLOSURE STATEMENTS.
|
| 04/08/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance purchased my mortgage from XXXX XXXX XXXX and my escrow was not transferred. Selene is now insisting that I have to pay the taxes and I am behind on my taxes now subsequently. Please see attached correspondence sent from XXXX confirming Selene Finance ownership.
NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred effective XX/XX/2022. This means that after this date, a new servicer will be collecting your mortgage payments from you. Nothing else about your mortgage will change.
XXXX XXXX , XXXX is now collecting your payments. XXXX XXXX , XXXX will stop accepting payments from you after XX/XX/2022.
Selene Finance LP will collect your payments going forward. Your new servicer will start accepting payments received from you on XX/XX/2022.
Send all payments due on or after XX/XX/2022 to Selene Finance LP, at this address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX If you have questions for either your present servicer, XXXX XXXX , XXXX or your new servicer, Selene Finance LP , about your mortgage loan or this transfer, please contact them using the information below : Current Servicer : New Servicer : XXXX XXXX , XXXX Selene Finance LP Attn : Customer Service Attn : Customer Service XXXX XXXX Mon to Fri XXXX XXXX to XXXX XXXX and Saturday from XXXX to Noon ( CT ) XXXX XXXX to XXXX XXXX CT Mon Thu XXXX XXXX to XXXX XXXX CT Fri XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, TX XXXX Former Account No. XXXX New Account No. XXXX Important note about insurance : If you have mortgage life or XXXX insurance or any other type of optional insurance, the transfer of servicing rights may affect your insurance in the following way : These products will NOT transfer to Selene Finance LP.
You should do the following to maintain coverage : To continue these optional policies, contact your insurance carriers directly and inform Selene Finance LP of any coverage you are planning to continue.
Under federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you.
Customer Service, XXXX XXXX , XXXX.
|
| 12/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
I am writing to formally lodge a complaint against Selene Finance regarding ongoing issues with my mortgage account management. Despite repeated efforts since early XX/XX/2023, both myself and my assistant, have faced continuous challenges accessing my account, resulting in significant financial harm and stress.
Issue Summary : Account Access Denied : Repeatedly locked out of the online account system, precluding access to loan statements and account management features.
Service Disruption : Reported system refresh in XXXX [ XXXX ] exacerbated access issues, with over a month 's delay in resolution.
Recurring Lockouts : Post-resolution, account access was again revoked, with current inability to log in despite multiple contacts with customer service.
Financial Consequences : Missed a payment due to an inaccessible account, leading to unjust late fees, account foreclosure, and over {$1400.00} in legal fees to rectify the situation.
Inadequate Customer Support : Multiple interactions with representatives, including XXXX XXXX and XXXX XXXX, yielded incorrect information and no resolution.
Impact and Request for Action : The aforementioned issues have not only resulted in financial loss but also considerable distress. The inability to access my own account feels akin to being held hostage for my own loans. The resultant foreclosure and late fees, coupled with legal expenses incurred to bring my account current, are both unjust and unnecessary.
Therefore, I seek the following resolutions : Immediate rectification of account access issues.
Full reimbursement of all late fees and legal expenses incurred due to this mismanagement.
Assistance in transferring my mortgage to a more reliable servicer.
Formal acknowledgment and rectification of the customer service deficiencies.
Enclosed are detailed records of all correspondence, calls, and interactions with Selene Finance representatives, documenting the chronology of events and failed resolution attempts.
I trust that you will take this complaint seriously and act promptly to address these grievances. The financial and emotional toll of this experience has been significant, and immediate action is imperative.
Thank you for your attention to this matter.
|
| 09/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
In a nut shell- My mortgage was sold to Selene Finance XXXX XXXX, 2021. ( that is all I know ; I understand Selene is not a bank yet I can not get info on who actually owns my loan ) I received the run around ever since. I set up auto pay from the beginning with Selene. They continued to say I did not and never had record of any of my contact with them. I have spoken to more representatives there than I can count. They never follow through with their promises to get to the bottom of problems and lie saying they'll remediate the issues then call you back, they never do. ( even if I talked to someone who sounded genuine ) In the end they merely hang up on me after treating me with condescension.
My mortgage was sold, XXXX, 2021, Selene began servicing. They ruined mwould y credit after reporting me delinquent for nonpayment ( XXXX ) months in a row saying I did not set up auto pay. I finally had them draft the full amount ( s ) they said I owed, including all fees because they sent me a foreclosure notice. They will not repair my credit or take any blame, rather they continue to claim communications and " set up '' did not happen. A {$12000.00} Mortgagor escrow overage check was issued ( I saw on my online account ) which I never received. Each time I expressed this on phone calls the reps would put me on hold, transfer me, then finally claim that they redeposited the funds back to my account. They did not. I have been told I have a deficit in escrow and they raised my monthly payment to an amount well above what I was paying with the former mortgage bank. I have always carried homeowners insurance and always submit my insurance declaration page if/when it is requested, as does my insurance agent on my behalf. Selene continues to charge me outside insurance no matter how many times I prove ( as does my insurance agent ) I hold insurance, and always have. They have lied to me saying, " Just be patient and it will all be worked out and be removed. '' but it has not and does not. I have been charged insurance, fees, late fees, been reported delinquent, and currently am being charged {$16.00}, XXXX for insurance on my home that I have insurance on! ( My top notch policy is $ XXXX ) PLEASE HELP ME
|
| 01/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
1. Selene Finance response to CFPB complaint no. XXXX was chalk full of lies and omissions.
2. Selene Finance did not mention that I had been on a COVID19 Impact Forbearance with a previous Servicer for two consecutive ( 6 ) month periods. That is one of the reasons a payment had not been made since XX/XX/XXXX.
3. Selene Finance failed to mention that their customer Service Rep in XX/XX/XXXX deliberately told me that Selene Finance would not honor a Repayment Plan that had been set up with a previous Servicer because it covered too many past due months and that they only do so for 3 - 4 months. This was done to prevent me from making the XX/XX/XXXX payment just as the XX/XX/XXXX had been made directly to them via USPS certified mail. USPS Certified mail was the method of payment chosen due to Selene 's very bad reputation found online for all kinds of plots and schemes played out to enable foreclosure. Hence a letter was sent to me dated XXXX that the repayment plan was being terminated due to a missed payment and a lawsuit for foreclosure has since been filed by Selene.
4. When a notice from them received only a few days prior to the XXXX deadline where they stated they would acknowledge & honor the previous Servicer 's payment plan, it was too late for XXXX 's XXXX payment to be made in XX/XX/XXXX. The form was signed, dated and faxed back to them on XXXX.
5. One of their rep 's did offer me on XXXX to make XXXX 's payment on XXXX and XXXX 's payment on XXXX to get caught up when I called in to let them know the form had been faxed back to them. I did not have my checking account info with me at that time and he said he could call me back the next day for it. When I arrived back home, I noticed arrangements had also been made with another creditor. I called Selene back and spoke with XXXX. I requested two more weeks to catch back up. XXXX spoke with her manager who stated both XXXX and XXXX 's payment would need to be made by XXXX.
6. I called Selene XXXX and was spoke with XXXX as was told only the full amount of past due would be accepted. ( This is well over $ 10k ) 7. Selene Finance should be held accountable for their purposeful deceptions to speed up Foreclosures.
|
| 10/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a loss draft case opened for damage to my home/roof. Selene Finance, LP received a 2nd check for my account on XX/XX/2020 from the insurance company for the remainder of the work. This check was to be mailed to me to finish pay for the work that was done. Today is now XX/XX/2020 and the check still has not been mailed out. I have been given the run around this entire time from different representatives. I was told an inspection was needed. I have not talked to an inspector nor I have I received a voicemail from an inspector acting on Selene 's behalf. I explained to their employees several times that I work during the day and I would need a message to let me know someone is trying to contact me. I requested to speak to a manager during one phone call, after waiting for 20 minutes I was forced off of the phone because the representative said she could not tie her line up any longer. She assured me that a manager would contact me within 24 hours. This never happened. The file owner, XXXX, who has only reached out once since XX/XX/XXXX, has been of no assistance either. When I finally talked to her after several weeks, she said the check would be released. It still has not been released. Every time I call its the same story, that I need an inspection. Apparently they use an outside vendor who they say is calling, however, they are not leaving a message. I explained to 4 different representatives and included on 3 different voicemails that I work during they day and can not answer the phone. I have to have a message to know who is calling and what number to call them back on. A company should not be allowed to hold monies that does not belong to them and feel no responsibility to adhere to rules or regulations. The roofing company has issued a lien against my house because the remainder of the money has not been paid for the work they completed. I have already paid my portion of {$1000.00}, the deductible, and I should not have to pay any more out of my pocket. As I am typing this I am on the phone with a representative now, XXXX, who is great, however, unable to assist me. Again, a manager is unavailable. Another inspection has been ordered. The circle just continues.
|
| 11/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
Older American, Servicemember |
|
XX/XX/2023 I submitted a Hardship modification package on XX/XX/XXXX, time stamped and documented that it was received on XX/XX/XXXX, which is 40 days prior to my scheduled foreclosure. I was told by Selene customer service that the modification package was not received in time for review.
In accordance with the applicable regulations, if an account servicer receives a complete loss mitigation application XXXX ( XXXX ) days or more before a scheduled foreclosure sale, the account servicer is required required to initiate a loss mitigation review and suspend active foreclosure proceedings.
Once again, I am being told XXXX different stories from XXXX. First, the package was received on XX/XX/XXXX, so Selene doesnt have enough time to review, clearly that is incorrect. So, when I challenged and proved the package was indeed received on time, the story changed. Now I am being told the package was incomplete, curious that that if you dont have time to review how do you know its incomplete? I asked what is incomplete and got no answer.
The bottom line this a trend with Selene, to find a way to not approve. Even when a modification was approved it was the worst-case scenario out of many that Selene could have approved. Selene would not even take in considerations $ XXXX in funds from the XXXX program and tripled my interest rate.
I have the following available to me if only Selene will approve and end this fiasco XXXX XXXX XXXX on Selene approval XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX approval $ XXXX XXXX Legal XXXX XXXX XXXX XXXX Personal Certified funds available XX/XX/XXXX XXXX XXXX Total payoff $ XXXX 30 days after HAF approval XXXX loan will be fully reinstated! All funding above can be verified and approved ONLY WAITING ON SELENE!
I have worked tons of ways to get my mortgage back on track, each time instead of embracing the solution XXXX has gone out of its way to deny or make it unmanageable.
Again, the above is a way to fully re-instate with no need to modify. Will Selene accept?
I need acknowledgement and agreement of my proposal that fully re-instates my loan. Its a win for both parties why would possibly deny!
XXXX XXXX XXXX
|
| 04/24/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/2023 XXXX XXXX Loan number : XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX My name is XXXX XXXX.
*I applied for a loan modification XX/XX/2023.
*however, it took a total of five email submissions for my modification documentation to be received by Seline loan resolution department.
*I believe my modification request was denied in error. For the following verifiable facts, I am asking for a re determination.
1. My modification request was processed under conventional loan qualifications and requirements when my loan has always been an FHA XXXX XXXX. Original XXXX number XXXX XXXX XXXX XXXX. My previous loan services Always recognize my loan as an HHA XXXX XXXX Government Backed Loan 3. Due to Seline processing my modification under conventional loan qualifications I believe I was denied an modification in error 4. I have not received any communication/Explanation of how my loan was changed to a conventional loan 5. I did not receive any communication that my loan modification request was denied nor the reason it was denied. I was only informed that my home was back in foreclosure with a sale date when I called to inquire about my modification request.
During that conversation with your customer service representative, I was informed that my loan modification request was under a conventional loan modification request and not under the government sponsored modification under XXXX XXXX or XXXX XXXX.
At that time, I expressed concerns that my loan has always been under XXXX XXXX and at no time was I aware of it being changed nor did I authorize or sign any documents for it to be changed to a conventional oan. I was guaranteed to be contacted by someone in the correct department regarding my loan showing as a conventional loan instead of a XXXX XXXX under XXXX XXXX ID XXXX I have attached a new loan modification request with the following documentation.
1. Power bill 2. Check stubs 3. XXXX XXXX 4. W2 ( XXXX ) 5. XXXX XXXX 6. IRS Avidavit also delene has put many late paymnt charges and additional fees. my income chnaged due to the pandemic i shoud not have late charges and my credit has been effected
|
| 12/16/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX Mortgage XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX
Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021.
Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner.
Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.
|
| 12/16/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX XXXX XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX
Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021.
Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner.
Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.
|
| 11/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
On XX/XX/2023, Selene Finance sent a Reinstatement Quote good through XX/XX/2023, which totaled {$16000.00} and which was paid in full on XX/XX/2023. For the months of XX/XX/2023 through XX/XX/2023, my montly installment due was {$1500.00}. For the months of XXXX through XX/XX/2023, Selene indicates that my monthly installment due is {$2000.00} for a difference of {$520.00} per month for those months, with no explanation of the payment increas of {$520.00}. Monthly late fees are {$48.00} which totals {$290.00} for the months of XX/XX/2023 through XX/XX/2023. XX/XX/2023 's installment was paid on time, therefor accrues no late fee. The statement indicates late fees and " other charges, '' but does not break down those " other charges. '' The attorneys ' fees of {$1600.00} were included in the {$16000.00} reinstatement installment on XX/XX/2023. There is a " Corporate Advance Balance '' of {$830.00} with no explanation of what a " Corporate Advance Balance '' is. The monthly installment of {$1500.00} includes, and always has included, taxes and insurance. My mortgage is now current and should NOT be {$2000.00}. There has now been {$1500.00} ( {$520.00} x XXXX ) paid extra for the months of XX/XX/2023 through XX/XX/2023 and another {$2000.00} due in XX/XX/2023 for a total of {$2000.00}. On the XX/XX/2023 Mortgage statement it is indicated that escrow had a negative balance of - {$3300.00} and XXXX ( XXXX ) separate escrow advances totaling {$2900.00}. On the XX/XX/2023 Mortgage Statement, it is indicated that escrow now had a negative balance of $ XXXX for a difference of {$1500.00} in the XX/XX/2023 and XX/XX/2023 Mortgage Statements. On the XX/XX/2023 Mortgage Statement it is indicated that there was yet another escrow advance of {$4800.00}. Again, my monthly mortgage installment of {$1500.00} does, and always has, included both taxes and insurance in that payment and my monthly mortgage installments are current and paid through XX/XX/2023 as of XX/XX/2023. There seems to be no justification in the {$520.00} additional monthly charge on my XX/XX/2023 through XX/XX/2023 montly installments. Explain IN DETAIL please.
|
| 07/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance is the mortgage servicer on this loan. They have incorrectly dated the closing of the loan in XXXX when it was actually closed in XXXX. This has created a significant set of issues that have not been resolved by Selene, despite dozens of calls and emails to rectify the matter.
The note, payment schedules and all documentation correctly call for the first payment to be due on XX/XX/XXXX. Payment for the remainder interest of XXXX ( the month of closing ) was paid at closing, as is customary with loan closing procedures.
But because their error has the closing date in XXXX, since the inception of the loan it has reflected an inaccurate first payment due on XX/XX/XXXX. That is impossible for a loan that closed in XXXX, since XXXX was collected at closing and XXXX had not yet accrued. The note and all documentation correctly call for a XXXX payment on XX/XX/XXXX.
Therefore, every payment I have made is inaccurately categorized as 30 days late. This has also now been reported inaccurately on my credit. Additionally, Selene has been unable to credit that first payment to my account because it was delivered via bank check.
I have called Selene every single week since the inception of this issue. Every time, a customer service agent finds the correct note and documentation, starts a case, and sends it to be corrected. I am given a date of correction each time which is false. Nothing has happened.
Every single time I call, it starts over. They do not contact me or issue a case number or attempt to rectify the issue.
Selene has the appropriate documentation yet refuses to correct the issue. Every party has the correct documentation the county recorder, Selene, myself, escrow, notary. But Selene still refuses to correct it after dozens of calls and complaints filed.
Now they are inaccurately reporting this information to the credit bureaus ( after acknowledging and identifying the error ) in violation of a few laws.
This must be corrected immediately. They must correct their files to reflect my correct loan inception date, my on time payment history, and correct my credit file without delay.
|
| 12/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, we received a loan modification offer from XXXX XXXX XXXX which would be activated by our payment of {$780.00} on or before XX/XX/XXXX. On XX/XX/XXXX Selene Finance acquired our loan and I waited to make the first payment until the paperwork had been processed by Selene. I have attempted to contact Selene multiple times with either no response, or no response that addressed the issue of the loan modification offer from XXXX. When I was able to get through on the phone lines, I spoke with agents who were unable to assist me. On XX/XX/XXXX, XXXX ( agent XXXX ) told me I needed to send Selene a copy of the loan modification agreement so that we could get this resolved before the first payment due date of XX/XX/XXXX and to not make a payment to XXXX. I followed up the next week and was told the information had still not been entered into the system. After that, I asked to speak with a supervisor when I called, and I was told they did not have the information necessary to work with me. One agent referred to the Selene website as their website, so I am not even certain I was speaking with Selene agents. No agent acknowledged receipt of paperwork from XXXX regarding the loan modification or receipt of the paperwork I sent requesting the same from Selene. I never received any response from any of the emails I sent, which included the prior paperwork and a loan modification request to Selene, which I was told I needed to complete to pause foreclosure.
At the time of loan transfer, the balance on the loan was {$120000.00} ( XXXX ). Selene stated the balance was {$130000.00}, a {$10000.00} increase. ( XXXX ) In addition, Selene charged late fees and a home inspection fee prior to even contacting us about the loan modification. While I understand this is a terribly busy time, whomever is following up on foreclosures seems to be right on track. We would like to note that the letter of foreclosure had a registered mail stub on the envelope that was in the mailbox although no one living in the home signed for it. This could be perceived as an attempt to falsify confirmation of receipt.
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
To whom it may concern, According to Selene Finance my loan transferred from XXXX XXXX XXXX 10 years ago and today date ; this company has never sent me a Mortgage statement until today XX/XX/XXXX with the statement payment due is {$1800.00} due on XX/XX/XXXX,. I made this request at least 1 year ago requesting previous mortgage statements and was never sent to me after being told I must put my request in writing and allow them 30 days to respond. In addition, My real estate Taxes for XXXX are Delinquent. I am in the process of refinance a Mortgage with a cash through the XXXX XXXX XXXX XXXX and after bringing my loan current by making a double payment in the amount of {$900.00}. All of a sudden the current status of my payments changed and I was told XX/XX/XXXX that now I owed {$900.00} and as usual the day before I was not able to use their automated payment system on the phone system. I had to speak with a representative to pay my bill that was seldom allowable to me. A year ago I could not close on a refinance loan with XXXX XXXX because of them not having issued me any mortgage statement, I had to request a payment history from Selene finance which was provided to XXXX XXXX making my paying appear as if I only payed 6 months out of 2 years, which caused me to be denied approval for my refinance and cash out, to make home improvements, etc. Furthermore, they are trying to cause this loan to be denied as well. IT was less than 5 days ago, my payment due was {$530.00} for the month of XXXX until speaking with Selene 's Customer Service ( Loss Mitigation Department ) on XX/XX/XXXX, Now I was due to pay, now within two days I owe a payment due for XX/XX/XXXX {$1800.00}. I paid {$530.00} after the representative I spoke with said, " I can put the difference on the back end of my loan ''. XX/XX/XXXX. I have a tentative approval again with a XXXX score of XXXX now awaiting the paperwork from Selene Finance and now all of this confusion and no prior knowledge of this information!!!
Please assist me in resolving this problem affecting my ability to leave this company!
|
| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX Good morning, Were reaching out to you - once again - to bring to your attention, the manner in which Selene Finance has handled our loan modification. While were grateful that an offer was extended, the terms of this modification are absolutely unacceptable. The most obvious issue here is that there are two separate balloon payments which represent arrearages that have not been itemized {$71000.00} and {$34000.00} There is no breakdown, whatsoever, as to what constitutes either of these amounts There is also no mention, whatsoever, of the application of the SEVEN TRIAL PAYMENT PLAN PAYMENTS that we made, totaling {$7900.00} There is also an issue regarding Corporate Advances that Selene claims to have incurred from the transfer of our loan on XX/XX/XXXX, from XXXX XXXX. The amount claimed by Selene is {$7200.00} and after going through the charges, it appears as the actual number is only {$5300.00} These issues alone are troubling enough, but if we bring into question whether or not Selene Finance actually used the FHA Waterfall Guideline when modifying our loan. It's clear that we now have a loan with a full payoff amount that is nearly 225 % loan to original pre modification principle balance. There is absolutely no way that Underwriting could have signed off on this modification Of even greater importance, we've submitted TWO qualified written request letters, requesting an explanation of these issues and the 30 day review period has passed- with no response. We spoke with them on XX/XX/XXXX, we were told that the itemization of these fees would be included in the FINAL Loan Modification documents - after we accepted and signed it Again, this is yet another violation of Federal Compliance Guidelines, as well as RESPA laws Were asking that you step in immediately and demand that Selene explain themselves and take immediate corrective action.
Pictures of all documents sent and received are included in this complaint. Thank you for your assistance with this and I'm available anytime to discuss this matter in detail XXXX XXXX XXXX
|
| 07/24/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX primary residence and mailing XXXX I am writing this complaint as a last resort. Last year with covid we were treated in disregard by XXXX I have attempted to get all documents relating to our loan since my initial complaint, have called left voicemails and sent emails with zero response from the company I have went online to make payments and not been able to or to even see my loan history or where all these fees late fees etc. I requested a forbearance which was initially supposed to be granted but due to them telling me that I didnt have fha I set up a repayment plan. I then paid on this as agreed and then we had a horrible storm come through causing damage I requested a forbearance which was granted of 6 months a rep came out and took pictures afterwards of the roof and a few other things and said they would be in contact but I have failed to get anyone with Selene to answer my home has multiple issues that need repaired and I am currently working with the office of disaster assistance /fema as directed I have asked again about forbearance payment arrangements etc all I have gotten from them is a forclosure letter stating XX/XX/XXXX as the date I even ccd the attorney office on this, XXXX XXXX requested documents as well in regard to this being fha and to distribute these per respa and they still have not : I am trying to keep my home, I am an XXXX veteran, we have been through this with them several times and I never can get answers or we are treated like we do not matter. I was informed by an attorney They still have funds left from he bailout in XXXX and received even more to help homeowners which have not been used. We need help and to be able to stay in our home and have it repaired appropriately instead of living somewhere we cant even get the mortgage company to answer a call to even get a check signed by them for repairs to be done. When I went online and checked about this numerous complaints were found with the same issues. This is very sad to be treated in this way when we have had our loan since XXXX
|
| 04/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Dear CFPB, My name is XXXX XXXX and I went through the first time homebuyer program called XXXX and XXXX XXXX located in XXXX, Florida, and the coordinator was XXXX XXXX. I owned my own land and received a FHA construction loan, and built a home on my own land. My loan originated as a FHA loan, The original loan was with XXXX, which is now out of business. My loan has been transferred at least 8 times and during a plethora of transitions of the loan, the loan was converted from FHA to Conventional without my knowledge.
How I was aware of this debacle is when Selene Finance had my loan in XXXX, and then it was transferred to XXXX XXXX, which is now back to Selene Financing XXXX. I have endlessly been fighting to rectify this. I have come to a conclusion as to why my loan was transferred from FHA to Conventional and was attempted to force into foreclosure. I feel that I have been discriminated against due to economic disparity, race, being a single mother, which are grounds of violating my rights which is Title VII of Civil Rights Acts of XXXX which is the Fair Housing Act. I will send the original Mortgage note upon request.
On XX/XX/XXXX, I called Selene Finance and spoke to XXXX in customer service and stated to him that Ihave received a letter stating that the loan will be transferred to XXXX XXXX on XXXX XXXX. I also stated to him that the letter was dated XX/XX/XXXX, and that I received this letter through U.S. mail on XXXX XXXX. Furthermore I stated to XXXX to review the Mortgage documents and the note and he agreed that on the documents it clearly states that this is a FHA loan. As evidence, I requested the caller id number which is XXXX, and the call was recorded. By law, your Lender has to inform the borrower that the loan will be transferred. This company is very unprofessional and practices very questionable lending practices. I filed a complaint with concerns with Selene Finance in the past about this companys practices. Attached to this letter is evidence pertaining to my loan.
Thank you, XXXX XXXX XXXX
|
| 04/27/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
I have not received All of the answers to all of my questions! First I want to know why my Payment was not excepted in XXXX of 2022? I had until the XXXX of XXXX to make my Payment. I called XXXX & XXXX of XXXX, Why did XXXX XXXX XXXX not accept my payment, Not transfer me when I had told them I had a problem with the name on the account and the payments were not behind, they did not pass on my information, they would not do anything in XXXX? Why wouldnt they transfer me & why must I repeat this again? Did you read my letter! Didnt anyone understand what I wrote! I stand by my first letter and all my letters and now I am saying I will do a deposition, swear on a XXXX in a Court of Law, Take a Lie Detector Test and Testify! My son too! I remember it all now. XXXX XXXX XXXX XXXX XXXX want to take my home. Your company assumed I owed this money & I did not! You customer service Representatives did not pass on my inquiries and did not do their jobs. You show Bank XXXX XXXX XXXX & tell me about 3rd Party Lawyers, lie about what I said dates, money amounts, and payments I made! I asked you what I want and I was not late and when XXXX took my account you did not do the work! You blame it on me! Your wrong! I stand by it all and I was unconscious in my accident and XXXX awake now! XXXX serious. I want my answers and you are refusing me and my XXXX documents! Now you are talking about the condition of my house! I talk with your representatives many times about this, no one cared? I have not been downstairs in 2 years. Each copy was XXXX cents. Its on the XX/XX/XXXX statement if you add it and you ruined my life and Im going to tell you your omsbudsman hasnt called me in 8 days, why? Never called me back? I never got my point of contact or my modification answers. I have a lot more to say!
Ill write back because its my right. You cant steal my house because you are wrong and you hurt met my son and I. You also said you dont work with 3rd party Lawyers, why? I be waiting to hear back from you ASAP! Have a Nice Day. XXXX XXXX
|
| 08/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our loan is serviced by Selene Finance, LP. It was an investment property which is now our primary property. Selene had given us a rate of 5.85 % as an investment property. We had renters staying there from XXXX till early part of XXXX. They stopped paying rent as their business was affected by Covid and they have moved out since and we have moved in and is now our primary dwelling. We are affected by not being able to get jobs to sustain us as we previously did due to our age. The tenants were protected by eviction ( rental ) moratoriums and now that they have left, we are left owing their arrears. We have a lot of equity in the house and want to hold it for another 3 to 5 years at least. Therefore we have requested Selene Finance to work with us on an affordable loan modification and they are not dropping the rate from a investment account to a primary owned property.
For the last 3 to 6 months, we have requested Selene Finance for a loan modification that will help us retain the house by 1. Deferring the arrears to the back of the loan 2. To drop the current rate of 5.85 % ( investment home rate ) to around 2.5 % ( more in line with a primary home rate ) 3. to spread the terms over 40 years to make it more affordable for us We have made this request a couple of times by increasing withdrawal from our retirement income. They have denied us the loan modification based on our income. I have requested to see what interest rate they have used to qualify us and deny us and what income we need to have. We have also requested the investors name and contact information and they have denied to furnish us with this information. We would like CFPB to get involved and have them work with us.
We have appealed their denial before and we will be appealing their second denial as we submitted our second application based on numbers given to us by some kind souls at Selene trying to help us get a loan modification and they still denied us.
Please help us with this process. Thank you. Your help is greatly appreciated.
|
| 11/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
Back in XXXX, I filed for a modification in which selene finance gave me the run around pertaining to documents and their dates. Then once I finally figured out what they were up to I decided to send it all in at one time then I was denied, but by that point I was XXXX in debt and they pushed me into foreclosure. That has since been resolved.
In XXXX of XXXX they received an extra payment and I don't know if they kept it or applied it to my loan.
In XXXX of XXXX they stated I had an escrow shortage for a little over 200 dollars and that was about XXXX bucks to be added to my mortgage for 1 year, but my mortgage was higher than that, when I did the math there was an extra XXXX dollars unaccounted for. When I asked why I was told it was part of the escrow shortage. If that's the case, why wasn't it included in that XXXX total that was divided by XXXX mo? Lies. Next around XXXX / XX/XX/XXXX I received another letter stating that I had over XXXX in cooperate fees and when I called in they said it's because I called in and had them look at my account for a modification, which I did not! So I threatened them with a lawyer. Mysteriously XXXX later I received another letter with Selene finances apology attached stating " there's an error '' and they'll be removing that XXXX off '', which they did. Now we come to XX/XX/XXXX and I received XXXX letters. The XXXX was to notify that I have yet another escrow shortage. That XXXX letter had no total. The XXXX letter came XXXX days later and now they're stating I'm over XXXX short! How? I have not missed any payments, my interest is a fixed 5 % for XXXX yrs, my homeowners insurance decreased and also I noticed on that letter that XXXX tax installment Selene has it wrong. They have it listed for over XXXX when in fact I have the actual bill showing a little over 1200. They are padding numbers hoping people won't catch it! Selene finance are a bunch of crooks! I'm XXXX on a fixed income, I can not afford to be throwing them money for no good reason.
|
| 01/12/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My loan servicer was XXXX XXXX XXXX with the loan number XXXX. My loan was transferred to a new servicer, Selene Finance LP starting on XX/XX/XXXX. On XX/XX/XXXX I received a letter ( attached ) from XXXX XXXX XXXX notifying that they are the new loan owners and confirming that Selene Finance are the new servicer and that all things regarding my loan have to be done with the servicer. The letter shows the same loan number that was used by XXXX XXXX. No further information on the loan was specified. The address is the correct one.
As of today, XX/XX/XXXX I haven't received a single letter or phone call from Selene Finance regarding my loan. I did try to log into their website but the loan information that I have ( that is the one from XXXX ) is not valid in their system, so right now I'm not able to see anything regarding my loan with them. I wrote three different emails to different email addresses that Selene have on their website and haven't received any answer neither. My email is XXXX and that's the one I used to write the emails to Selene .
For some really strange reason, their customer service numbers XXXX ( XXXX ) XXXX, and any of the other numbers with 877 prefix, always return a busy tone. I'm from Puerto Rico and the residence on that loan is located in Puerto Rico and I haven't been able to complete a call to any of their customer services numbers from almost 10 different phones including land lines. I contact my previous servicer ( XXXX ) located in California and they call to that same number and the pass through without any issue. We tried the automated system but it doesn't recognize any of the information we provided and we tried customer service but after a while the call drops. I don't want to think that because I'm from Puerto Rico I will not be able to communicate with them.
Because all of this, I can not make my payments. I don't even have a loan number to make the payments even via regular mail. And I'm really worried about losing my home because of this.
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
In ApproximatelXXXX XXXX XXXX XXXX my Mortgage Servicing XXXX XXXX XXXX Offered me a forbearance due to the Pandemic and loss of income as my job put a group of us in standby status. No work, no pay. They refused a deferment said it was for veterans only. Didn't let me start paying current amount and defer the late payments. Wouldn't let me refinance either. The forbearance was two 6 months terms which was a year. At the end still refused to refinance and told me 3 to4 different stories about refinancing. One was 3 months into the mod, next 6 months into mod last 1 yr into mod before I can refinance, Although they said and the paperwork said that refinance was one of the options from the start they told me and the beginning of the mod that they didn't offer me a refinance was because i didn't ask for one. That was so untrue. Halfway through the mod trial period, which I had no choice but to accept, they threatened me with foreclosure. I called they said that the letter was a formality, not to worry they do that until the final trial payment is paid. Again, they refuse refinancing, so I started looking on my own and when they found out they sold my loan to Selene Finance. Selene said they had no record of the loan. It.s has taken until today and we still have no resolution because Selene is saying the mod have changed but they don't know what to or why. They said they are launching an investigation but there actions are somewhat suspect also for accepting a questionable mortgage and never calling me about the mortgage but now tells me its in-foreclosure status because for 3 months they can't accept payments because something has changed and they don't know what or why, yet they want proof from me that payments were made even though they said the can see the payments were made. Its a ploy to get me behind and then try to take my home because the games they are playing. It's deplorable and need to stop. The XXXX and expense I am going through haven taken a toll and I want it stopped.
|
| 01/06/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Hello Please see the following attachment for my payments history that are not being applied. My mortgage statements that I am being sent, with varying amounts due to late payments, however below the last XXXX months were paid according to the statement I am paying the amount listed on the mortgage statement, however I am being informed that I am now XXXX months behind.
**A check was sent on XX/XX/XXXX but not cashed and posted until XX/XX/XXXX for {$1200.00}, **Statement Date XX/XX/XXXX, payment due XX/XX/XXXX was {$3500.00}.
1. Amount due for Statement Dated XX/XX/XXXX.
due XX/XX/XXXX I was sent an amount due for {$4700.00}, The following payments were sent and posted {$4000.00} sent on XX/XX/XXXX and cashed.
Check Date XX/XX/XXXX, Check # XXXX & Check # XXXX Total amount sent was {$5200.00} for XX/XX/XXXX 2. Then for the statement dated XX/XX/XXXX, due date of XX/XX/XXXX amount due was {$780.00} and a check was sent, received on XX/XX/XXXX and cashed on XX/XX/XXXX for {$780.00} check # XXXX 3. Statement dated XX/XX/XXXX due date XX/XX/XXXX It showed no amount due but a credit of XXXX, unapplied credit Balance of - {$1200.00} XXXX. Statement dated XX/XX/XXXX, due date of XX/XX/XXXX It then reflects that I am now behind XXXX payments totaling {$2400.00} However a payment was sent and drafted successfully for {$1200.00} with an additional unapplied credit balance for {$72.00} 4. Now I am being told the mortgage payment was not applied that I am XXXX months behind and that only a partial amount was applied of payment - {$1100.00} but as follow.
{$190.00} Principal {$500.00} XXXX {$490.00} Escrow But the payment should have been the entire amount of the new mortgage payment of {$1200.00}.
The Mortgage statement for XX/XX/XXXX also reflects that there is still the amount of {$780.00} in suspense and that it can not be placed towards payment history because the correct amount was not paid in XXXX.
I am very confused and needed just help to make sure and to stay current.
|
| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To my surprise I received a deliquent tax notifcation for my XXXX second half of my property tax. I was so surprised because I've never experienced this before. My mortgage company was bought out by a company I have never heard of called Selene XXXX in XXXX of XXXX. I reached out to them back in XX/XX/XXXX and notified them and they kept giving me the run around and transferring me to someone else. I called the Property Tax division at XXXX multiple times and spoke to XXXX and she told me that they will be sending a payment. 6 weeks have passed and they yet to pay my past due property tax. I reached out to them again and they gave me a run around. I show they deducted {$1300.00} on XX/XX/XXXX from my Escrow account to pay the past due property tax, however XXXX County Treasurer has yet to receive payment. I have been working directly with XXXX XXXX from XXXX County at XXXX and she confirmed again today they have not received payment. We were both on the phone with Selene Finance for 2 hours and they still do not know what happened to the check that was sent out. XXXX advised them to reissue and wire the funds otherwise if payment isn't made by XX/XX/XXXX a lien will be applied to my home. I am astounded how Selene Finance forgot to pay and then removed money from my escrow and it's been a month and they don't know where my payment is. I have been on the phone with this mortgage company for several hours for over 6 weeks and nothing is resolved and they do not take this seriously. XXXX from XXXX County told me that this mortgage company she has never heard of however she said she read the reviews on this mortgage company and it appears they forget to pay property taxes of others. They don't put an effort to pay my property taxes. I don't know what to do at this point. They purchased my Mortgage last year and it's been a horrible experience. Is there any way I can transfer to a diffferent Mortgage company without having to refinance since the rates have increased?
|
| 11/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX contact information XXXX. My complaint is that selene finance loan XXXX ne er transfer my XXXX dollars that's still sitting in suspense. What happened was that my loan was transferred from my old lender XXXX XXXX XXXX XXXX. So that caused a delay in me making a XXXX dollars payment in which my new servicing company called Selence finance received on XX/XX/2021. I couldn't pay the difference of my modification trial before XX/XX/XXXX because my new servicing company called Selence finance didn't have my payment in their system yet that was being sent from XXXX XXXX XXXX XXXX when it was sold. .so what happened was that I spoken to customer service on XX/XX/XXXX and they told me don't worry you still have time to pay the difference of XXXX for XXXX trail modification payment as long as you get it in before the end of XXXX. Even it's due on the first you have like a grace period. So when I talk to a representative in collections dept she said when I pay the XXXX payment they will put in a request to transfer the money from suspense of XXXX dollars to my other payment that I make of XXXX dollars on XX/XX/2021 to satisfy my XXXX payment. Then I'll be due in XX/XX/2021. But when I called on XX/XX/2021 I'm getting the runaround in getting the XXXX dollars transfer from suspense to cover my XXXX payment. It's not my fault her that that I make my payments XX/XX/XXXX reason was that my payment information was transferred XXXX XXXX XXXX XXXX to selene finance and they up loaded it after XX/XX/2021 so they should update this information correctly in the billing system. When I made a prior complaint. The letter from selene finance states that I'm on a modification. It. XXXX from XXXX XXXX title resolution team. Can you please have her update my payment and transfer the XXXX dollars to my XXXX payment I also pay XXXX
|
| 06/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was negotiating with them about loan modification. Also, I was trying to dispute {$1300.00} they charged for insurance. I faxed the insurance policy a few times, but they told me they haven't received. In end of XXXX, they told me to provide the insurance policy. XXXX, I faxed the policy again and tried to tell them that I faxed the insurance policy again and kept asking to lower the interest rate. ( 5.375 % I have ) I also made sure not to foreclose my house. All the representatives I talked told me they won't foreclose. Then, they suddenly foreclosed my house. I asked them why? I was very late for the payment, but they were willing to do loan modification and I was negotiating. Then, they gave me another chance and told me to make two months payments by XXXX. They told me to XXXX the money from XXXX. I made sure if they accept the payment even last day. They said they will take if I go to XXXX on XX/XX/XXXX. I went to XXXX ( XXXX XXXX XXXX XXXX ) to XXXX the money before XXXX but I was told that they only can do up to {$500.00}. I called Selene Finance and asked what to do. There was no supervisor and I was told to call back tomorrow morning. I kept asking if there's any other way to make payment. She said wiring takes 24-48hours. I was never told about wiring before. All I was told was to send by XXXX from XXXX. I was on the phone for XXXXminutes. The representative just told me to call back next morning. I called next morning and asked a way to make payment. But I was told they won't take payment anymore and they won't stop the foreclosure process unless I pay reinstatement. Yesterday, they emailed me a reinstatement quote for a wrong person. They sent me another quote next day and it says {$90000.00}. I could have stopped foreclosure last month if I was able to pay {$4400.00} by XXXX and I brought that money. I tried to dispute but the customer service blocked and rejected my email. Now my house is going to auction on XXXX. Please Help!!!
|
| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene finance is charging me lawyer fee due to fraudulent actions to put me in foreclosure and inspection of my home. Number 1 the bank agreed to do a modification with me. I have proof they sent me a email of the modification. Number XXXX I have proof they were pulling money out of my account, I sent checks to them and if they say they record all phone call it shows Ive been in contact with XXXX the entire time. Here are the sequences of events ; XXXX allowed me to go on a trial modification payment started ; XXXX XXXX of XXXX XXXX ( paid but the bank never pulled the money out. ) I called myself and made a payment for XXXX payment ( XX/XX/XXXX of XXXX and called back XX/XX/XXXX XXXX ) this was an error from them which I notified them and told them who I spoke too.
XX/XX/XXXX I made a payment for XXXX, XXXX This should have covered me till XXXX.
XXXX I was told after the fact in XXXX I needed to pay a difference of {$57.00}.
XX/XX/XXXX I sent the modification application with another check Modification was not approved due to XXXX signature.
I sent another modification which was emailed to me via email and sent it XX/XX/XXXX and XXXX. This is because both my partners and I were out of town. XXXX told me this was fine as long as I send it before XXXX.
Bank told me I have XXXX in my suspense account but will not use it.
I asked the bank can I pay for the month of XXXX they said no. You covered till XXXX that was lie. Then I was told before the can approve my loan I have to send XXXX to get the modification approved to move forward.
I paid the XXXX XXXX sent be check from TD. Then I was told they are still waiting for a response XXXX cant make my monthly payment. After countless phone calls from me I found a representative to help me get XXXX to finally realize that payments were sent and a modification was sent as XXXX requested. Due to this Rep Im now able to make my payment and XXXX noticed I sent and sign the modification.
|
| 10/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Hello CFPB I am submitting this complaint and seeking your assistance to prohibit Selene Finance from foreclosing on my home located at XXXX XXXX XXXX, XXXX XXXX, XXXX NC XXXX ; loan # XXXX. My XXXX XXXX mortgage was previously held by XXXX then sold to XXXX ( peer company to XXXX ) and then sold to Selene. XXXX refused to honor the protocols allowed to XXXX XXXX backed mortgages and stonewalled me with various excuses and insisting I refinance the loan. When Selene took over as the mortgage servicer I was told the loan was not backed by XXXX XXXX and refuses to provide information regarding who currently owns the loan.
On XX/XX/2022 I submitted an the Borrower Assistance Program application, followed by weeks on being advised that Selene had not received my application. As it turns out the issue was that Selene would not access the link provided in the email which contained the digital forms. Thereafter it was multiple requests for additional documentation, repeat documentation, signed documentation. Resulting in my application being cancelled on XX/XX/2022 and my home going into foreclosure status. I've been advised by Selene that my home is in the foreclosure process but that my request for assistance is under consideration, however that the foreclosure process continues underway which is going to result in Selene selling my home. I have requested Selene to do the research on the loan as it was previously backed by XXXX XXXX and since the request for assistance started during the Covid109 Pandemic that allowed payments to be suspended. To date Selene has and will not provide information on that topic.
I'm requesting your assistance in putting a stop to the foreclosure process on my loan XXXX / home while my request for assistance is reviewed and hopefully approved. I also want assistance in requiring Selene to acknowledge this is a XXXX XXXX backed loan and therefore eligible for all options for repayment / modification.
|
| 12/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have lived in my home for the past XXXX years. I am divorced and have remained in the home with my children. I plan to continue to live in this house with my children. My divorce was in XXXX and the mortgage is still in his name. I was supposed to refinance but because of the divorce had some financial struggles and had to declare bankruptcy. Because my ex and I are on good terms this hasn't been an issue. I have paid the mortgage monthly. Until COVID 19 happened. At that time my business shut down. I made no money. My mortgage was being serviced through XXXX at the time of the the initial global shut down-XX/XX/XXXX. They were super nice and we spoke monthly about my financial situation. My mortgage was then sold to Selene Finance and when that happened everything changed. They would no longer speak to me ... because I was not listed on the mortgage... even though I was approved with XXXX to speak on behalf of the mortgage. My ex-husband emailed them XXXX times and we never would hear anything from them. When we would reach back out they would say that they never got any such notice from him. When my financial situation changed, which it now has, Selene wouldn't take money from me. They returned money orders sent to them and will not allow me to discuss a payment plan, even though I live in the home and am the one who pays the mortgage every month.
My financial situation has improved and I am now able to make my payments, but they wont take my money and will only consider any sort of payment plan if it's applied for by my ex-husband. He is not the one having the financial hardship though, I am. So, my only option right now is to pay the entire amount of the last year 's mortgage at once... which I can't do. Why can't they work out a payment plan with me and use my financial information as the basis for the hardship. They will see that I am now in a situation to pay going forward... I just can't come up with XXXX in a week!!!
|
| 10/09/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am not in foreclosure. I also received a demand letter on or about XX/XX/XXXX, that my mortgage would be accelerated by XX/XX/XXXX if payment was not paid in full for the arrears. The XXXX, a federal agency, issued a ban on evictions until XXXX due to the XXXX Pandemic.
I was not offered a solution as required under Executive Order from XXXX XXXX due to the XXXX Pandemic prior to these threatening notices. I feel that the notice taped to my front door was a threat to prematurely lock me out of my own home which is not legal under the laws of ANY state or federal entity. I feel that an additional threat to call my mortgage due on XX/XX/XXXX is another violation under the current order issued from the XXXX.
I tried contacting the loan servicer who was not able to provide information to me regarding the XXXX XXXX notice to secure my property in the next few days. However, they did own the threat of calling my mortgage due by XX/XX/XXXX in spite of the Executive Order issued from the XXXX.
Finally, I have force placed insurance on the property for which I am being charged. I have requested a copy of the actual policy on at least 3 occasions. I have not been provided a copy of the policy still. I received instead a copy of the declaration page only. I live in a hurricane corridor which began in XXXX and I am entitled to the actual policy for which I am being charged. I had issue with the declaration page because it describes the policy as " FIRE '' insurance coverage. I was not able to get the issue resolved by phone neither written requests to Selene Finance. I received a letter dated XX/XX/XXXX and again XX/XX/XXXX that my written requests had been received. I have yet to receive a copy of the policy for which I am being charged every month. Moreover, I do not believe that I have hurricane/ windstorm coverage or homeowners insurance coverage protection although XXXX continue to be charged. Hence I file these complaints.
|
| 09/14/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We were having trouble paying the mortgage before this last time and was kind of forced to sign a contract that doubled the monthly payment and add a balloon payment if we fell behind again. When Covid hit we were behind one month. I called to let Selene Finance know what was going on. I was told to just keep making the payment with the late fees included until we could catch up. So we did that for the next six months until my wife lost her job because of Covid. I called Selene Finance to ask for help they said we would be fine as long we didn't get behind two months and if we did we could just make the double payment and foreclosure wound not start. I lost my job next but my wife started a new job. I called and asked if we could do a modification after I heard that some changes had been made because of Covid. I was told that they were not a bank and that my loan was owned by investors and they only offered certain packages. One being a forbearance plan that would again double my payment. At this point, I started to research Selene and talking to just one person, when she would call me back. I started to ask who the investors were and I never got an answer. Shortly after this on XX/XX/20 I was told that they were going to send me an application for loss mitigation. I started work again and I was not able to communicate with Selene because of my hours but my wife was in contact. She filled out all the paperwork and sent everything in the last thing I heard from the lady was we needed to fill out a couple more things. We never could get back in touch with the lady we were working with. but my wife said she spoke with someone who said they have a special forbearance that came up. It would suspend payments until XX/XX/20 then we would have to pay for six months. It was the same plan and the modification was never spoken of by them again. We were sent another contract to sign and send back. But we have reached out to you first.
|
| 09/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been trying to do a modification with Selene Finance. The modification started at my previous bank, because of the reduction of income during the pandemic in XXXX, but my bank sold the loan to Selene. However, this bank has been really inconsistent dealing with the paper work. One agent said, " Yes, I have all of your documents, '' the other one said, " No it's incomplete. '' I have used different methods to send this paper work, one of them via email, and they said some papers were not legible, and then I used Priority Mail which apparently they said, yes they received it, others said no. I have noticed that they are not helping me, but are doing things to deceive me. Then I asked for a repayment plan and one of the agents gave me the quote to pay 7 payments, plus monthly payments for 6 months. I agreed and they gave me 24 to 48 hours to make I the payment. I did it, before the 24 hours were up. Then I decided to call the bank, and two of the agents said that the person I had spoken to was not entitled to that decision, she needed a XXXX 's approval. The next agent gave me an XXXX number, and an account number and the payment was returned, I sent it by a wire transfer and they returned it back to me. After that, I was really upset and called the bank, they said that I needed to make 12 payments instead of 7. Today I called the bank again, two days later, and now they're saying they need the 14 payments. They sent the new modification papers but I am afraid they will just initiate foreclosure. Right now, I am willing to make 12 payments to my account, however, I am afraid this won't work either because of the inconsistent communication. I have read reviews from this bank, and to my surprise, they have horrible reviews and horror stories of families who have been affected by their lack of credibility and customer service. Please, help me with this situation because I feel this bank is not taking me seriously.
|
| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
You have just closed my complaint based on FALSE response submitted by Selene Finance Company. Selene is a criminal enterprise that should be shut down. CFPB should at very minimum review MY statements received FROM Selene Finance and the statements that Selene sent you directly. You will then see they have falsified the statements sent to you.
Granted, they have stolen only a mysterious {$53.00} sent to escrow for no reason. This is to cover up the TWO late fees they charged. 1. Selene charged a late fee of {$49.00} on XX/XX/XXXX, 16 days after receiving the loan. Contrary to federal law. 2. They charged a late fee again on the payoff statement. Contrary to federal law within 60 days and additionally without basis. Both these items, XXXX statement and payoff quote are attached. You will see they told ME it is a late fee. They told YOU the funds have gone to escrow.
Clearly, I am XXXX during my day job, this is a laughable matter for me. I had the funds to pay off this predatory company in full. CFPB owes it to the consumer to protect them. You must get numerous complaints from consumers who do not have the means to pay off and get away from this predatory company. You MUST strengthen consumer protection and here you have the tip of the iceberg. Please protect consumers in general and specifically from Selene Finance. This is text book predatory mortgage company. You are literally there to pick these low hanging fruit and put them out of business.
Moreover, how can they charge me a late fee, twice, illegally and all within the 60 days they note in their initial response to you??? Then submit falsified docs to you and you close the case. This is NOT acceptable.
If they claim they have emailed, that too, is a lie. They have sent twice, an email with something that is not able to be opened. I requested my company IT to try to open attachment and we are not able to even get to a step that might try to open.
|
| 12/15/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
This is not the first time Selene finance has tried to predatorios take my home.
I initially got assistance from a program to help pay the arrears mortgage Selene did not include all of the cost associated with the arrears so the company did not pay everything Selene then increased my mortgage by over {$200.00} saying there was a shortage when I asked them to send that to the company helping me they declined saying they could not. The company helping me needed to know the shortage from Selene finance in order to pay it. In result my mortgage increased and i struggled to pay it .. do to having XXXX and being Ill i fell behind a bit not more then 2 months behind on I attempted to pay my tmortgage online on XX/XX/XXXX they took the payment processed it on XX/XX/XXXX then on XX/XX/XXXX sent me a certified letter of default I contacted the lender ( Selene finance ) spoke to a rep named XXXX and she stated a payment was made on XX/XX/XXXX when I asked her about the letter of default she had no answer I was not 3 months behind Selene fianc tried to manipulate situations for those on hard times to their benefit they want to pack on fees and default charges to collect more and more money for already struggling families this should be illegal. I want to file a formal complaint about the way Selene finance does its shady business I know my mortgage was behind 2 months but that was due to # 1 Selene fraudulently withholding pertinent information to a company helping me save my home which in turn caused my mortgage to increase then cause I g yet another hardship of payment then them not posting payments timely to reflect valid payments but holding or either returning payments to then send out default notices to collect then more money fraudulently to then cause more hardship on the family now facing foreclosure Any help on this is greatly appreciated any help reinstating my mortgage is greatly appreciated Thank you
|
| 11/06/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am writing in regards to my current mortgage company Selene Finance, a couple years ago due to knees replacements I sustained financial difficulties in which my house went into foreclosure resulting in court proceedings with said company causing court fines/fees from Selene Finance to be attached to my mortgage, Selene Finance also attached a private mortgage insurance which increased my monthly payments from {$3300.00} to {$3400.00} and currently {$3600.00}. On XX/XX/XXXX after speaking to a Selene Finance representative who stated I will have to submit an email to the company and that a response would take on or about thirty days in which I submitted as per my bank statements all payments made. I owed from XX/XX/XXXX to XX/XX/XXXX a payment of {$10000.00} was drafted from my XXXX account on XX/XX/XXXX, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00}. I owed XXXX to XXXX and on XX/XX/XXXX {$10000.00} was drafted from my account. On XX/XX/XXXX $ {$3500.00}, XX/XX/XXXX {$3500.00}, XX/XX/XXXX {$3500.00} and on XX/XX/XXXX {$580000.00} was drafted from my account. I was prompted by their automated system while paying my monthly mortgage payments that there were fees attached to my mortgage in which I emailed Selene Finance to dispute about non payment of the fees which clearly showing the difference of my monthly payment and that of payments where the fees where paid. I spoke to another representative who stated that as of XX/XX/XXXX my private mortgage Insurance will no longer exist however my XX/XX/XXXX mortgage payment explanation of amount due is as follows : ( Principal $ {$930.00}, Interest {$1400.00}, Escrow ( for taxes and or insurance ) XXXX Regular Monthly Payment {$3600.00} ) and ( Total Late Fees and Other Charges {$3500.00} ) total {$7200.00} which clearly their record and automated recording should have shown that the payments were already made.
|
| 11/30/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
My father passed away and left me the home. I kept paying the mortgage and everything was going well. I fell behind on the mortgage XXXX, XXXX. Since then, I have been attempting to get the loan into my name and the mortgage modified. I could not get anywhere with XXXX so I hired a law firm XX/XX/XXXX. Since then my law office has collected multiple documents from me. I have been told that I have sent in the wrong application 4 times. I have sent in 5 applications and many supporting documents. My review keeps getting closed out and my lender is not advising counsel of my attempts to bring the loan current and telling their counsel I am not trying to save the home. This time I called on XX/XX/XXXX and I was told I needed to send a profit and loss, tax returns and a letter of explanation. The profit and loss and letter of explanation were sent on XX/XX/XXXX, the taxes sent on XX/XX/XXXX. Today, XX/XX/XXXX I called to check loss mitigation status and I was told the review closed out yesterday. I inquired as to why and I was told the letter does not say and so she doesn't know. Also, today the lender 's attorney sent an email that states " I do not see our office or our client have received any documents to review the loan for Loss Mit '' This is completely false as I have been attempted to be reviewed for over 2 years. I am unable to get a single point of contact to make sure all documents are in. Every time my review gets closed out I speak to a supervisor who says they will fix it however this keeps happening. I am now at risk of paying out of pocket for mediation, which I do not trust will be successful. If the lender 's loss mitigation department would review mediation would not be necessary. I would really like the servicing of this loan to be investigated as I do not feel that I am being treated fairly. My loan is XXXX XXXX and I know there are programs to help me. Thank you.
|
| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Dear CFPB, On XX/XX/2022, my loan was transferred from XXXX XXXX to Selene Finance. On XXXX XXXX, I received in regular mail, and a certified copy of Notice Of Default and Intent For Acceleration.Selene has only had my loan for barely 3 months which I was not completely in the system. On XXXX XXXX, I contacted Selene and stated that I wanted to make payments online.
I was told that I could not make payments online because I was not in the system, due to the transfer not completed. I made two payments on XXXX XXXX, please keep in mind that my due date was moved to the XXXX of every month and this request was granted by my previous lender XXXX XXXX, therefore I have a 15 day grace period from the XXXX to the XXXX to pay the mortgage.
Selene Finance had generated a Notice Of Default and Intent For Acceleration for two months and escrow balance which is illegal.Mortgage lenders can exercise their right only generate a Notice Of Default and Intent For Acceleration for 3 months of unpaid mortgage, not escrow that no longer exist due to I canceled my escrow account with my previous lender XXXXXXXX XXXX.
I am not delinquent on my taxes or my homeowners insurance.On XX/XX/2022, contacted Selene Finance and spoke to XXXX in customer service pertaining to the Notice Of Default. I asked XXXX about the Notice and was told my account is current and please disregard the notice.XXXX also told me that the company can not file a Notice Of Default for an non escrow account and it was illegal.
I was already knowledgeable about this, and requested to have the disregard letter in writing, but was told I would have to write a request letter for the disregard letter in writing instead of verbally told over the phone by her. I also ask her if Selene Financing has an Ombudsman department and I would like to be transferred there.XXXX stated to me yes, but I would still have to put it in writing.
|
| 07/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
During the Covid-19 pandemic, I lost XXXX years of income. The last mortgage payment Selene Finance received was in 2020, during the pandemic. I no longer had an income source, got behind on payments, made multiple efforts to make the payments. I was approved for a modification by the previous servicer, ( XXXX XXXX? ), and the loan was sold to Selene at the end of the modification period. When I received a letter of intent to foreclose from Selene Finance, I applied for another modification with Selene Finance but was denied. Then I applied for assistance through the Maryland Homeowners Assistance Fund, it took XXXX yrs. to process the application and have been approved recently for a $ XXXX XXXX. I conveyed this to Selene Finance. The MD HAF program requested an additional $ XXXX modification from Selene Finance to bring the loan current. I applied again, Selene Finance denied me, not allowing the opportunity to save my home. I filed a previous complaint questioning the pay-off amount owed to Selene Finance , because a full history of the loan was requested by an advisor, saying the principle wasn't correct, in excess of $ XXXX. Selene sent paperwork to CFPB, and I am waiting to receive a copy of the full history. I also filed a claim with my homeowners ' insurance for damages to the property incurred by contractors. I'm in the process now of selling the property " as-is '', and request that Selene return the $ XXXX endorsed homeowner 's insurance company check back to me upon sale or reimburse the insurance check back to me upon deed-in lieu if the property can not sell " as-is ''. The property has been appraised " as-is '' for XXXX. I have to drop the price due to the work still needed. Overall, in spite of the contractor negligence, I have increased the value of the property through the years, with good care, and deserve to be reimbursed the homeowner claim funds.
|
| 11/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
I am writing to bring to your attention a serious issue I have encountered with my mortgage service company, Selene Finance LP. I am the property owner with nine loans serviced by Selene Finance, and I am deeply concerned about their failure to make timely property tax payments to the city of XXXX for the 4th quarter of XXXX.
Due to Selene Finance 's negligence, I have been subjected to accumulating late fees, interest charges, and the imminent threat of potential liens on my properties. This situation is causing significant financial strain and poses a severe risk to the stability of my real estate investments.
I have made numerous attempts to communicate with Selene Finance regarding this matter, but their response has been inadequate, leaving me with unresolved concerns and mounting financial burdens. It is clear that Selene Finance has failed in its obligation to manage the timely payment of property taxes on my behalf, jeopardizing the integrity of my real estate holdings.
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. I believe that Selene Finance 's actions not only violate the terms of our mortgage agreement but also demonstrate a disregard for the financial well-being of its customers.
The consequences of Selene Finance 's negligence are not only affecting my financial stability but also have broader implications for the community, as the 4th quarter property taxes contribute to essential public services. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and work towards a swift resolution that alleviates the financial burden imposed upon me.
Enclosed with this letter, please find correspondences with Selene Finance account managers as a result of their failure to make timely property tax payments.
|
| 03/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Good morning, We're filing this complaint to bring to your attention the extremely nefarious manner in which Selene Finance is handling our request for a loan modification - There is a sale date on our home, scheduled for XX/XX/XXXX and we were certain to make sure that we submitted all documentation before the 35 day cut off requirement, to be reviewed for modification.
- We originally submitted ( emailed ) 57 pages of documentation on XX/XX/XXXX ( 38 days PRIOR to sale ) - Receipt of those documents was CONFIRMED on XX/XX/XXXX, by XXXX, at Selene Finance. She claimed that the email was received, however, the documents could not be uploaded and recommended that we follow up the next day - We followed up on XX/XX/XXXX and spoke with XXXX, who confirmed once again, that the email was received, but the documents still could not be uploaded and recommended that we attach the documents individually to a new email - We sent an email on XX/XX/XXXX ( 37 days PRIOR to sale ) and on XX/XX/XXXX, we confirmed with XXXX that all documents were, in fact, RECEIVED ON THE XXXX and that our file was being set up for review - I've just hung up the phone with XXXX and she informed me that a letter was mailed out yesterday, denying our request for modification - claiming that documentation was not received within the 35 days prior to sale time frame.
This is absolutely FALSE and in violation of XXXX XXXX XXXX guidelines!
Kindly assist us with this, before we're forced to approach the Wisconsin Attorney General 's office and file legal action against saline. This current action is just an ongoing series of deceptive business practices and Federal fraud on their part I've attached screencaps of ALL emails ( with dates of transmission ) and notes from every conversation regarding this matter I can be reached at any time at XXXX Thank you for your help with this, XXXX XXXX
|
| 06/30/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I called the company back in XXXX as well as XXXX but due to the pandemic I never got a hold of anyone XXXX I spoke with them as well as left on their voicemail that I was requesting a repayment or forbearance plan due to the COVID when I spoke with the manager ( XXXX XXXX ) finally he told me that cares act didnt apply to me because I was in tx and already late and to submit documents XXXX XXXX was contacted which I have recorded by voicemail multiple times when I called in I found out they were calling g my sons old number that didnt work and that number was never given to them we have had same number since they have had our loan in XXXX I received a letter from their attorney stating they had sent this to foreclosure. Every time I spoke with someone I ask for a work out plan or forbearance and they told me I didnt qualify once being told my loan was with XXXX XXXX but today was told that they didnt have to follow any kind of forbearance since it was in foreclosure already ( submitted after cares act went into place ) multiple phone calls, emails etc I had a hud Councelor call he was hung Ill on first time but because of him I finally got a reinstatement which included {$2500.00} In fees I just want a repayment plan I wanted a forbearance during all of this and now we can make payments but they never worked with us, I sent paperwork in and have proof and they say they didnt get it. I also spoke with XXXX today about the 40 pages On this website stating they are supposed to offer us some type of plan and she said I had to submit a document package but she could not guarantee anything this late and I would need most of the reinstatement because I didnt speak with them and I didnt turn in paperwork I also think it is strange how now theyre owned by an investment firm and it seems better for them to let out home forclose than work with us.
|
| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We have owned our home for 27 years and are now getting divorced and need to sell the house. Selene Finance LP of XXXX purchased the mortgage from XXXXXXXX XXXX years ago and has never been helpful or responsive. I have engaged a realtor and we know we may have to go with a short sell. Note that the house is beautiful and in a great neighborhood in an eastern suburb of XXXX. The roof will need replacement and some other minor fixes due to water damage. We are also behind in payments as I am now on SSD due to XXXX and another health issue... but we made we saved the house from foreclosure for all those years and when I commuted to XXXX to work for XXXX XXXX.
Per Selene 's directions, I have advised them of intent to sell and likely short sale on a three-way conference call with their reps and my realtor. I then completed their 10-page form to transfer authorization BY FAX. That was more than 6 weeks ago and after more than two dozen phone calls, I was informed the authorization was approved and I was going to receive the necessary document BY MAIL. Now 3-4 weeks later, no document plus interest rates went up, undoubtedly hampering our profit potential ( and Selene 's for that matter ).
I call daily and deal with incompetence. When promised that a Supervisor will call me, no one ever does. I am filing this complaint with the CFPB and will now also contact the XXXX, my county commissioner and my state senator.
I am hoping you can help me and my family as we've gone through much in recent years and need to resolve all this. I am a responsible professional ( semi-retired now and consulting, and also a XXXX XXXX ), father of XXXX XXXX daughters and politically active in local issues.
Please contact me at XXXX or at XXXX.
Thank you in advance for your anticipated help, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
|
| 11/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
I became delinquent on my mortgage payments. I had several phone calls with my mortgage lender on how I might be able to resolve the issue. I asked if they would be able and/or willing to put my past due payments on the backside of my loan and they said no. I asked if I could make partial payments and they said no. I then tried to make a full payment amount and they would not accept ANYTHING other than the full amount due of all my missed payments. They were unwilling to work with me at all and would often times simply hang up on me. I received a foreclosure notice on XX/XX/XXXX with a SHERIFF 'S SALE date of XX/XX/XXXX. The have added on an exorbitant amount of unjust and unreasonable fees and raised my mortgage with no explanation of that change. In the mortgage foreclosure papers, their numbers and dates are completely incorrect. They state my original mortgage was in XXXX in the amount of {$170000.00}. My actual mortgage was in XXXX in the amount of {$150000.00}, which is proven and has been submitted to them by the State of MN. They have been completely unwilling to work with me and discuss any options for remediation other than paying only the full amount due which again includes unreasonable and unjust fees. I am now working with a mortgage counselor in the State of MN, along with the MN Attorney General and am working diligently to resolve my issue, however, this mortgage lender has a reputation of being unfair and unreasonable. It appears as though they want nothing to do with the consumer and just want to keep adding unreasonable fees and want nothing more than to foreclose on people 's homes. Their unjust and unreasonable fees added on make it near impossible to become current and again, are unwilling to even speak to me to try and resolve this matter. Their reviews indicate just as much and much, much more.
|
| 10/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
OMG - AFTER SUBMIITTING SUBMIITTING MY REQUEST TO HAVE THIS ESCROW ATTCOUNT REMOVED ON OR ABOUT XX/XX/XXXX. THAT THEY JUST MADE ON XX/XX/XXXX, XXXX A {$15000.00} TO NOW LEAVE ME WITH A NEGATIVE ESCROW BALANCE OF $ XXXX TO MY INSURNCE COMPANY AFTER I HAVE PROVIDED MUTLTIPLE PROOFS THAT - I AM FURIOUS AND THIS IS UNBELIABLE BEHAVIOR ON BY THIS COMPANY - JUST 3 DAY DAYS AGO I REFVIEWED MY ACCOUNT AND HAD A POSITVE BALANCE - THEY DID ALL THIS AFTER I HONORABLY SUBMITTTED TO HAVE MY ESCROW -- -- THIS BEHAVIOR IS OUTRAGEOUS!! THIS WAS ALL DONE AFTER I SUBMITTED A REQUEST TO DISCOUNTINUE THEIR ESCROW ACCRUAL ON MY ACCOUNT- THIS IS INTENTIONAL AND DEVIOUS. " PLEASE NOT I STARTED TYPING THIS NOTE BELOW AND JUST CHECKED MY ACCOUNT TO FIND THEY MADE A PAYMENT AFTER RECEIVING MY NOTICE TO DISCONTINUE - I AM FLAT OUT ANGRY- THIS IS DISHONEST AND INTENTIONAL -- -- I have met every criteria to have Selene Finance no longer collect escrow from me for my mortgage account. Selene Finance is collecting double the amount that is necessary. I now have more than {$4000.00} in escrow and my XXXX XXXX XXXX is being paid directly by me. Further, the more than {$2000.00} a month they are collecting for escrow is needed for my own household for myself and XXXX boys. I got a letter in response to them stating the process may take 30 days to review. I find this completely unnecessary as I have met all criteria to have Selene Finance stop collecting escrow from me. It is absurd! I am demanding an immediately action to reduce my monthly mortgage payment to just principal and interest, and allow me the homeowner to better manage my monthly household expenses myself with more than {$2000.00} that I will put towards providing for my XXXX boys. Thank you. XXXX XXXX XXXX. PLEASE SEE ATTACHED SELENE FINANCE LETTER ILLUSTRATING I HAVE MET VERY CRITERIA.
|
| 04/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage loan was transferred to Selene Finance ( http : //www.selenefinance.com/ ) on XX/XX/XXXX according to XXXX phone representative. My mortgage is escrowed for Taxes and Insurance. My Insurance was due on XX/XX/XXXX. They never paid my insurance. They then began to charge me for lender placed insurance and pay for this through my escrow account, even though I had a policy that was due to be paid by them.
Since being transferred to them, they claim they have mailed me multiple items, I have never received a single piece of mail from them but I have confirmed my mailing address multiple times. The only reason I knew it was transferred is because I work in the XXXX and noticed my payment didn't come out. I was able to use my industry knowledge to figure this out on XX/XX/XXXX. Others might not be so lucky and understand mortgages the way I do. I have never received any mail, phone or email confirmation that my mortgage was transferred or that my insurance was lapsed.
I have reached out to them and requested a manager call me back 3 times, I have had no luck. I have been living in a Condo with Hundreds of other units, completely unprotected, for 2 months without insurance without knowing about it. I only discovered the problem when my insurance company mailed me a letter that I received on XX/XX/XXXX.
Additionally, I have tried to set up auto pay twice and have had no luck. They say they will mail me a form, but I coincidentally am only not getting their mail SEVEN TIMES. So I don't think I will get this form either. Other lenders have had no issue getting mail to me.
Since typing this complaint, I have been on hold for over 30 minutes waiting for a " Manager to respond ''. This was after I was told they were at lunch and would call me back after they return. It is now XXXX, with no call returned.
|
| 12/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My prior complaint was closed and was not resolved so I am filing another one. My prior complaints was COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Struggling to pay mortgage I just got 2 letters from Selene Finance mortgage company. One was dated XX/XX/XXXX and said that I am behind on my mortgage and to contact them for assistance. WHAT A JOKE!!! I also got a letter dated XX/XX/XXXX and this one notes that they got my documents on XXXX. If that is the case, why are they sending me another letter on XX/XX/XXXX telling me to contact them for help. HUH??
I was given 8 days to provide additional documentation. It sates in the letter that I should have my items back to them by the XXXX XXXX XXXX!! Today is the XXXX just got the letter in my mailbox today!!! When I attempted to phone them to discuss the matter there was no answer. The message said the office was closed and then proceeded to tell me the hours they were open. They state they are open until XXXX today I called at XXXX and they were closed! So, now I will not be able to speak to someone there until at least the XXXX of XXXX!!!! How am I supposed to gather the information by the XXXX when I didnt even get the letter until the XXXX? They also say I can make an appointment with my single point of contact, who they list as someone named, XXXX XXXX as that person. They only have one number listed for every single department!! Its the same XXXX number for everything! This company is predatory and is trying to take advantage of my situation! This is abhorrent and unacceptable. They also list items that I have sent them and the list is inaccurate and it states they are valid until an expiration date that doesnt exist. Why does this company pretend to be helping me??? They have been the worst to deal with and are not helpful at all.
|
| 02/16/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XXXX now says that because that 1 page of my modification with XXXX was not signed or filled out by the notary, that my modification is denied. I got a call from XXXX XXXX in their escalation department I asked for a copy of the documents that he had and he was to send them via email but at this time they have not shown up.
I have been through the documents I have, and the document he is talking about is not there, The only document that was not signed and I could not signed because it had my late Mother 's name on it was the Assumption of the loan document.
XXXX had control of all the documents from XX/XX/XXXX until they sent them to XXXX sometime in XXXX. At no time did XXXX ever call me or notify me that something was missing from the documents I had submitted.
XXXX, themselves never looked at the documents until the last 10 days and now they say my modification is denied, but they have yet to produce these docs or this 1 incomplete document. Further more, I have a Covid, forebearance in place and neither XXXX nor XXXX has yet to correct all the accounting, on the loan, I have shown both Shellpoint and XXXX the insurance on the property that it is paid by the XXXX fees, and yet neither have ever credited or removed the forced insurance they placed on the property.
When I called this AM with XXXX XXXX XXXX XXXX, on a recorded line and asked to speak to XXXX XXXX XXXX or his supervisor we were told that XXXX could not speak to us because I have filed a complaint with CFPB, then there was a change of mind and XXXX would call me back, as of this evening, I am still waiting. His supervisor, XXXX XXXX, has not.
Further more XXXX is telling me to pay {$100.00}, XXXX to reinstate my loan or they will foreclose on XX/XX/XXXX. After the CFPB says differently and a payment plan should be worked out.
|
| 07/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX To whom it may concern, We're filing this complaint in the hopes that you will assist us with our final loan modification, with Selene Finance. we were approved for a Trial Payment Plan- a SIX MONTH plan- on XX/XX/XXXX. We have made each of the six payments on or ahead of schedule and have been trying to get final Modification approval information from Selene, since XX/XX/XXXX.
We've spoken with them FIFTEEN times over the last six weeks and still no update. Not only has their story repeatedly changed and then intentionally missguiding, on every phone call, we were reminded that we should continue to make the trial payment that we agreed to last XXXX. Given that our Trial Payment Plan, was for a period of six months, we are not legally responsible to continue making payments unless a NEW Agreement is reached. Not only this, but Selene has a history of forcing homeowners to continue making payments after successfully completing a trial modification plan and never modifying their loan.
We also requested and received a complete Loan History printout and noticed numerous exorbitant charges over the last five years. Selene has yet to been able to provide us with an individual to discuss this with, let alone to explain these charges. It's our understanding that Selene is acting extremely litigious and not following Federal Compliance guidelines with regards to servicing our loan and this modification.
I've attached all notes from our calls, beginning in XXXX, to this complaint and we are requesting that this matter be resolved as soon as possible. We simply wish to return to good faith payments and put this whole ordeal behind us.
Thank you for your assistance and I'm available anytime at XXXX XXXX XXXX and XXXX XXXX
|
| 12/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
In XXXX of 2023 XXXX XXXX XXXX XXXX sold my loan to Selene Finance. On XX/XX/2023 my insurance came due and Selene Finance did not pay the insurance policy as stipulated in the mortgage agreement. The independent broker that did the deal paid the insurance policy from his own personal funds on XX/XX/XXXX with the expectation that once Selene Finance paid the the insurance out of the escrow account as required, his money would be refunded back to him. It is now XX/XX/2023 and Selene Finance still has not paid the insurance bill after the numerous calls I have made and the supervisors I spoke to, each of which told me that the insurance bill would be paid and they never paid it. I am not being threatened by legal action because the broker needs his money back. I made calls on the following dates and Selene Finance has still not handled their responsibility, each time telling me they would pay the bill : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Both myself and my insurance company have sent them the declaration pages with the payment that is due and they have not paid. Last Friday, XX/XX/XXXX, the supervisor I spoke to said my file was erasing before his eyes and he needed to research and call me back. He never did. Today, XX/XX/XXXX, I received a letter they sold my loan.
It was their responsibility to pay the insurance and owned the loan at the time the insurance was due and they need to pay it before the account moves to yet again another company. This is also the XXXX time this loan has been sold since XX/XX/2023, which feels excessive.
Selene Finance needs to pay the total amount due of {$3200.00} asap.
|
| 10/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Older American |
|
In XX/XX/XXXX I starting working with the XXXX XXXX XXXX for assistance with my mortgager. For several months my mortgage servicer XXXX gave me the run around. After months of finally getting them to work with me to get a loan modification for me to be approved for the funding from the XXXX XXXX they agreed after months of trying. They gave me a trial loan modification plan for 3 months with me paying {$3100.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made all of the payments in XX/XX/XXXX the XXXX XXXX paid my mortgage company {$40000.00} on my behalf. With this being paid Selene Finance agreed to provide me a loan modification. It is now XX/XX/XXXX to date I do not have my final loan modification nor will any of XXXX represetatives accept my payments, I have been blocked from payiny my payments on line. I place calls every XXXX weeks to XXXX only to be told that they are not finihsed with my documents and I should make the trial payments. How can I make even the stated or trial payments if no one will accept my payments. Also I have XXXX different payment amounts. Before the trial loan modiciation my payments was {$2700.00}, the trial payments was {$3100.00} and now the mortgage statements on line the payments change in XXXX to {$2900.00} without any notice to me. Also they still have me owning over {$60000.00} after receiving the {$40000.00} from the XXXX XXXX that is still unapplied. I am a victum of predatory lending. I have contacted them on several occasions and they are still not honoring their part. Also I have asked who actually hold my mortgage the response is that it is a private lender and they can not give me the person and or company. They are continuning to wait until the interest rates escalate before granting me the final loan modification.
|
| 03/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am a XXXX single mother of three. The Loan Modification that I was metaphorically pinned down to sign, increased my principal balance by approx {$36000.00} ; AND most importantly my interest rate went UP. That's correct, UP, with a hardship modification.My mortgage interest rate went from 2.87 % to 5.5 %. Prior to the predatory Loan Modification in XX/XX/2022, my mortgage was due to be paid off in XXXX. Now Selene, since they put the defaulted amount on the end of the loan and take over {$600.00} ( almost half of the monthly payment ) for the interest rate ; they've extended my loan payoff date to XXXX. I no longer work nor am I able to hold any type of employment. I get by, support my kids, get to doctor appointments, and pay my bills with SSD benefits, and my ex-husband child & spousal support. My support ends in XXXX. My mortgage will be even more impossible to keep up to date. The entire awarded NJHAF amount of {$35000.00} should have been taken off of the defaulted amount at the end of the loan, where the defaulted amount was added. I will be more than happy to supply all supporting documents in my next email.
Meanwhile, I will prepare a timeline of emails and correspondences indicating Selene Finance 's evil predatory lending tactics. Selene knew exactly of my NJHAF application, pending approval, all while, processing an expedited foreclosure summons, then overnighting an approved 'Loan Modification ' document with an acceptance deadline date ; prior to them releasing the requested documents to NJHAF that was needed to process my approval for rescue funding. XXXX XXXX, of NJHAF, even had to call Selene personally to re-request the documents to be expedited, since the NJHAF process was stagnant due to it having been over 45 days since the original request.
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The bank in XXXX I had gotten a call from XXXX XXXX XXXX about my mortgage. They said I was XXXX dollars behind I told them this was not possible. I then took my papers and receipts to the bank. I had everything paid to date I ask what the problem was and the woman who was helping me was on the phone with a man and she told him I was up to date with my paperwork and receipts. The man told her on the phone to tell me to leave the bank. There was nothing they can do so they kicked me out of the bank. So I left the bank and tried to find a lawyer I went to 12 different lawyers and no one would touch the case. So I started a battle with the XXXX XXXX XXXX to plea my case. So out of no where I get a call from a man that claimed he could fix my mortgage account. So I trusted this guy and gave him some info so he told me he would call me back so i did wait and in two weeks still no call. So I make a police report with XXXX XXXX Sheriffs Office. A month later I get a letter from the FBI saying they arrested a man on five different accounts of fraud. So for years I don't hear anything. So three years ago I get a call stating that there going to prosecute a man on fraudulent activity and since then there have been two more arrests. In the meantime we are trying to sell the house. The mortgage company is coming up with all these different numbers on what we owe. There are modifications that I did not do, late fees and they are adding up. We have dished out thousands of dollars to fix the problem and the numbers never go down. They are always the same. I had to take money out of my annuity 2 or 3 times and taking out small loans also but nothing has changed as far as the amount of money owed to them for the mortgage. It has caused a financial distress and it still on going.
|
| 09/19/2020 |
Yes |
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
During my divorce my husband did not follow through with signing a quit deed for our marital home. we went to mediation with the courts and mortgage company where he agreed to sign it. He was given a date to sign by or our house would go up for auction. The house did not sell at auction however they listed the house and it sold. Since that time we have never received any calls or written correspondence for the home regarding the amount it sold for versus the amount we owed. I called Selene Finance to obtain information several times with no return calls. I recently filled out an application for a home loan and when they pulled my credit report there is a Selene Finance for XXXX on it. I have tried calling several times to resolve issue, obtain more information - i have been told the account is closed and they can not provide any information. I have asked to speak to a manager and am told to email them and i would receive a call. I emailed them on XX/XX/2020 requesting assistance. I called their customer service number one more time and the gentleman who assisted me also told me that he does not believe the charge is within Selene anymore as account has been closed, not sure anyone will be able to assist and i can leave an email and i may receive a call from it possibly. When they purchased our loan we had trouble t=with them from the start reporting late payments when indeed we paid and they had cashed the check, counting payments late although they were paid on time. We had the hardest time of getting a hold of anyone within the company at that time as well.
Could you assist me in trying to obtain information on this derogatory mark on my credit score that is holding me back from purchasing a home. I would like to resolve the matter. thank you.
XXXX XXXX
|
| 11/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
Follow up on numerous occasions over the last 6 weeks. Every call resulted in representatives indicating they were trying to reach supervisors XXXX and/or XXXX ( or an Escalation Dept. representative ) who we initially spoke to in early XX/XX/XXXX regarding the approval and of late charge reversal and reimbursement. Every call initiated to Selene resulted in us being put on hold multiple times and up to 10 minutes each time. Representatives, who we have spoken to over the last several weeks include XXXX, XXXX, and XXXX as well as many others. Each representative indicated that all of our present and past telephone calls have been documented and recorded.
On one call in early XX/XX/XXXX, Supervisor XXXX asked for our correct checking account number and routing number and gave her word that she would contact us back once approved XXXX indicated that given the circumstances leading up to our dialogue with her, this approval this should not be an issue. She empathized and apologized for the IVR payment process and not hearing the correct information to process our mortgage payment made on XX/XX/XXXX. We felt confident that XXXX would follow up with us directly to resolve this escalated matter. To date, there has been no management follow up whatsoever nor have we received late charge reimbursement or even proof of approval of late charge reversal along with documentation of no adverse credit impact. Given the extreme amount of calls we have initiated to Selene Finance regarding this matter, we are now hereby requesting written documentation of the late charge reversal and no adverse credit reporting. Likewise, we would like to know specifically when the reimbursement of the {$200.00} ( late fee ) will be reflected in our checking account.
Thank you.
|
| 10/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
XX/XX/2023 Email & US Certified Mail From : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Email : XXXX Tel : XXXX Selene Finance LP, XXXX XXXX XXXX, XXXX, PA XXXX, To Whom It May Concern, LOAN NUMBER XXXX I am writing to express my profound disappointment and concern regarding the handling of my loan modification application, which has been pending for over six months. Today, after waiting an extensive period, I was informed that my application was not eligible based on the income-to-debt ratio. The lack of transparency, communication during the underwriting process ( there were zero communication ) and detailed explanation from your representative left me in a state of confusion and distress.
It is imperative for customers like myself to have clarity and a comprehensive understanding of any decisions made concerning our financial standings, especially when we entrust institutions like Selene Finance with such crucial matters. The absence of detailed feedback makes it challenging for me to identify areas of improvement or to even rectify the situation.
Therefore, I hereby submit my formal request to appeal the decision on my loan modification application. I urge Selene Finance to review my application comprehensively, and I am willing to provide any further information or documentation that may be required to support my appeal.
In the spirit of fairness and transparency, I anticipate that Selene Finance will undertake a thorough review of my appeal and provide a detailed rationale for any decision made. Efficient communication and customer-centricity are vital attributes for financial institutions, and I hope my concerns are addressed promptly.
Thank you for your immediate attention to this matter. I eagerly await your response.
Sincerely, XXXX XXXX
|
| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/XXXX I refinanced rental property I own in XXXX Ga. That loan was transferred to Selene Finance in XXXX and letter of transfer and closing documents clearly states for the first 60days loan payment can not be considered late or received late fees if transfer to new lender. Im unable to create online portal access and account is not found in phone system due to some technical issues. So I paid my XXXX payment with XXXX and noted Im having issues creating a portal account to facilitate payments. I mailed XXXX payment which has not cleared. I called in XXXX to pay XXXX payment and inform them XXXX check has not cleared so I will pay that as well and they refused payments and inform me my house was foreclosure on XX/XX/XXXX with no notice of default or anything. I told them first 60 days is grace period because of loan transfer and XXXX informed me if I dont pay on the XXXX Im in default. I contacted management XX/XX/XXXX via email because that is the only means they provide and XX/XX/XXXX they responded stating loan has been foreclosed as of XX/XX/XXXX and they do not need to provide me with notice of default and they will send reinstatement information. As of XX/XX/XXXX I have not received any further communication and after reading other reviews many have complained of " Missing Payment '' and then aggressive foreclosure or excessive reinstatement fees. However my loan should of never been foreclosed on after being late by their standard only 3 days even counting missed XXXX payment who foreclose on a house after only 32days late and then provide no notice of any kind. All notices I received was just to pay my normal payments. They even sent email asking about regular monthly payment and never mentioned my home was in foreclosure.
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am going through a refinance with XXXX XXXX ( Great Company! ). They pulled my credit report and saw that there was an report pulled by Selene Finance LP ( my current Mortgage Company ) on XXXX XXXX. When I called Selene Finance LP to ask why they pulled my credit Report without my knowledge. The agent said we were looking for a phone number? The agent read off 5 numbers and 3 were my correct phone numbers.
So Selene Finance LP did have my phone numbers on file. I explained to the agent from Selene that when they pull a credit report it is not good because it can affect my credit score. He said that is what we do to get information?
XXXX XXXX had questions when they saw this because I am at the end of the re-finance process with them and up pops a credit pull from Selene Finance!
I am no professional in this business but I think a company has to have permission from a client before they randomly pull your credit report and surely not to find a telephone number!
This is outrageous and very unprofessional and un-ethical. The XXXX XXXX XXXX and I both have requested a pay-off on my current mortgage account with Selene Finance LP, we both ask them to put a rush on this because I am about to lose my rate for refinance with XXXX XXXX. Selene Finance LP never responded to XXXX XXXX XXXX! So I reached out to them also to let them know I need this pay-off like yesterday and Selene Finance they told me it would take 5-7 business days to get a pay-out!!! Please help me! I am in need of this information immediately and Selene Finance is messing me up royally with the improper credit check and the time it is taking them to give me a pay-off letter to submit to my new refinance company. It is not fair or ethical of Selene Finance to do this.
|
| 07/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
First of all, Selene Finance LP is a corrupt organization, and they need to be investigated for their activities that violate consumer protection laws.
My most recent issue with Selene ( who is the servicer for my loan which is owned by their parent company XXXX XXXX has to do with the two most recent mortgage statements that I received.
On XX/XX/XXXX, we received our mortgage statement with the coupon for the XX/XX/XXXX mortgage payment. This statement was dated XX/XX/XXXX. It is common that Selene does not actually send out its correspondence on the date listed on their correspondence, but 14 days is a little ridiculous -- and we were getting worried that we hadn't received our mortgage statement. ( As everyone is aware, Selene is not kind about late payments. ) Then on XX/XX/XXXX, we received a second mortgage statement for XXXX -- this statement was dated XX/XX/XXXX -- so it arrived about 20 days after the date of the statement. That statement listed XX/XX/XXXX as our payment date, but we didn't even receive it until XX/XX/XXXX.
Furthermore, I am uncertain why Selene sent out multiple statements for the same month. It made us wonder whether there was something wrong with our account, or something wrong with Selene 's managing of our account.
Selene has continued to show reckless disregard for clear communication with its customers. Its consistent practice of back-dating correspondence exacerbates the issue ( and may be a violation of law ).
As you investigate this complaint and other complaints against Selene, I would ask that you please consider removing the license that allows Selene to practice debt collection due to their substantive and consistent abuses of their customers.
Thank you for your time, XXXX XXXX
|
| 08/08/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This is regarding Selene Finance, phone number XXXX. My mother passed and I am the designated Beneficiary of my mother 's home. I occupy the home and have asked Selene Finance on XXXX for a payoff number and any loan papers if I choose to assume the loan. They said they would send me both via email. They sent me via email on XXXX a payoff for a loan that was not mine and had all of another person 's sensitive information. I called and emailed on XXXX to file a formal complaint because I am concerned that my information is also being misdirected. I sent back the portal they sent me and the following : " Dear Selene Finance, The attachment you sent me is not for my mother 's account. This information is for someone that is not associated with our loan nor my mother XXXX XXXX. You illegally sent sensitive information to me. I would like to file a formal complaint and have assured evidence that you did not send our information to someone else. Please respond to this email. '' I did not hear from them so on XXXX I sent another email requesting the same and this time attached the incorrect payoff they sent me versus the portal. I still did not hear back from them and called again today XXXX. Selene Finance then had someone call back named XXXX XXXX ( supposedly from their legal department ). He said it was an honest mistake. I told him as a nurse if something like this happened there is a protocol to remedy the situation. He preceded to say that since I was " perfect '' I could not understand that this is just a mistake and there is nothing to be done. I decided to end the call and file a complaint with the FTC. Also, I still do not have all the documents that I requested originally. Thank you for any help in this matter.
|
| 01/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX an Appointment of Successor Trustee was filed in the XXXX XXXX Missouri Recorder of Deeds. The document is XXXX XXXX. The Grantor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX but trustee for XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
The Grantee is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX. The Mortgage Holder XXXX Mortgage XXXX XXXX and XXXX XXXX were not registered with the SEC. XXXX XXXX XXXX. By acting as Attorney in Fact for XXXX XXXX XXXX doing Business as XXXX XXXX XXXX for XXXX Mortgage XXXX in appointing XXXX and XXXX as the successor trustee Selene Finance was purporting that the loan was owned by this trust before the mortgage was foreclosed on. By acting as the successor trustee in executing the Successor Trustee Deed Under Foreclosure on XX/XX/XXXX, XXXX and XXXX was purporting that the loan was owned by XXXX XXXX XXXX XXXX doing business as XXXX XXXX as trustee for XXXX Mortgage XXXX, The foreclosure was scheduled for XX/XX/XXXX and rescheduled for XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX submitted documents to the XXXX 's that he purchased the property on XX/XX/XXXX. The letter was produced on the letterhead of Attorney 's XXXX and Associates XXXX XXXX XXXX XXXX, Mo XXXX. Phone Number XXXX XXXX stated that he did not buy the property on XX/XX/XXXX that the sale was XX/XX/XXXX. XXXX XXXX with his attorney XXXX and XXXX gave the XXXX 's a on XX/XX/XXXX a notice to file and Unlawful detainer. Under Missouri law XXXX XXXX notice of the date of foreclosure sale must be given to the tenant. This was on the notice is XX/XX/XXXX, XXXX law in Missouri under statue XXXX.that if the sale does not happen within seven days of the notice the lender has to start all over again.
|
| 12/13/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
My mortgage has gone up 3 times in XXXX! My property taxes did not go up. My homeowners insurance has gone up. I've sent countless emails to the company to the customer service department as well as the disputes department. The responses I've received had nothing to with my complaints or disputes, if there was a response at all which was the vast majority of the time. They said random people had a lien on my house for approximately {$2500.00}, which was not at all true. I checked for myself. I keep getting harassing phone calls which I do not answer, I respond in writing demanding for them to stop calling me stating if they'd responding in writing something that was a blatant lie, I have zero confidence they wouldn't do it in over the phone. I called in XXXX to ask and explain that my mortgage payment would be late due to the 6 week, furlough ( the one and only time my payment was late. Not only did they say they would make a note on my account and there was nothing else I needed to do, not even 30 days late they reported a late payment to the credits bureaus which resulted in a huge negative impact on my credit scores. During a previous complaint I complained about the false late payments they then removed all reporting to the credit bureaus, I think they sit on payments in order to justify charging late fees. I've questioned about mysterious unexplained fees on my account that were never explained but still being charged. With every correspondence I've attached my payment history going back a year each time and this is ignored and/or not responded to or corrected. I've asked them to stop sending documents to a third party on more than one instance they have yet to even comply with this simple request.
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
My name is XXXX and the mortgage company Selene Finance altar the loan modification that me and my parents signed back in XX/XX/2020. I signed as a borrower along with my father XXXX I'm power of attorney for my father he has memory loss. And I'm power of attorney of my mother XXXX, as of XX/XX/XXXX, of this year. And I'm also a borrower too. But I'm not listed as a borrower on the new loan modification. It has been reordered on XX/XX/2020, at XXXX XXXX., in XXXX XXXX county California. My father and I are joint owners of the deed and I sent a copy of the deed to Selene Finance along with a letter asking them to put my name on the modification loan and they didn't add me on the front page of the loan. They added my brother XXXX, and he isn't on the dead he is just a renter and he didn't sign the loan modification. They also left out an important page that I gave my bank XXXX account number and routing number so they can automatically withdraw monthly mortgage payments. And they even left out the power of attorney papers too. I didn't see any of the pages on this loan modification that is reordered back in XX/XX/2020. And I was told once the loan modification when recorded that all three credit scores would show that I own house and that I am making the Mortgage payments to Selene Finance. As of today, XXXX doesn't have me paying mortgage payments to Selene Finance. This has been a big hardship on me I have to call and make monthly payments over the phone and I had to wait sometimes over an hour to speak to an agent and a lot of times I would get cut off. And I can not refinance because my credit score is low because of Selene Finance not reporting my information to the credit bureaus.
|
| 11/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Appeal / Escalation to Denial from Selene when XXXX has {$60000.00} funds ready to apply Selene Loan # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX HUD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Foreclosure Trustee : XXXX XXXX XXXX XXXXXXXX XXXX Washington Issue : XXXX is approved for XXXX funds on XX/XX/XXXX of up to {$60000.00} to go towards reinstatement/modification but Selene continues to refuse to work with XXXX XXXX and instead is moving forward with the foreclosure.
It is inconceivable that XXXX has XXXX for Selene and Selene can not work with XXXX XXXX on fees or a repayment plan for the additional money. We could even try and get an exception with XXXX if Selene would accept the XXXX and remove fees to be paid at a later time. The law does not require fees to be paid at reinstatement. Selenes delay continues to cause XXXX to incur additional fees driving her further into delinquency.
Proposed Resolution : It is not required to pay the fees to reinstate a loan. Selene to accept the {$60000.00} from XXXX with the remaining delinquent balance of approximately {$10000.00} to be paid later. Allow XXXX to pay the additional fees through either a formal repayment plan or spread it out over 60 months which works out to be about {$170.00} per month for 60 months which is affordable to her.
This would allow XXXX to stay in her home which is also the source of her self-employed business income.
There has to be a way to make this work to take advantage of the XXXX funds with everyone benefiting from the XXXX funds including Selene.
Fees are not required to bring loan current : *Sale date is XX/XX/XXXX
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Selene Finance has been reporting fraudulent mortgage information to XXXX, XXXX, and XXXX. I have contacted them several times to correct the information but they continue to lower my credit score with false and fraudulent information. Listed below are some of the actions they have done.
1. They are reporting that the account was opened on XX/XX/XXXX, which it was incorrectly transferred to them on XX/XX/XXXX by XXXX XXXX.
2. They have reported to XXXX and XXXX that the Last Payment Made was on XX/XX/XXXX, and they reported to XXXX that the Last Payment Made was XX/XX/XXXX. No payments have ever been made to them. This debt was included in Bankruptcy Case filed under XXXX XXXX XXXX the United States Bankruptcy Code, entered on XX/XX/XXXX at XXXXXXXX XXXX and filed on XX/XX/XXXX. The court requested a validation of debt from XXXX XXXX XXXX c/o Selene Finance LP and it was ordered that XXXX XXXX XXXX c/o Selene Finance LP claim XXXX XXXX XXXX It was further ordered that the property was not subject to the bankruptcy estate and debtor XXXX XXXX is not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX
3. They have reported a balance of {$180000.00} with {$73000.00} being past due, and there is no past due balance because the loan was paid off thru XXXX XXXX. XXXX XXXX incorrectly transferred a closed mortgage account.
4. They have labeled the accounts as a Account Included in Bankruptcy, and Loan Modified. This is incorrect because the judge dismissed their claim and stated that I was not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX
5. They also continue to show this account as open and currently delinquent.
|
| 08/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am contacting the CFPB for help as I am worried about my home going into foreclosure and the mortgage servicing company is not being reasonable. My loan became delinquent as of XX/XX/XXXX when I, XXXX XXXX became ill having XXXX issues and unable to work. In XXXX, the doctors were not testing for XXXX but I had all the symptoms. Selene Finance put my loan on a forbearance through XX/XX/XXXX and told me they could not extend the forbearance any further. My wife and I paniced knowing we did not have the funds to reinstate the arrears nor could we afford to resume making our regular monthly payments. My wife was working two jobs but it was not enough to cover the household expenses on her own. I managed to find new employment and we applied for mortgage assistance with Selene Finance. After being in review for some time, they offered us a six month trial modification starting XX/XX/XXXX increasing our payment from {$1800.00} to {$2200.00} which is an increase of {$420.00}. They increased our rate of 4.5 % to 6 % then amortized the loan over 40 years but due in 30 years. They even shortened our current maturity date which was XX/XX/XXXX. This results in a balloon balance owed at maturity in the amount of {$120000.00}.
It seems to be Selene Finance is taking advantage of this situation and putting me in an even worse hardship. I questioned why, being my property is in New York, why I am not being offered the three options under New York Banking Law 9-X with one of the options would be to extend the maturity date by the number of months on forbearance. They said the investor on the loan was not offering this. I am confused as to my understanding, this is a state law.
|
| 05/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX approved my forbearances during the pandemic. I was going to get back to my old payments at the end, but they called me to go for loan modification. I made the trial payments as they instructed in XXXX - XX/XX/XXXX, and XXXX XXXX XXXX, but the loan modifications documents had wrong information and never went through.
They sold my loan to Selene Finance in XX/XX/XXXX and I made my old regular payments to Selene Finance from XX/XX/XXXX. I found that the trial payments from XXXX - XX/XX/XXXX ( {$2000.00} x XXXX ) and XXXX XXXX XXXX ( {$2000.00} x XXXX ), plus a payment of {$2700.00} on XX/XX/XXXX, total of {$17000.00} were unapplied to my loan.
They called me almost everyday and I asked them to explain to me what happened to those payments, they never explained clearly. I requested them do NOT call me but send their explanations in writing only, but they sent me the wrong information again and again. And they also kept calling me, when I answered the calls, they often hang up or have me listen to the music for a minute then hang up. I called and spoke to a guy on XX/XX/XXXX, and spent over an hour on the phone with him, but he was not able to tell me how they calculated my balance. I asked him to get a XXXX to call me back, and XXXX XXXX called me last week, promised to investigate and get back to me this week. But he called me today stating that nothing was wrong on their records but he couldn't tell me what's happened to those payments I marked on the activities of my accounts history, because he was not the one looking into them, and the people who did look into them were not able to speak with me ( the public ). I was really disappointed and upset.
|
| 07/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to medical and financial hardships and losing work during the pandemic, I fell further behind in my mortgage with my former lender XXXX XXXX I was on a foreberance plan and my first payment after the foreberance was going to be {$2400.00}, due XX/XX/2022. In XX/XX/2022, I began getting strange letters from a company called Selene Finance saying they were now my mortgage company. I received letters from Selene almost weekly with different instructions, information, etc. I called and spoke to a Selene Financial representative and asked for the meaning of the letters I received, I was told this company was now the mortgage company I should pay my mortgage to. them. I was about to make my first payment for XX/XX/2022 to Selene, and then I started receiving letters saying I had to pay {$3300.00} ( approx ) Selene also raised my interest rate, and the principal balance. I tried consistently and over and over again with various representatives sending my agreement/forbearance/modification with XXXX and although all the representatives I spoke to said Selene would honor my work out with XXXX, they did not. Selene told me to apply for a modification with them, and when I did, they came back with again a higher interest rate, higher principle balance and a monthly payment in the amount of {$4200.00}. Selene has not honored my terms with XXXX, I have no explanation as to why, they will not honor my terms from XXXX and how can they change my interest rate? Selene Finance seems like a mortgage company that is not reputable nor do they care about the transferred/sold clients they have in their portfolio.
Have tried to load supporting documents keep saying file too large.
|
| 06/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my HUD XXXX XXXX, XXXX XXXX, XXXX and In XXXX I ended up submitting a complaint to the CFPB ( XXXX ) because I was getting mixed responses from Selene Finance on the status of my application submission. After CFPB became involved, I received a call from Selene Finance advising that my application was complete and that the underwriter submitted the modification proposal over to the investor.
I was then contacted by XXXX XXXX from Selene Finance and was told that they should be hearing of a modification approval by the investor by XX/XX/XXXX. On XXXX my XXXX XXXX tried to reach Selene Finance and after no success. I called in and was told by Customer Service Representative that my loan modification proposal was still being reviewed by the investor but that I should be hearing back from them by XXXX. On XXXX I tried reaching out and was unable to reach XXXX XXXX. I gave it another week and reached out to Mr. XXXX then advised that my proposal was still being reviewed by the investor and that I should wait another week. It is now XX/XX/XXXX and as of today, my XXXX XXXX was advised that my loan modification proposal was still being reviewed by the investor.
The concern my XXXX XXXX has is that after 30 days Selene Finance or the investor can come back and ask that resubmit the loan modification application because the documents I submitted back in XXXX are no longer valid after 30 days. Therefore, shes asked to reach out to you for further assistance.
XXXX regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/21/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
After divorce I had to file bankruptcy. I paid off my debts and came out of the bankruptcy XX/XX/XXXX. My regular payments resumed and I continued to pay without missing a payment. My credit score had increased so I decided to refinance my home. I logged onto the website to get my information regarding the payoff balance etc and Selene said that a bankruptcy was attached to my account that was in effect as of XX/XX/XXXX. I was advised I could make payments but would have to have the lawyer submit proof of bankruptcy discharge. I have sent this by email after multiple escalated calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The times I have called is also substantial.
I was approved for a refinance loan at almost 50 % of what I pay to my mortgage company and I have been unable to move forward with this because they won ; t take the bankruptcy documentation off of my file. Luckily it does not show on my credit reporting, because I am not in an active bankruptcy. What are my steps I can take to get them to fix this so I can pay my bills? I deserve the opportunity to have a lower mortgage payment so my family can continue to thrive. I have paid of the bankruptcy, repaired my credit and worked hard to do this.
Every time I call, I advise them I want to speak to a supervisor for an escalated issue. I am asked if this is the mailing address, do I live in the physical house etc. and mail is still being sent to the bankruptcy lawyer, who in return, puts it in an envelope to me and adds a sticky note asking why are they getting my mail, they dont represent me anymore. I have occupied this home in good faith for 13 years as of XX/XX/XXXX.
|
| 03/29/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I deserve communication from my mortgage loan servicer. My previous correspondences XX/XX/XXXX Hardship Letter XX/XX/XXXX Re : Request for Forbearance on Mortgage Loan XX/XX/XXXX Re : Request for Forbearance # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Payoff Statement Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX QUALIFIED WRITTEN REQUEST forbearance XXXX XXXX XXXX XXXX XXXX - email XX/XX/XXXX XXXX documents Loan Modification Request XXXX XXXX XXXX XXXX XXXX are still unanswered. The passage of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act stipulates that every borrower who attests that they have been directly or indirectly impacted by the COVID-19 pandemic, regardless of delinquency, is entitled to a forbearance plan. Additionally, since XXXX, the federal Real Estate Settlement Procedures Act ( RESPA ), as enhanced by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, and its mortgage-servicing rules have given borrowers a bill of rights to protect them in their interactions with mortgage servicers. Mortgage servicers are also required to exercise diligence in investigating and responding to a borrowers properly prepared notice of servicing error.
XXXX is the servicer of my mortgage loan on the property located at [ XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. My loan number is XXXX The loan is federally backed and subject to the forbearance protections in the newly passed CARES Act. I attest and affirm that I am experiencing a financial hardship caused by the COVID-19 emergency and request forbearance on my mortgage loan under the CARES Act for 360 days. See Attached COVID-19 Hardship Declaration
|
| 09/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Important fact : I am not the note holder on the bank note in question.
I am a property owner listed on the deed of trust to a property Selene Finance is pursuing foreclosure on.
Last payment paid to Selene Finance was XX/XX/XXXX.
Bank note holder filed bankruptcy and it has been XXXX XXXX Relationship to bank note holder : x-wife.
Refinanced XX/XX/XXXX new deed, x-husband tool bank note in his name as per divorce, mine remained on deed of trust as he owed me {$50000.00} in equity.
New deed paperwork was signed at my home in a different state and is noted on the deed.
I received a call from a realtor on XXXX XXXX inquiring why we were letting the home go to foreclosure?
I had absolutely no knowledge. Selene Finance or the XXXX XXXX XXXX and XXXX made absolutely no attempt to notify me the property was at risk or being foreclosed on. Spoke with XXXX and XXXX on XX/XX/XXXX who confirmed my name and present address was in the file however all correspondence was being sent to the vacant property being foreclosed on.
Quick claim deed executed on XX/XX/XXXX and recorded on XX/XX/XXXX deeding the home solely to me.
Home listed on the market XX/XX/XXXX.
Contracted to sell on XX/XX/XXXX with a settlement date of XX/XX/XXXX I have tried repeatedly to speak to Selene Finance. I have provided the new deed as asked by Selene Finance rep XXXX on XXXX XXXX so they could add me as succession. They refuse to add me.
I have spoke to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX who have become increasingly hostile.
I am trying to ask for the excessive amount of fines, fees and charges be removed as they failed to contact all property owners of default.
|
| 05/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Property located at XXXX XXXX XXXX XXXX, XXXX PA XXXX # XXXX Selene Financial. I paid this amount for my school taxes at the time of closing with Quantic bank for the sum of {$14000.00}. I received a letter from the county for taxes delinquent and I reached out to Selene Finance as to why this amount was not paid even though I already paid this amount at my closing. Selene representative told me that it is the responsibility of Selene Financial to pay the tax. Upon reviewing my account Ive noticed that the delinquent taxes were paid from my escrow payment which includes penalty that was incurred for late payment which in turn result in my monthly payment to be increased from {$5200.00} to {$6300.00} on a monthly basis due to increase payment form escrow account. I indicated to Selene Financial representative that I am unable to pay this amount on a monthly basis with the possibility will cost me to default on my mortgage.
I am being charged twice for the same taxes once at closing and again from my escrow which balloon my monthly payment. I honestly believe that upon the purchasing of my mortgage from XXXX XXXX it is Selene Financial responsibility to ensure that all payments are made before taking on the responsibility of owning and managing my mortgage, now Im at a disadvantage and its impossible to explain this to customer service Ive been on the phone for over two hours trying to explain this to customer service.
I spent hours on the phone with Selene representative who asked me to email copy of my closing statement which I did I never received a response from Selene financial as to the status or a confirmation of my email. Please assist
|
| 02/16/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
Selene Finance is not a mortgage service company. They hold themselves out as XXXX but in reality, they answer the phone and upfront tell you they are a debt collection agency attempting to collect on a debt. They read you a disclosure on a tape-recorded message before they will speak to you as any debt collector or debt collection agency does.
Under the CARES ACT set up by Congress a Federal law was enacted CFPB set forth that companies like Selene and others could not collect LUMP SUM PAYMENTS for Forbearance payments when the forbearance period ended, in my case, it was 18 months long.
Selene, claims I am 40 months behind in my payments and is trying to force me to pay {$100.00}, XXXX, XXXX to bring my account current when in reality they have added {$52000.00} worth of payments to my account, which they know is wrong. I spoke to XXXX XXXX this XXXX XX/XX/23 about XXXX XXXX and he refused to discuss the matter with me. I have emailed Selene also, so they are fully aware of the situation, that I have made them aware of. Yet they are moving ahead with my foreclosure sale.
I asked for a copy of my modification that XXXX granted and then Selene turned it down, and it has yet to come to me. XXXX XXXX again said that the papers were sent via email to me yesterday to the email address I gave them XXXX. They still have not arrived after 24+ hrs. I have been informed by CFPB that the modification that XXXX gave me, that Selene must honor, just like Selene must honor the Cares Act, does not allow them to dump {$52.00}, XXXX in the loan amount along with insurance and fees on top of me and then move to foreclose.
|
| 06/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene Finance is the mortgage company that I have a loan with.
I have been trying to get a loan modification with them. All documents were sent several months ago.They have used stalling tactics to keep our loan from reaching the underwriter. We have have documented date times and duration of every call and it is pure waste of time.
It is as if these folks are not trying to help customer in need of mortgage assistance on purpose. All required documents have been sent. Yet they continue to string us along to this day as we approach the deadline for the file to be reviewer.
When we ask for managers or escalations, we are dumped right back into the queue for calls to start over. We have been put on hold for infinite amounts of time.
One of the supervisors name XXXX XXXX informed me that I would get a call back from the escalation team and no one returned the call.
She claimed that she would write a letter of complaint of my behalf to the ombudsman and I explained that his would be a conflict of interest if such a department existed.
Their business practices are very shady and how they handle customers is terrible. I feel bad for anyone who has to put up with the treatment they get.
The level of customer service is terrible but the stalling tactics are in violation of many laws and this is why I decided to file a complaint here. I hope CFPB Can address these issues as I have documentation to support my claims.
If you are dealing with Selene Finance, please logged date and times of all calls, names of people you speak to and their supervisors. There seems to only be one that keeps taking our calls.
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our mortgage was sold to Selene by XXXX the summer/fall of last year. My husband is on permanent XXXX due to XXXX, and I am unemployed ( Covid-19 related ). I was able to find a part time job, but not nearly the same amount I was making before Covid, plus the job is a grant-funded position. We were under forebearnce with XXXX and was at the beginning of applying for a modification when our mortgage was sold ton Selene. My husband also is under XXXX XXXX bankruptcy.
Weve tried to work with Selene numerous times on a loan modification. We have a XXXX XXXX XXXX son and nowhere to go if we lose our home. Selene sent my husbands bankruptcy attorney a modification, whereby we had to make one payment and then Selene would give us a permanent modification and agree to esponge my husbands bankruptcy records. We held up our end of the bargain, but Selene hadnt. They told the attorney they sent the modification in error, even though we paid the amount in the mortgage and have been paying the regular mortgage amount since XXXX of XXXX. Worst of all, the money we paid has been reversed by Selene, but we havent gotten any of it back. They are impossible to reach and when we did get a representative, we were told they couldnt speak to us about our own account.
The bankruptcy judge says he cant force them to uphold the agreement and we have yet another court date. We dont know what to do. It seems like Selene isnt interested in helping us keep our home, but wants to foreclose on it. We have a young son and need to keep our house. We want Selene to honor the trial modification they sent us. Weve done our due diligence.
|
| 09/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Below is what I sent to Selene Finance : On the purchase of my investment property, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, my loan originated by XXXX closed in XX/XX/XXXX- As you know, Selene Finance purchased the mortgage loan and/or servicing rights from XXXX Mortgage in XX/XX/XXXX - XXXX taxes to the city of XXXX XXXX were due on XX/XX/XXXX which Selene never paid, even though it was required by both law and the loan documents for an escrowed loan. As you are also aware, I was unaware of that until applying for a Certificate of Occupancy in early XX/XX/XXXX - In order to complete the CO process, I had to pay the taxes myself ( copy of payment attached - reference payment on XX/XX/XXXX ) and expected a reimbursement from Selene Finance while you figured out why you made this error - For over a month I have spoken to a number of customer services reps and team members in your tax department and continually get a run around. Your responsiveness and customer service is clearly failing the baseline requirements of TILA, RESPA, state law, and the XXXX UDAAP requirements.
- You told me that according to RESPA that Selene wouldn't have been able to pay the XXXX taxes as there is a 60 day review process and that XXXX would be responsible for that, which my lawyer said is not correct in the first place and additionally at this point it's been well over 60 days - However, you also said that you'd work to get me reimbursed and then contend with XXXX on the other end of the corporate dispute.
- It's been over a week and still no resolution has been made. And this is after months of disputing this issue with Selene.
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
This letter is regarding credit report entries which are not being reported as required by Federal and State laws on my personal credit report account under SELENE FINANCE for account # XXXX on XXXX, XXXX, and XXXX credit bureaus.
On or around XX/XX/XXXX, the credit report scores belonging to my husband and I, dropped XXXX points because previous servicer, XXXX, closed our home loan account with the credit bureaus. We were notified by the previous servicer, XXXX, that Selene Finance would be the new servicer on our loan. We have made payments to Selene Finance since XX/XX/XXXX, and they have not reported any activity on our credit report.
In addition, we have contacted Selene Finance for the following three other issues regarding the servicing of our loan : 1. The loan amount since XX/XX/XXXX is incorrect according to a letter from the previous servicer.
2. Selene Finance is collecting money for home insurance in the monthly escrow payments but has refused to pay the company who we selected for our homeowners insurance. We received an email that the company is going to cancel the insurance if they do not receive payment.
3. We have not received an escrow disclosure form from Selene Finance.
As a direct result of the closing of the loan from the previous servicer and Selene Finance not reporting our current payments for the last 3 months, we have been financially harmed with a higher insurance premium on our auto and homeowners insurance policies. In addition, we have been unable to refinance our home loan with another bank because the payments are not reflected accurately on our credit reports.
|
| 08/05/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was told on XX/XX/2020 by my Mortgage company, Selene Finance, that I was approved for a 3 month forbearance and a 6 month repayment plan that would be $ XXXX/month for 6 months. I got a call this morning from Selene Fianance about my XXXX payment and I explained to the Rep that I was on a forbearance and repayment plan. The Rep stated that she didn't see a forbearance on my account and the only thing that she could do is send me a package to see what they can do. So I called back and spoke with 2 reps ( 1 being the original rep that stated that I was approved ), they both told me the same thing again this morning, XX/XX/2020 that my Forbearance was approved by underwriting but it wasn't put in the system. The original Rep assured me that there was nothing that I needed to do and stated that she would email her supervisor, who was unavailable, to have her give me a call. I didn't hear back, so I called back in. I spoke with a Supervisor and the Rep that called me this morning and they stated that my forbearance was not approved and the Manager stated she had a long conversation with the rep that gave me the incorrect information and she would check with the lender to see if they will honor this request. I am filing a complaint because the Reps at Selene Finance are giving out incorrect information and jeopardizing the lives of people who are already suffering during COVID. This is unacceptable and I need for this issue to be resolved immediately. I am ready to hire an attorney and proceed with a law suite against Selene Finance. I have voice recordings of each and every call and my documentation.
|
| 10/21/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Me and my spouse acquired this property of my dead uncle about 8 months after he passed.wemoved in around late XXXX cleaned up had utility on in my name and started fixing up the places little after two months we started getting notes on the door stating we're not supposed to be there. I also had please in my name so afterwards we were getting harrassed by people coming to the door posting notices. Notices we responded to pretaing on how to fix his my uncle 's mortgage. He was not that much behind hed passed so Bill 's started to pill.Meanwhile I had to start going to court and after a while of going to court with affidavits declarations and documents pertaing my stay we still got kicked out. They arrested me on probable cause I was in for a month when I get out all my belongings everything I ever owned even my registered dog was gone disposed. I had still leaves in the house and all my property was still in there there was no certified documented thru courtsnotice or nothing informing me of a kickout or throwing my belongings away pursuant to NRS. Meanwhile the case is still open. They say XXXX XXXX XXXX was the trustee while along I'm having civilian who say she worked for XXXX XXXX ( XXXX ) come to my house call police and I literally watch them when I got kicked out start cutting wood and board up my place along with them take several of my work tools money and property. My house was also my home business registered with the state of Nevada. Companies involved Innovative real estate strategies XXXX XXXXXXXX XXXX XXXX dba XXXXXXXX XXXX not individually but trustee for XXXX XXXX XXXX XXXX
|
| 03/02/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Fact, the fourth amendment is intended to ensure that the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized, and my fourth amendment right has been violated so be it. I XXXX XXXX entered into a consumer credit transaction with Selene Finance XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance Charge is supposed to include insurance, but Selene Finance made me purchase insurance separately. XX/XX/XXXX, we sent in a negotiable instrument, affidavit of truth, directions on what to do to discharge the debt. It was accepted, and about a week later it was reversed saying that they can only accept certified funds. We were already sent a congratulations letter which I will attach. Since then, I've asked for a Set Off, however have yet to receive a response on that. I've had to pay insurance and property taxes out of pocket since then and have not been given what I have in escrow. We've spoken to numerous agents, with no resolution. Such conduct from Selene Finance has caused me to suffer severe humiliation, and embarrassment, emotional distress, and physical discomfort. They have violated 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this debt.
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX, I lost my job and we were forced to do a XXXX on our home with XXXX XXXX. After we signed the paperwork, XXXX XXXX sold the mortgage to Selene Finance without taking possession of the property.
Selene Finance immediately filed for foreclosure and we did a XXXX with them. By XX/XX/XXXX, the property had been transferred and the foreclosure dismissed.
After that, Selene Finance falsely reported that we owned them {$33000.00} to the credit agencies. They knew this information was false when they reported it.
This does not appear on any of our credit reports. It only appears on the credit reports that lenders receive. We have been denied credit twice because of it and are in the process of being denied a mortgage I contacted XXXX XXXX at Selene Finance, the manage who handled the XXXX who told me that the information was not correct and that we don't owe Selene Finance anything. He had me send an email to their Customer Support, which I did, to get documentation to that effect.
I followed that up with a phone call to Selene Finance CS and they acknowledge that they got the email and that the information is false but refused to provide us any documentation showing that we don't owe Selene Finance anything.
We are about to be denied credit for the third time because of Selene Finance.
All because Selene Finance knowing reported false information to the credit bureaus - information that is not shown on our credit reports - but has made it so we can't get a loan for a house or anything else.
Worse, they admit the information is false and are refusing to correct it.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Selene Finance LP, until XX/XX/2022 was my mortgage lender and has repeatedly reported wrong information about my loan to the credit bureaus affecting my XXXX score. In XX/XX/2022, I made my mortgage payment to Selene Financial LP as usual and on time, in XX/XX/2022 Selene Finance LP, incorrectly reported me to the credit bureaus as not making my mortgage payment for the month of XX/XX/2022 and being delinquent. After making a complain and sending multiple disputes 45 days later Selene Finance LP admitted their mistake and notified the credit bureaus of the error they made. Today, I am making another complaint because Selene Finance LP bad quality of service has affected my credit report once again. My property/loan in question was sold in XX/XX/2022, since XXXX of XXXX the balance of the loan is zero. During the month of XX/XX/2022 Selene Finance LP reported to the credit bureaus that the loan was sold and the balance was zero. On XXXX XX/XX/2022, Selene Finance LP incorrectly reported to the credit bureau that the balance of my loan was now XXXX $ even though I don't have that loan anymore and was reported a month before as the balance being zero since the property was sold in XX/XX/2022. Because of the high balance being incorrectly reported to the credit bureaus as if I still had a Loan with Selene Finance LP my credit score went down by XXXX points. I am in the middle of purchasing a property and due to the huge mistake done by Selene Finance LP, I cant proceed with my purchase until the credit is fixed. How many more times is Selene Finance LP going to affect customers???
|
| 04/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX of 2020, I requested my mortgage company, Selene Finance, to be placed into forbearance due to the pandemic slowing work and desperately trying to get the house ready to be sold. We were placed in forbearance XXXX, XXXX and XXXX. I began paying again in XXXX. I paid 2 payments in XXXX for XXXX and XXXX. The was sold at the end of XXXX. During that time i tried to reach out to the company on several occassions via phone and email. I could never get anyone to talk to me about my account to make sure everything was on track being that were back into paying payments. When we sold the house we tried 15 times between us and title company to recieve a pay-off letter. It wasnt until 3 weeks later that i recieved a letter in the mail. Their XXXX i owed them sat in an escrow account the entire time. They were paid, they satisfied the loan with the courts.
Then when i ran my credit again, they placed a 90 day late payment in XXXX on XXXX ( never a 30 day or 60 day ). I have tried several times to work with them and i have now spoke to 15 different agents and i get a different answer every time.
1. i was told that since i paid the loan off early it kicked us out of forbearance 2. I was told the title company paid the mortgage {$14.00} short 3. I was told the XXXX payment was applied to XXXX and so on.
The list goes on. Everytime i try to get someone to help me, I am told to email customer service and then i never recieve a response. I have every bank statement, all document and all information that shows that we did everything keep ourselves in good standing with them.
|
| 11/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
I filed a previous claim # XXXX reference numerous repeated charges, large additions to balance owing after signed modification, confusing nature of Selene 's payment history documentation, needed explanation for double charging of loan amount monthly and failure to report to credit bureaus since initiating account with Selene.
Selene 's response ignored any of these concerns, included only a forwarded copy of my modification document ; which didn't address any of the above noted items, and they promised to stop asking for my dead father with each call.
Well, Selene still asks for my dead father on each call...
Their documentation is the same ; without reason or clarification of repetitive and double fees, and they continue to ignore my requests to reduce my loan to a fair amount, to restore their fraudulently applied check and NSF fees, or to explain {$37000.00} in " Corporate Advance Adjustment fees '' that increased my balance after signing.
My prior complaint included a 17 page log with minimal, detailed compilation of all correspondence/transactions with XXXX. I organized it in the closest semblance of intelligence that I could create from their chaotic and inconsistent documentation.
My {$150000.00} balance, that I signed as {$130000.00}, should have a XXXX XXXX monthly payment, plus escrow. Selene mandates an {$1800.00} monthly payment, to prevent Foreclosure.
This is equivalent to a {$250000.00} mortgage, not the {$130000.00} I signed documentation for.
This company refuses to be transparent, consistent or apply honest business practices.
|
| 12/15/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
Selene Finance is not accepting my checks. They received a check dated XXXX on XX/XX/XXXX in the amount of {$7000.00} for a statement that was dated XX/XX/XXXX with a due date of XX/XX/XXXXXXXX for a total amount due at the statement date of {$6900.00}. I received a FedEx standard overnight package from Selene Finance on XX/XX/XXXXXXXX with a letter and the check for {$7000.00} with the statement that the check was returned for Unable to process, loan is in foreclosure. So I immediately called Selene Finance upon receiving the XXXX package to ask why. I first talked with a customer service representative named XXXX and she could not give me any information about the loan or why the check was returned. When I asked her if I could talk to her supervisor she said no but would take my number and a supervisor would call me back. I left my number and never received a call from anyone from Selene Finance and I did confirm my number with XXXX. I called Selene Finance back that same day of XX/XX/XXXX and spoke with a different customer representative agent named XXXX and again was not given any information. So I sent another check for {$8500.00} that was dated XX/XX/XXXX for the statement closing date of XX/XX/XXXX with a total amount due of {$7800.00} and due date of XX/XX/XXXX and the check has not cleared my account so I dont know what the status is of the check but on XX/XX/XXXX I received a Notice of Sale on XX/XX/XXXX with a scheduled date of sale for XX/XX/XXXX. I am trying to resolve this but I am getting no response from Selene Finance.
|
| 11/16/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Our home mortgage was transferred to a company called " Selene Finance '' located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX, XXXX XXXX. XXXX.
In XXXX 2020 there was a bad hail storm and we had alot of damage to our roof which required replacement. We contacted our insurance company, XXXX XXXX, who began processing our loss. We contracted a roof construction company, XXXX XXXX XXXX XXXX, XXXX.
We arranged a construction date and notified Selene Finance of our situation. We then paid the roofer the initial deposit. Because the second check was made payable to my husband and myself AND Selene Finance, we signed the check and sent it for Selene 's processing which we eventually was able to give the new Selene Finance check to our roofer, but we did not receive the final payment for the roof at this time. We requested final payment based upon inspection of good/complete work done.
To date ( XX/XX/2020 ) we have not received final payment and our roofer still has not been paid for the final payment XXXX {$7500.00} XXXX. We know XXXX XXXX paid Selene Finance on XXXX XXXX, 2020, for this amount, but Selene Finance will not release these funds to us. We have tried and tried to communicate with Selene Finance but we are told " the check is being approved '' which has been going on for over a month. No one seems to be able to help us expedite payment to our roofer.
We appreciate any assistance you may offer to help us complete this transaction.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, TX XXXX XXXX
|
| 07/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have been trying to resolve this situation with the mortgage company Selene Finance since XX/XX/XXXX. We got behind because of some personal issues. We sent a payment for 2 months and we owed 3 they sent it back in XX/XX/XXXX.
We called and sent emails in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. When we would call we would be on hold hours and still not get a person. We would be hung up on. Our emails would be rejected saying the wrong email address, but it was taken from the web site. We mailed our loan modification request paperwork to the address on the paperwork. We could not get someone on the phone till XXXX. At that time they told us that was the wrong address and email it to them. So we did then, then we were told it was too close to the sale date to evaluate with them. Now we can not get them on the phone, we just want them to move the sale date so we can have a little more time to come up with the money. We started recording the phone calls showing them hanging up on us, giving us wrong information and just not wanting to help us. They just want out house. We have XXXX kids and all we want to do is keep our house and we want a mortgage company to work with us to save it. They do not. Please help us if you can. I am just attaching one example of email communications that state they never went thru. We have more records and recording of our most recent phone calls to valid our case. We have been trying to resolve this situation and they have not wanted to help us.
Thank you very much XXXX and XXXX XXXX.
|
| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
When we applied for a refinance and or a loan modification with Selene Finance, we were told Selene does not do refinances and we were denied 3 times for a loan modification till we approached CFPB. We were then approved for a loan modification. We had asked for a principal reduction and a lower rate of interest or a prepayment waiver. We were denied all 3 requests. By denying us all 3 requests, Selene is putting us in a position to fail as the payments are very high and we are locked into their system for 3 years. I have spoken to XXXX XXXX XXXX who I believe is a manager and at the time of the loan modification, he suggested to take the loan modification and then to refinance with another company as Selene does not do refinances. I addressed the prepayment penalty at that time and he said when you are close to getting a refinance ( which we are at this point ), to make the prepayment request to him. I have left 3 messages for XXXX XXXX with no response and this morning was told by XXXX that the waiver was denied. This is putting us in a very difficult situation.
We would like for CFPB to please mediate on our behalf to either do a principal and rate reduction or to get our prepayment penalty waived.
As we both our unemployed and can not find higher paying jobs, we need the help to reduce our monthly PITI payments to closer to {XXXX} per month. If Selene can not do so, they can release us and let us refinance with another mortgage company by waiving the prepayment penalty. Any assistance in this matter is appreciated.
|
| 09/11/2023 |
Yes |
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Web |
|
|
Selene Finance refused to give me a loan modification, stating that, they would not because of an upcoming sale of my home, which then violated my homeowners bill of rights.
I then called XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX.
They tried to speak to Selene Finance on my behalf. When applying for a loan modification through XXXX XXXX XXXX Selene Finance came back with a payment of {$4000.00} a month as a new mortgage payment when they know that is entirely out of my reach.
XXXX XXXX XXXX XXXX XXXX XXXX then directed me to speak with an attorney at XXXX XXXX XXXX XXXX which is a part of XXXX XXXX XXXX XXXX XXXX XXXX a XXXX stating that they are a faith based organization, which they are not.
I have been dealing with the Law group since XXXX. I have not once been contacted by my attorney and have spent {$7000.00} to date.
The Attorneys name is XXXX XXXX.
He is currently out of the country and I have an upcoming auction date on XX/XX/2023.
Nobody will return my calls from the XXXX XXXX.
I feel as though they are trying to help me go into foreclosure rather then helping me try to get out of it. And have paid them money, that can not be accounted for.
Ive asked for a complete accounting as well as all documentation related to my case over a month ago, and still have not received anything.
Im constantly getting the run around from all 3 of the entities. But right now, Selene Finance and XXXX XXXX XXXX XXXX are not cooperating with each other and or me.
I have been left in the dark since XX/XX/2023!
|
| 02/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
l fell behind on the payments due to the COVID lockdowns in my state. I contacted Selene Finance the loan servicer and asked for help they sent me a packet to fill out. While this was happening I received a letter informing me of a transfer or mortgage assignment to, XXXX XXXX XXXX XXXX XXXX as owner trustee for XXXX XXXX XXXX XXXX.
Then I returned the paperwork packet completed in XX/XX/2021 and the end of XXXX received a letter stating I was approved for a deferral program, But I had to accept it by XX/XX/XXXX. I created a letter accepting this deferral program and faxed it mailed it and emailed it. Then on XX/XX/XXXX I called and accepted it verbally. I was told I would receive paperwork in a couple of weeks to sign and with direction to make the first payment. I never saw the packet. In XXXX I started calling asking where it was. But they wouldn't answer my calls. I used the number on file. So on XX/XX/XXXX I used another number They answered and told me the initiated the paperwork on XX/XX/XXXX. But explained the person on the XX/XX/XXXX call was suppose to take a payment and failed to. note the letter never said that. She said she needed permission from a supervisor to complete it and would call me Thursday evening or Friday. Never received a call, I called today again using a different number and talked to a second lady, she agreed I should have received a call but will try to handle it now. Then she said on XX/XX/XXXX they placed it into foreclosure and she couldn't do anything, This call was XX/XX/XXXX.
|
| 08/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene is the 2nd mortgage on this property. The 1st mortgage is with XXXX and has a foreclosure date set for XX/XX/21 that was postponed from XX/XX/21.
On XX/XX/21 a short sale offer package was submitted to Selene. This offer would pay off the 1st mortgage with XXXX in full and provide quite a bit of funds to Selene toward their mortgage balance. If nothing is done XXXX will complete the foreclosure and likely eliminate Selene off the title with no or very little funds going to Selene.
I have called every few days since XX/XX/21 and told numerous times that there are no notes on the file and reps pointed out the XX/XX/21 foreclosure date. Each time I pointed out the foreclosure date was XXXX 's date not Selene 's and that it had been postponed.
Numerous times I am told that internal messages have been sent to the short sale dept to get back to me. I receive no calls or emails.
Now I am told that on XX/XX/21 a letter went to the homeowner stating a short sale could not be approved because foreclosure is too close. Since CFPB regulations state that the servicer is to make a good faith effort to review a workout request if it is received more than 37 days prior to a scheduled foreclosure date, then this emails states that either Selene is ignoring those regulations and has failed to notate the correct foreclosure date.
As of today XX/XX/21 Selene 's representatives tell me their system does show the foreclosure is in XXXX. So there is clearly enough time for Selene to review this offer for the homeowner.
|
| 11/12/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received credit monitoring alerts of changes to my credit report ( from various card issuers and XXXX XXXX ) over the course of this past week and reviewed my credit report via XXXX XXXX today ( XXXX XXXX, XXXX ).
There is now a mortgage listed that I did not acquire from " Selene Finance LP '' with a balance of {$380000.00} as of XXXXXXXX XXXX XXXX
I called the number listed in the report ( XXXX ) on Saturday, XXXX XXXX XXXX around XXXX XXXX. I was transferred without my consent to a representative making a sales pitch for a medical device. After stating multiple times that I was not interested, I was transferred without my consent to a different number with a recording, indicating that to discuss the account, I must call XXXX. I called that number and heard a recording that directed me to call a different number to discuss the account. Given my experience thus far, I am now seeking help from the CFPB.
I did not provide this company with my personal information, complete any application documents, attempt to acquire a mortgage from them, or consent to them opening an account on my behalf. I have not in any way had any contact with this company. I have a legitimate mortgage for a different amount through a different lender.
This company appears to have obtained my information fraudulently, and is engaging in deceptive practices to avoid speaking with me.
The contact info reported with the account is : SELENE FINANCE LP ATTN CUSTOMER SERVICE RESEARCH XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX
|
| 10/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have been in contract with XXXX XXXX to correct the problems with my account. I received a letter that said my credit scores would be adjusted and that has not happened. On my statement they are still showing erroneous late fees.. When Selene erroneously force place insurance on my account it generated additional late fees including inspection and other junk fees. I requested that they review my account and make adjustments to the late fees. There was extra money paid on my account which that they are holding. I asked that they apply the funds that they are holding to the late fees and then give me the balance to be paid. I spoke to one of their phone reps and she told me the excess funds could not be applied to my account until it reach a full mortgage payment and then it would be applied to the mortgage payment. I told her I want the excess to be applied to the late fee regardless of their policy ; after all it is my money.. I am paying 15 % interest and applying that money to a payment does not help me because of the {$760.00} payment only {$17.00} is going towards principle. The other thing I have requested is that when I request a payoff statement the the statement " Our records indicate the above reference mortgagor ( s ) is/are either in bankruptcy or has/have received a discharge in bankruptcy '' be remove as it brings up a red flag and impedes my ability to refinance the property. That is false and misleading information Selene is providing to other lenders. Their practices hurt the consumer.
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
My Home loan service company was XXXX XXXX until XX/XX/XXXX. In XXXX they transferred my file to a new servicing company name is Selene Finance.
XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX.
The Selene Finance has mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with XXXX XXXX from XX/XX/XXXX up to XX/XX/XXXX ( The agreement & the extension letter are both attached ) and the loan been paid off before end of the may, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today.
I have called both XXXX & Selene and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus.
Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application.
I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP.
Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.
|
| 03/17/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Notified of foreclosue sell to be held on XX/XX/XXXX XXXX County Borrower was about to default with only {$39000.00} balance causing them to be homeless I provided the past due payments along with attorney 's fees to reinstate loan Borrower povided Selene with my name to have authority over loan and requested assumption forms on XX/XX/XXXX.
Borrower provided Selen Finance Third Party Authorization on XX/XX/XXXX submitted online I called today XX/XX/XXXX to inquire about assumption but was told they could not speak with me.
I called again on XX/XX/XXXX at XXXX XXXX to speak to supervisor of phone calls XXXX and had to leave a message XXXX Audit determined Selene was deficient with communication and I concur in XXXX they are deficient since the phone service can't remedy problems Barriers are placed on Borrower by Selene Finance who establishes the company as providing creative loan resolution strategies to preserve ownership No electronic mortgage forms to apply for assumption No electronic forms to view the terms of the loan No mortgage calculator to determine extra payments and how to reduce interest My experience is that this company is not reducing home loss.Due to my intervention, the loan was reinstated and foreclousre ceased. But I need a remedy to continue payments at a lower interest rate so the principal can be paid faster.
Selene is not transparent and to date on web site interst paid on loan is not shared. The balance is XXXX. I believe they have profitted enough on the marginalized.
|
| 11/27/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
My loan was transferred to Selene Finance in XXXX of XXXX. I filed bankruptcy in XXXX and my loan has been transferred to several servicers in the last XXXX years. I had a modification in XXXX that I acquired legal fees that show on my payoff balance with the understanding that the fees would be paid on refinancing or if I ever provided them written consent to appy payments to that balance. In XXXX, XXXX had a different website/payment system and I was unable to view payment history or see where payments were applied. In XX/XX/XXXX they updated their site and I am now able to view payment history and see where payments were applied and found numerous discrepancies. XXXX sent me a payment history from their system as well and does not match the site. I have also found on numerous occasions they have applied part of my mortgage payment to previous legal fees that I did not authorize. I am now trying to refinance and these issues are causing me delays in declines with prospective mortgage companies. I have asked XXXX verbally and through writing to fix the errors and they are either non-responsive or take weeks to get back with me. I called last week with a XXXX party to verify mortgage and the customer service rep with XXXX was not cooperative and would not provide the needed information over the phone and stated they would have to have the request in writing. I have provided research to XXXX on the discrepancies and receive different feedback and info with every interaction with the company.
|
| 01/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
See attached file sent to XXXX XXXX. It is very important you read the attached document. Included in the statement is the fact that whenever an agency contacts Selene Finance they say they offered a borrowers packet but what they don't say, and what can be verified by XXXX XXXX and XXXX XXXX and XXXX XXXX, is that they never approve the loan modification and play games during the application. It seems that just saying they offer a resolution is their " XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see in the attached statement that I was blind-sided by my XXXX Standing Trustee during my previous attempt to work out a plan. I have recently had to file XXXX XXXX with the hope of converting to XXXX XXXX if/when I get employment.Since the XXXX XXXX XXXX XXXX XXXX wrong XXXX and under reported/ failed to report wages the New Jersey Unemployment says I XXXX not XXXX the minimum required wages and denied XXXX. I have been actively seeking work but have been unsuccessful. Thus, I have had XXXXXXXX XXXX income since XXXX of XXXX. If Selene Finance would have worked above board years ago I would still be secure in having a place to live while working through this rough patch. Even if I could get XXXX of the agencies I have tried to get help from to see Selene for what it is then I would be in a much better situation. XXXX XXXX 's office agreed but said they could not be involved until I filed a formal complaint with your agency. I am not asking for a hand-out, I am asking for help. Thank You. XXXX.
|
| 08/10/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I need help!! I fell behind 3 years ago after I lost my job due to my XXXX so I was without any income for a few months which is why I fell behind on my loan. Once I got approved for XXXX income, I did not make as much as I did working a wage earning job. I applied and was approved for a loan modification but with the income I made from my XXXX, I quickly fell behind again because the loan modification caused the payments to increase. After falling behind for a second time, I could not afford to catch up with the payments again. I have now been working for the past 4 months to get the Selene finance to approve a short sale and they have repeatedly rescheduled the auction date regardless of my efforts to get this settled. I have submitted ALL financial forms requested of me, a short sale application, as well as a solid offer from a buyer, the buyer 's documents, buyer 's driver license, EVERYTHING. Anything they've asked for I've sent in to them expeditiously and they are outright refusing to work with me, which I don't understand since they've sent countless packets of paperwork advising me to apply for this process. I deserve the courtesy of having them allow me to go through this process so long as I meet their requirements, which I have, but they are XXXX bent on trying to foreclose on me. I need someone to help me get through to this mortgage company so that I can move forward with a short sale. I've done everything I could to get this settled and I don't know where to turn anymore.
|
| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am trying to do a short sale with Selene Finance to resolve my mortgage debt. Unfortunately, Selene Finance has been unnecessarily dragging out the process. They first reviewed an offer of {$230000.00} which was submitted to them in XXXX. We gave them the Short Sale Program acceptance letter which they wanted on XX/XX/2021. At that point we had until XX/XX/2021 to submit all the necessary documentation for the short sale. On XX/XX/XXXX or XXXX our agent received a call from Selene Finance verbally stating that they are denying the {$230000.00} offer and that they needed a net of XXXX at minimum. The buyer on the file provided an offer with the requested net on XX/XX/2021.
At that time correspondence with Selene Finance went dark. They would not confirm that we submitted all the documents on time, they would not confirm that we made the deadline of XX/XX/XXXX, they would not confirm that the file was being reviewed.
Selene Finance then proceeded to request more documentation from the buyer on XX/XX/XXXX, XXXX.Then after being under review for multiple weeks Selene Finance requested an appraisal be done on XX/XX/2021. Mind you that when Selene Finance called on XXXX XXXX the representative stated that they were not doing internal appraisals due to the Covid-19 pandemic.
In my opinion Selene Finance is intentionally dragging out the process by continuing to request documents that could have been asked for earlier thereby unjustly enriching themselves by increasing my mortgage debt.
|
| 07/22/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
INVESTIGATION FRAUD SELENE FINANCE Since XXXX I have been requesting a Relief Financial Hardship Modification on deceased mother 's default loan, that was transferred to Selene by XXXX XXXX XXXX. Selene has created another fraudulent refinance conventional loan modification that I am not eligible for ( XXXX & XXXX ), false bankruptcy, and XXXX pages of inaccurate information on my credit report that I have not authorized nor consented to. My credit is not linked to make a loan, and I am not a co-signer or share title of property. Federal law allows me to assume default mortgage of property of deceased mother 's " XXXX '' debt. As of XXXX XXXX Selene Finance has not altered terms for a financial hardship relief to cure mother 's arrears in default. The goal has not been met to reduce payment of " XXXX '' loan to fit my financial status. As the inheritor I fall under the " Garn-ST Germain Act 'XXXX -Law provides laws to protect me to assume the Original loan. Selene is in violation of FDCPA with sending me and my lawyer a false and misleading loan re-finance modification and loan acceleration letter which contains erroneous and deceptive statements in my name to intimidate to make immediate payments on a fraudulent loan. Selene has made XXXX hard inquiries & XXXX inaccurate information on my credit report causing my credit score to decrease XXXX points. As of XXXX XXXX to present date I have not spoken to anyone at Selene Finance, as ALL communication goes directly through my lawyer.
|
| 03/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selenes abusive behavior has continued, but their methods of abusing their customers continue to metastasize. In our latest monthly mortgage statement ( XX/XX/23 ), Selene included {$950.00} in fees and charges. Here is the breakdown of charges ( see also attached document ) : XXXX XXXXXXXX XXXX : {$31.00} XXXX costs : {$310.00} Publication : {$71.00} Postage Charges : {$590.00} XXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX : {$31.00} XXXXXXXX XXXX XXXX XXXX {$20.00} There is no further explanation for the fees/charges ( what are XXXX costs? ). I see no reasoning for these charges ; many of them seem excessive or ridiculous ( {$590.00} in postage charges! ). These charges are in addition to what Selene skimmed from our reinstatement payment in XXXX ( we have not received an explanation for what charges/fees were collected beyond the reinstatement quote in spite of submitting a qualified written request ).
I would like the immediate removal of these undue charges on my account.
I am completely unsurprised and somewhat amused at the continued machinations that Selene is pursuing to collect monies from their clients.
I doubt that Selenes attempts to collect extravagant fees are legal ; but they are definitely worth criminal scrutiny. I would like to again recommend that the CFPB refer Selene to the FBI for criminal investigation. Selene has continued to abuse mortgage laws, and their license to practice as a mortgage servicer should be revoked immediately and irrevocably.
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX SELENE XXXX Complete Short Sale package was submitted to Selene XXXX Confirmed Selene received complete package under review XXXX Selene requested additional documents including pay stubs and Bk previously submitted on XXXX XXXX Submitted additional documents requested on XX/XX/XXXX and updated pay stubs and bank statements.
XXXX Confirmed with Selene additional documents received XX/XX/XXXX Documents under review with review team XX/XX/XXXX Selene requested some other additional documents and updated pay stubs and bank statements for the third time.
XX/XX/XXXX submitted additional documents plus updated pay stubs and bank statements XX/XX/XXXX Per Selene a drive by BPO was done value at XXXX XXXX, additional documents submitted on XX/XX/XXXX received and under review XXXX Per Selene Underwriting an interior appraisal would be ordered XX/XX/XXXX No interior appraisal requested waiting on XXXX approval to move forward with interior BPO. Requested for the fourth time pay stubs and bank statement XX/XX/XXXX submitted pay stubs and bank statements XX/XX/XXXX Per Selene all documents received XX/XX/XXXX re submitted additional documents requested on XX/XX/XXXX XX/XX/XXXX started corresponding directly with Selene underwriter and Loss Mitigation manager via email Since XXXX to date date after XXXX emails between underwriter and Loss Mitigation supervisor there is no response on any decision other than they want yet again for the 5th time pay stubs, bank statements and W-2s.
|
| 07/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom this concerns, I initially fell behind my mortgage loan in XX/XX/XXXX because the company that I'd been working at for 8 years at the time got sold to another company and I was laid off. I searched for work but remained unemployed for 4 months thereafter. I finally found work in XX/XX/XXXX but was once again terminated shortly after in XX/XX/XXXX. I found another job in XX/XX/XXXX and shortly after, my husband 's health began to decline, which required me to pay close care and attention to him and also caused a strain on the limited amount of income we had coming in. I remained employed through my husband 's illness but he unfortunately passed in XXXX of XXXX which left me to pay for past due medical bills and funeral expenses which left me unable to meet my financial obligations. This journey has had an extreme emotional and financial toll on me and I have been working through it all to try to resolve the debt. I have submitted a full and completed short sale application to my mortgage servicer, and even though they offered me a short sale as recently as XX/XX/XXXX, they have refused to accept my application and still want to move forward with foreclosing. I have been through so much in the past 3 years and I don't want a foreclosure on my credit to be another thing that I have to deal with. I am working my hardest to get this resolved and need the auction to be postponed or cancelled so that I have the time needed to get through this process. Please help me.
|
| 04/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Selene Finance acquired my loan in XX/XX/XXXX. At that time, they failed to pay out my property tax funds in escrow.
I did not know this until I started a refinance process in XX/XX/XXXX. Once I got a notice of a tax lien, I contacted Selene Finance to make sure they sent the property tax funds to the tax commission. This process took over two full months and slowed up my refinance.
I've been unable to connect with anyone at Selene Finance on my amortization schedule. I've made 5 payments with interest since Selene acquired the loan, but for some reason, I owe more than when they acquired it. The inaccurate additional interest on my loan has derailed my refinance.
Further, because I was in the middle of a refinance, I delayed my XXXX payment because I thought we'd be closed before my payment was late. Since Selene didn't provide accurate payoff details or an amortization schedule, I went ahead and made the XXXX payment on XX/XX/XXXX ( as confirmed my a customer service rep over the phone on XX/XX/XXXX. For some reason, that payment wasn't applied until XX/XX/XXXX and now I have a 30-days late ding on my credit report.
It's been impossible to get in touch with anyone at Selene Finance to discuss the payoff details or amortization schedule. The property tax department failed to submit my property tax funds and then was astonishingly slow in resolving the matter.
Selene Finance has singlehandedly derailed my refinance and hurt my credit score. Unacceptable.
|
| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Myself and my business partner purchased a property from XXXX XXXX back in XXXX during the foreclosure redemption period. All funds were wired on XXXX. XXXX XXXX still transferred the loan to Selene finance at the end of XXXX. Upon knowing this we reached out to Selene finance at the beginning of XXXX Selene would not talk to us until they approve the 3rd party authorization that they received on XX/XX/XXXX. We were told it would take 5-7 days to process and it of course it took longer than that to approve the request.
We had to make multiple phone calls with no clear answer on why it took longer to process. We are now on call probably 10 with no resolution. We spoke to a supervisor on XXXX who had us email her all the proof that we had to show the payoff to XXXX XXXX on XXXX. That was done. She was also confused about why XXXX XXXX transferred the loan and that she would have the funds that were in suspense applied to the loan so the loan could be closed. She said she would call us back by EOW and of course, that would now happen. We have made several calls and no one has been able to provide us with an update. We keep getting " call back in 3-4 days ''. We are currently on the phone ( XX/XX/XXXX XXXXXXXX XXXX ) waiting to be transferred to an escalation department. We have been on the phone approx 45 minutes waiting. At this point, I am also filing a complaint with the OCC because this is just ridiculous. I have a complaint opened against XXXX XXXX also, XXXX.
|
| 08/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I originally experienced a hardship due to loss of income due to covid. My original servicer " XXXX XXXX '' placed my account on a forbearance, and later transferred the loan to Selene Finance. I was caling and calling to get the correct amount owed NO RESPONSE. They filed a notice of default. I made trial payments for 3 months, they sent documents for a loan modification. on the loan modification documents they included a balloon payment for XXXX I have asked them for over 4 months how they calculated a balloon payment for XXXX? NO ONE HAS ANSWERED that question. The just keep telling me " underwriting came up with those figures, they are professionals and we are not changing it '' They then asked me to make more " trial payments '' and that they were going to send me new loan mod documents in mid XXXX for a payment due XX/XX/1922. So imagine my surprise when they put a notice on my door that said my home would be sold on XX/XX/XXXX! as early as XXXX i was still communicating with them and waiting for loan documents. Additionally, they included with the loan modification a " balloon payment rider '' that says if the loan is refinanced the " balloon payment '' would be forgiven BUT the language is so ambiguous it doesn't make any sense. They have not responded to my request and instead told me my choice is to pay the reinstatement, pay the loan off, or lose my property. How is it ok for them to make up figures and tell me go for this fraud/lie or lose my property
|
| 12/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
Selene Finance was called XXXX XX/XX/XXXX @ XXXX Spoke to XXXX Who ensured me that Property Insurance for XXXX XXXX was being supplied by Selene. I stated to XXXX that I have been paying Insurance for the property, which is in my name since XXXX. Selene has verified my active insurance on the property 3 times. And I have received letter notice from my insurance company of their verification/ wanting to be added to my insurance. XXXX stated that there was no update in the system to remove insurance fees supplied by Selene. XXXX transferred me to Insurance Dept. I spoke to XXXX who asked to speak with XXXX XXXX. I stated to XXXX that XXXX XXXX is deceased and all her information has been in system going on 3 years now. XXXX stated there was no information in her system for XXXX XXXX that she would have to transfer me back to customer service to resubmit 2 years of information of XXXX XXXX. I got transferred back, was on hold for 10 minutes, then the call drops.
I have an active HAF application pending. Selene is charging me foreclosure related fees that are affecting my eligibility for HAF funding while under HAF State Protection Law. Model Language prohibits Selene from proceeding with any foreclosure activity for 60days after receiving notice from the State when HAF Administers that I am conditionally eligible for HAF and have a pending application.
Selene stated to HAF Underwriters that the reinstatement balance is {$76000.00} ( Attorney Fees included )
|
| 07/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, we closed the sale of a condo located at in XXXX, AZ. Selene Finance is the servicer of the loan we had on the subject property. We never received a XXXX Form 1098 in order to file taxes. Since we paid off the loan, we were no longer able to log into the account to obtain the 1098 on our own.
On XX/XX/XXXX, I contacted Selene and requested a copy of the 1098 be sent to me in order to prepare for taxes. I was advised it would take 7 days via email to receive it. I never received it.
On XX/XX/XXXX, I contacted Selene again to advise I never received the 1098. I was advised it should take 3 business days to receive it by email and it will come encrypted. I never received it.
On XX/XX/XXXX, I spoke with XXXX at Selene and advised since I did not receive the 1098 by email, please send it by regular mail. He confirmed the mailing address and advised it would be mailed within 3 business days. I never received it.
On XX/XX/XXXX, I attempted to escalate the matter to a supervisor. I spoke with XXXX in customer service who advised her supervisor, XXXX, would call me by XXXX Eastern. I never received a call.
I am not sure why it is so difficult to receive a copy of a 1098. But if I do not receive it, I will not be able to file my federal income taxes. This is a big problem. Since no one at Selene, not even a supervisor, seems to be able to assist me with what should be a simple task, I have no choice other than to escalate this to the CFPB.
|
| 12/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage in Selene Finance, my account is # XXXX.
A part of my monthly payment is an amount intended to be accumulated on escrow account. This means that Selene Finance collects my money so to pay property taxes behalf on me.
On XX/XX/XXXX I discovered that my property taxes for XXXX and XXXX haven't been paid by Selene Finanace. It's not a deadline for XXXX tax, but they missed the time when it could be paid at a lowest rate.
I made a call to Selene Finance on XX/XX/XXXX and informed them about this situation. A person in call center confirmed, that the amount collected on my escrow account is sufficient to pay taxes, but, he said, " for some reason disbursement never was done ''. He said that he's going to initiate investigation which can take up to 10 business days. I waited 10 business days and called them again. They said they still working on it, I have to wait more and they will let me know upon completion of the investigation process.
I said I disagree with it and required to transfer my call to supervisor. However, he was not available to respond. They scheduled call back within next 24 hours but nobody called me.
I absolutely sure that 2 weeks is absolutely enough to solve this problem.
There are very simple facts for their consideration. They collected my money for specific purposes ( to pay my taxes ) and they did not pay my taxes. It looks like they misuse my money.
I feel they absolutely no rush to solve this problem.
|
| 05/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My complaint is about my current mortgage service Selene, Selene took over the servicing of my mortgage loan in XX/XX/2022 from XXXX. Before the transfer took place I had a mortgage modification with XXXX and I was paying as per the agreed amount but when the loan servicer changed i only got a letter from XXXX that I should send my mortgage from XX/XX/2022 to Selene with the new address and loan number given.
I made all payments accordingly every month but things took a different turn when I got a call in XXXX of XXXX from my husbands bankruptcy attorney that he got a correspondence from Selene that I defaulted on my loan I was shocked and asked him to forward me the correspondence, I then contacted Selene that I wasn't privy to the change in amount that I didn't get any correspondence from them neither a phone call and the attorney they contacted was not my attorney and I wasn't why they contacted him, they told me they didn't have my contact info but I was concerned about the answer because XXXX had my updated contact info and why wasn't same transferred to them.
They then said they will need me to file another modification which I did but the new mortgage amount was like twice the amount I agreed with XXXX and when I told them the amount was too high the agent that called me said they will begin foreclosure proceedings.
I have attached all the evidence of the payment I sent to them in the period they said I was behind in my agreement.
|
| 05/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On or about XX/XX/2022 I sent my mortgage company ( Selene Finance ) an insurance check made out to myself and my husband for endorsement.
On XX/XX/2022 Selene acquired my loan from XXXX. My claim was XX/XX/2022. I sent in all of my documents for the initial payment which is XXXX XXXX of the check amount which totaled XXXX. Selene mailed us the check with our contractor name on the check and he lives out of state. He made a trip signed it and left back to his hometown. We went to the bank to deposit it only to find out that the bank needed him to be there. His name should not be on the check and I don't need to be monitored. I am not delinquent in my mortgage payments and I have owned my home XXXX. We have to travel to his hometown just to deposit the check. This is causing us XXXX to fly and return home the same day because we have XXXX Selene has caused us nothing but XXXX. Our home is not liveable we are losing income because it's our rental. All we ask is the SELENE not put our contractor name on our check. My husband and I are the people who has been paying the insurance on our home and paying the mortgage. The contractor is who we hired and should have no interest in anything EXCEPT getting paid for his services. This is an Unfair practice for consumers who are not delinquent. Something has to be done about this practice when it comes to insurance checks. No contractor should be listed on the borrower claim check!
|
| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
During the Covid epidemic, we legally applied for a forbearance on our mortgage due to my job loss. I was traveling to Connecticut from Utah, and was no longer able to do this.
All of the promises were that there would be a solution and easy way to pay back the forbearance. All of the promises were that there would be no harassment or threat of foreclosure.
This is not what has happened. With no discussion Selene Finance has sent lawyers that have charged us {$1200.00} to help negotiate are payback. Selene Finance did not approaches wants for the service. We do have a active bankruptcy, but we have a great lawyer that always responds, and I call Selene personally myself every month to make a payment. Selene made no attempt to discuss repayment of the forbearance before seeking legal counsel and threatening foreclosure.
This is not what was promised by the Covid. Forbearance offered to US mortgage holders.
Selene Finance also continues to harass us. I call and make the payment on the first of the month and they take 2 to 3 days to process it and this month. We got a notice that we didnt make the payment on the XXXX. I have proof of payment was made, and taken from my account on the XXXX, which meant I called on the XXXX or the XXXX and theyre processing takes two days. Due to their processing, they harassed me that I was late.
Since they continue to harass us and charged me {$1200.00}, I am filing a complaint.
|
| 06/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene Finance is not abiding by any rules that were enacted to help homeowners experiencing a hardship during Covid. They state i filled out and already submitted a mortgage assistance application request which is impossible. I have not filled out anything yet for much needed mortgage assistance and am trying to do so now. Only Selene states that XXXX is the one who informed of them of such mortgage assistance application that i filled out as they transferred me over to them at the beginning of the year on XXXX Am I missing something? When did word of mouth between servicers become acceptable for something like this? I need to see these documents that XXXX states I supposedly filled out.
Please note, anything that is produced that is being used as an submitted application for assistance from me is going to be 100 % false and constitutes fraud. I have not filled out any such application yet and am trying to do so now.
Aren't there rules XXXX must follow? How can they just state and do whatever they want? When is word of mouth from another servicer good enough over the actual homeowner who would know if he or she filled out something and submitted it or not.
Please submit these documents for mortgage assistance that i supposedly filled out and submitted. If there are such docs that can be produced, those docs were not filled out by me and that constitutes fraud.
Please see attached docs for backup to what i say.
|
| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company SELENE Finance states that I am behind XXXX mortgage payments in which I am not. I was discharged from bankruptcy on XX/XX/XXXX, the mortgage payments made had to be up to date right up until discharge of bankruptcy and continuous. If not I wouldn't have been discharged from bankruptcy. The mortgage banks statements from SELENE Finance from XX/XX/XXXX through XX/XX/XXXX show an up to date mortgage bank statement balance due. In other words all was showing current with no payments missing or behind.
The mortgage bank statement for XX/XX/XXXX wasn't even sent. Though a mortgage bank statement for XX/XX/XXXX was sent where it showed that I was now behind two mortgage payments, how is this possible! I have been battling with SELENE Finance and there customer service agents, and till this date they cant tell me or show me whether in writing, e-mail, text, over the phone, certified return receipt any proof of their records where it shows that I am behind these mysterious two payments. Selene Finance continues to send us notice of foreclosure letters, even though we continue to pay our up to date mortgage payments.
My family and I are so upset, on the brink of a XXXX XXXX that it's affecting our livelihood and our children. I have been making mortgage payments for XXXX years now this is not the way to experience the American dream of of buying and owning a home. I hope the CFPB can help our situation.
|
| 03/30/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
This situation goes back more than a decade, we had used CFPD in the past and found what we believed at the time a reasonable agreement.
We had two loans with CitiMortgage a first and a second. We faced them in court on the first mortgage and they decided to drop the first and clear the title to the loan. They then added a {$200000.00} " corporate loan '' to the second mortgage. That is where CFPD stepped in and the processor at the time agreed and stated the amount due {$72000.00} was the new amount but that was not the payoff amount. That is the deceptive part of the process. After agreeing to remove the " corporate loan '' we began making payments. What was no disclosed in the agreement was the total amount owed? It turns out every time the loan processor was changed along came thousands of dollars in fees to my wife and I. It is not clear if the interest on the " corporate loan '' was ever removed.
We did hire XXXX XXXX to look into the matter and paid for his services. As he was dealing with the mortgage companies we were running out of time so he suggested we file bankruptcy to allow us to continue our process.
Nothing has changed from the mortgage point of view other than an offer to pay a 40-year mortgage and owe a balloon payment of {$100000.00}, which he suggested was a good deal because we'd likely be dead before the balloon payment was due.
The second mortgage started out at {$75000.00}.
|
| 04/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance is truly a criminal organization and should be closed down.
I made TWO payments for XXXX and TWO payments for XX/XX/2021, 1 each to the previous servicer and 1 each to Selene Finance who for months has denied receiving the payment. Until this morning as I sent them written proof from the previous servicer.
I have requested a payment history and escrow analysis. I was told : 1. request via email and you will get response in 5 business days 2. request via email and it will take 10 business days 3. it will take 30 days 4. it will take 30 business days Bottom line : I have paid off the loan of approximately {$170000.00}, except maybe {$2000.00} I need payment history, as Selene is not trustworthy XXXX Again, I can not pay this unless I have payment history. Once payment history is confirmed only then will I trust a payoff quote.
The other big issue is that Selene Finance threatens to report to the credit reports if I do not make the XX/XX/2021 payment. Except the payment they request is double what I owe on this mortgage. They tell me this will not be solved for another 30 business days.
Time is of the essence I will attach : -statement showing illegal late fee 16 days after mortgage transfer -email trail starting XX/XX/2021 -As well attached is payment history of PREVIOUS mortgage company showing funds they transferred to Selene. Whist as of today Selene was still denying it received
|
| 05/16/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXXF XXXX XXXX XXXX, claims IN COURT to be the PURCHASER of my real property on a foreclosure sale that took place on XX/XX/XXXX.
XXXX XXXX is still a BANK and they can not own real property that is not for banking business. At the FORECLOSURE SALE that took place on XX/XX/XXXX, XXXX XXXX, attorney from XXXX XXXX XXXX, XXXX, said that the lender SELENE FINANCE LP bought my property. It's ALL RECORDED ON VIDEO. I'm attaching two AFFIDAVITS OF FACT WITH PERSONAL KNOWLEDGE, TERMS OF SALE and the third accomplice is XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX is attempting to STEAL my property. They are in violation of 15 U.S. Code 1692e ( 4 ) - False or misleading representations, the representation or implication that nonpayment of any debt will result in the seizure, garnishment, or sale of any property unless such action is lawful and the debt collector or creditor intends to take such action.
THEY ARE STILL A BANK. They are not the alleged lender or the alleged servicer.
TWO AFFIDAVITS OF FACTS WITH PERSONAL KNOWLEDGE and a video recorder will proof that they were not at the foreclosure sale. No agent, representative, man, woman of the Bank, XXXX XXXX XXXX XXXX XXXX XXXX were present at the foreclosure sale. There was no deposit of {$28000.00} as per the Terms of Sale. There was no PURCHASE.
|
| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX my mortgage loan was transferred to Selene Finance as the loan servicer via notification from my previous loan servicer. To date Selene Finance did not send me a welcome letter or any mortgage statements. I was in the process of loan modification application with the previous loan servicer at the time Selene Finance took over the servicing of the loan. On XX/XX/XXXX I submitted a new loan modification application with supporting documentation to Selene Finance via email to their Loan Resolution Department and did not receive a response. I followed up on XX/XX/XXXX with a second submission of the loan modification application via email as well and no response. On XX/XX/XXXX I received from Selene Finance a notice of default with intent to foreclosure. On XX/XX/XXXX I submitted third submission of loan modification application with supporting documentation, request for mortgage statements and also requested the calculation breakdown of the amount in default. This was submitted via email, fax and certified mail return receipt requested. I have received the signed certified green card from Selene Finance but to date I have not received a response to my numerous requests. It is important that I have a mortgage statement as I am in process of applying for mortgage assistance with the State of New Jersey and they need recent mortgage statement to proceed with the application.
|
| 09/22/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Completed a successful XXXX loan mod this year. I have a payment issue. My mortgage payment ( PITI ) as per the escrow analysis done on XX/XX/2022 is {$2100.00} starting XX/XX/2022. Selene Finance ( the servicer ) claims they errored in the analysis and are now asking for {$2500.00} starting XX/XX/2022. The taxes and insurance have not increased. The variable is ( {$4700.00} yearly ). They have not been able to explain other than stating the PI of the loan was calculated incorrectly. They claim the PI to be XXXX. I also asked Selene to remove the mortgage insurance retroactively from my account being that the property market value vs the current principal loan balance is well under the 80 % mark. They have denied this request with no real basis to substantiate themselves. Finally, they filed a foreclosure action at the beginning of 2022 that was finalized with a court order in which all parties were ordered to pay their own attorneys fees and cost. Selene added their fees and cost to my loan balance. I have provided a copy of the court order to Selene and have yet to see any action on their part to remedy this. It has been months and nothing to date. A payment was made in the amount of {$2100.00} for XX/XX/2022 and they have cashed this check placing the funds in a suspense account. My mortgage loan now shows as past due in Selene 's system. Please assist to resolve these matters.
|
| 05/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
After the pandemic, coming out of the 15 months forbearance plan, our original lender ( XXXX XXXX ) offered us a new loan modification plan with low interest rate. We've completed the TPP program and was going to move forward with the new mortgage rate / plan. However, the contract they sent us at the end had an error on it and we kept asking them to fix or explain. After months of going back and forth they finally admitted the mistake but rejected the modification application due to being behind on payments, which after the initial TPP was blocked by XXXX XXXX itself, while they were investigating the matter.
At the end they suggested to re-apply and promised that the original offer would be honored. A few days later XXXX XXXX sold the mortgage to Selene, our new lender.
Selene does not want to honor the terms originally offered by XXXX XXXX and to bring our account balance current and keep the original ( favorable ) mortgage rate, they want us to pay a one large payment of {$54000.00} or foreclose our home. We've been in this home since 2008 and have a XXXX XXXX XXXX daughter, so we can not afford to loose it. We've constantly asked them to give us a payment plan as we could pay some of the money back now, but have the flexibility to re-pay the balance. They reject all our offers and all this is happening because the previous lender made a mistake and did not follow up.
|
| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My loan was sold to Selene Finance in XXXX. I did not choose them as a mortgage partner, but they were thrust upon me and have been terrible to work with ever since.
In this case, I was never made aware of an escrow change, and an increase in my monthly payment for XX/XX/XXXX. I have an automatic payment from my bank which paid the original amount due on XXXX aqnd XXXX of {$4200.00}, apparently {$50.00} less than the new payment amount ( {$4200.00} vs {$4300.00} ). I didn't know about the increase in escrow for the XXXX payment as well. Instead of applying the payments and letting me know about the escrow deficit, Selene put the entire payments into " unapplied funds '' and showed those payments as not being made at all. Missed payments were reported to the credit bureaus. When I did find out about the escrow shortfall, on XX/XX/XXXX i sent a payment of {$100.00} that same day and was also told any late fees and charges would be waived. I have since been on calls for hours, been routed to a supervisor 's voicemail only to never have calls returned, had a dozen dropped calls, and basically gotten nowhere through their customer service. I have since found out that my credit score has been negatively impacted, that the late fees were never taken off my statement, and that Selene 's reporting processes have lost me financing I am working on for investment properties I own.
|
| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
History : On XX/XX/XXXX I entered into a loan agreement with XXXX XXXX XXXXXXXX for the amount of XXXX. XX/XX/XXXX I was approve for a permanent modification with XXXX XXXXXXXX XXXX, XXXX. My payments was reduced to XXXX. About 6 months later after my Modification XXXX. transferred my loan. My Loan has been transferred with 3 other banks from XXXX, and there has been misapplied payments on my account over the life of the loan.
XXXX XXXX SELENE purchased my loan and immediately started the foreclosure proceedings alleging that I owe XXXX. I disputed that dollar amount and requested in writing to provide me with admissible legal proof of the debt. Selene has failed to provide me with admissible legal proof of debt, but yet wants to force me into accepting a higher payoff than I actually owe and failed to investigate my complaints. Which is a violation of the FAIR DEBT COLLECTION VIOLATION ACT.
SELENE~ has also failed to acknowledge and accept my previous loan modification that was implemented by XXXX which is troubling because it violates their own servicing guidelines set forth under the government 's making home affordable program, therefore breached the contract.
I was instructed to submit another loan modification package. Selene accepted the package after telling me I would be considered again for a modification, but yet still decided to foreclose on my home.
|
| 09/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
|
|
Our home was foreclosed on in XXXX. I truly believe there was fraud involved and now Im losing my home. I need someone to look at the accounting and help me out. XXXX XXXX XXXXXXXX told us to not make payments to get our loan to where we could modify. This was the beginning of a long drawn out battle. After that, they would not let us make payments which continues to incur late fees, interest, etc. We were part of countywide, XXXX XXXX XXXX and then sold to Selene finance in the middle of modification. Selene finance made us start a whole new modification and did not honor the XXXX XXXX XXXXXXXX mod. Selene finance did not allow our modification even with significant income and the 40 year fixed by biden. XXXX XXXX XXXXXXXX bought the home at auction. We had no idea it had been sold until a realtor showed up at our door. We were still trying to modify. The accounting does not add up. My husband is in stage XXXX XXXX and stage XXXX XXXX XXXXXXXX. I have XXXX children. Im at a loss. Please let me know services you provide. I have all documents for forensic auditor. This has been my home for 22 years. I raised my kids here and throught I would have grandkids here. It doesnt seem right m. Soenthing was mishandled and I believe that with all my heart. They would not let me pay after begging them to at least start paying on mortgage. Please please help.
Thank you,
|
| 11/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Received letter from XXXX XXXX XX/XX/XXXX, letter explained on XXXX, servicing from XXXX XXXX XXXX be transferred to Selene Finance LP . Received letter from Selene Finance on XX/XX/XXXX, explaining transfer of my loan from XXXX XXXX on XX/XX/XXXX. I have been on a forbearance plan due to Covid for XXXX, XXXX, XX/XX/XXXX, I requested 3 more months, XXXX, XXXX, XX/XX/XXXX, it was approved. XX/XX/XXXX, I called XXXX XXXX and advised the day was last day with them to call Selene. Attempts Selene for one week every day, I want to start paying my mortgage starting XX/XX/XXXX, calls dropped. I called XXXX XXXX requesting assistance with Selene and they called transferred my call to Selene. XX/XX/XXXX spoke with XXXX, I advised her I need to make arrangements to pay my loan starting XX/XX/XXXX, she replied I do not have your Mortgage Loan file yet in the system so I cant help you, you need to call back in a few days.
From XX/XX/XXXX XXXX XXXX to XX/XX/XXXX, Selene has no documents of my loan, bad servicing. Selene mortgage loan number is XXXX, Ms. XXXX advised that was my new loan no. Bottom line neither XXXX XXXX or Selene Finance cant help me to reinstate my loan from forbearance to a new mortgage payment, I am requesting to apply money from forbearance be applied to the end of my mortgage year. I want to start payments on XX/XX/XXXX. Thank you XXXX XXXX XXXX
|
| 09/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To Whom it May Concern : This letter is regarding credit report entries which are not being reported as required by Federal and State laws on our personal credit report accounts under SELENE FINANCE for account # XXXX on XXXX, XXXX, and XXXX credit bureaus.
On or around XX/XX/, the credit report scores belonging to my husband and I, dropped XXXX points because Selene Finance report our XX/XX/ payment as late and XX/XX/XXXX as UNKNOWN. We made a payment to Selene Finance on XX/XX/XXXX for the month of XX/XX/XXXX and they reported the account as late.
Contractually, we made the payment for XX/XX/2023 during the month that it was due. Selene Finance has to uphold their part of the contract by applying the payment within the month we made it. Legally, we are within our contractual rights.
As a direct result of Selene Finance reporting the account as late for XX/XX/, we have been financially harmed. We have been unable to refinance our home loan with another bank because the payments are not reflected accurately on our credit reports.
We would appreciate any help that your office can provide in getting these issues resolved.
Thank you for your cooperation in this matter. Please advise.
Sincerely, XXXX & XXXX XXXX /s/ Our contact information is as follows : XXXX XXXX and XXXX XXXX XXXX : XXXX SSN : XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX
|
| 06/10/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have a mortgage that is serviced by Selene Financing. My mortgage is currently under a chapter XXXX bankruptcy. My attorney has given Selene Financing an official notice that I can communicate with them directly. For some time now, and even before the bankruptcy, I have attempted to contact the individual over our mortgage account at Selene Financing. Each time I ask a customer service rep to connect me directly, Im told that the account manager does not have a direct line. When I ask for an email address, Im told that they cant be contacted by email.
I have also put in for a modification. When I refuted a couple of items in the modification plan, I was asked to write a letter of dispute and send it in with the modification agreement they sent. I did that. I followed up and they told me that they received my letter as well as the modification document attached. I followed up weeks later to find out the status and now Im told that I never sent in the modification document with the letter of dispute. Thats been since XXXX of 2021. I still have not heard back from the underwriters or the account manager. There is something terribly wrong here and I need to get to the bottom of it.
Please direct me to anyone or any department that oversees the mortgage lenders or servicers. Your assistance would be greatly appreciated.
XXXX XXXX ( XXXX ) XXXX
|
| 09/03/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American |
|
My name is XXXX XXXX, at first I was {$6000.00} behind in mortgage payments because it was supposed to be automatically debited from my account Selene finance LP but it was not. When I finally noticed I was behind on payments I made a call to the company and a representative from Selene told me I could make a payment of {$3000.00} and I was told by a representative I was able to send the {$3000.00} and the supervisor at Selene finance LP told me I could not send it and they needed the whole payment of {$6000.00} and this is the same supervisor who told me to do a loan modification but it was denied twice. They are now planning to foreclose on my home and I am now behind {$12000.00} in mortgage payments. Which all started because my next door neighbor XXXX XXXX XXXX ) who is a realtor broker refused to give me her insurance company information because her water heater bust which caused mold to my townhome. She would not take any responsibility for any of the damages. I had to sleep in my car an entire year while I was repairing my home myself. The money the I couldve been making payments towards my home on went to repairs on my home and my mortgage company did not help me with any of this process denying my loan modification twice i feel Selene finance Lp is discriminating towards me because I am a XXXX XXXX XXXX XXXX citizen.
|
| 08/08/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage was transferred to Selene Finance LP. Selene acknowledges on-boarding the loan on XX/XX/2023. Escrow was established at closing on XX/XX/2023 and the amount was transferred in full to Selene Finance LP ; in addition escrow has continued to be collected on a monthly basis for a total of {$4900.00} as of XX/XX/2023.
The problem originated when I received a tax bill in early XX/XX/2023. I called Selene Finance LP and was told " my loan was still being processed '' and if the tax bill is not paid in 10 business days to call back. The tax bill was not paid in the month of XXXX resulting in a penalty. I was told after contacting Selene Finance LP at the beginning XXXX ; " we are waiting on a legal description of the property from the tax department '', " call back in a few business days '' I have made several attempts in XXXX to resolve this matter and have been told to " call back in 4 business days '', " send an email requesting to close escrow '', etc. I have exhausted every effort to resolve both payment to the tax department from my escrow and to attempt to be reimbursed from Selene Finance LP I have requested that Selene Finance LP disburse {$3000.00} from my escrow account to reimburse me for my payment to the tax department and {$300.00} for the late penalty of non-payment from funds other than my escrow account
|
| 05/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
My previous complaint was # XXXX. I finally got the forms needed. This complaint addresses an inquiry that was not addressed with my last complaint. The total amount owed to Selene Financial is ~ {$50000.00} higher than it should be. I consulted with a financial agent with XXXX, and he highly recommended that I order a payment history of the entire loan since purchased in XXXX. This hasn't been done, even though requested from Selene Financial, because the loan was sold numerous times. Why ...? The sale price was {$160000.00}, I paid a cash deposit of {$45.00}, had good credit, charged 8.69 % ( why...? ) and pulled out {$50000.00} at closing. The XXXX rep still said the numbers don't make sense, and for me to have this investigated. Current XX/XX/23 mortgage statement shows outstanding balance of {$170000.00} and deferred balance of {$76000.00} plus fees, etc. Can you please help to resolve this matter. This appears to be a predatory loan/discriminatory financial situation. I will send my statement upon your request. I am being harassed by the mortgage company, threatening to foreclose, even though I have been approved for {$60000.00} by the MD. Homeowners Assistance Fund towards paying the rears. I recently send in an application for a modification for ~ {$25000.00} from Selene Financial, waiting for a response. Thank you.
|
| 12/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My previous Mortgage Servicer, XXXX XXXX, placed me onto a repayment plan that started XXXX. My new Mortgage Servicer, Selene Financing, began officially as my new servicer XXXX. My first repayment was sent to them via USPS certified mail and Selene Financing has since stated that XXXX ) My home is in foreclosure XXXX ) They will not honor the payment plan in place with the previous mortgage servicer as they do not make arrangements of repayment for that many months of past due payments & that I will have to re-apply with them. Then I received a modification application from Selene Financing a few days ago, well over a week after the date it was due to be faxed back to them. This is after I had explained to them that I was not seeking a modification but that I wanted to stick to the repayment plan already agreed to with XXXX XXXX.
I still have the XXXX payment ready to over-nite to them as they are the same as XXXX XXXX, in that you have until the last day of the month for them to receive it in the month that it is due. But I do not want to send it if they will not confirm and acknowledge my repayment plan made with XXXX XXXX that was already set prior to them taking over my mortgage payments servicing. Otherwise, they will just keep it and state that it is money owed but meanwhile continue on with the foreclosure process.
|
| 06/08/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
This company is absolutely HORRIBLE. I'm not sure how or why they are able to continue to lie and falsely report bogus information to the credit bureaus as well as charge unexplained fees EVERY MONTH, lock me out of my account portal to possibly justify and put a date on my payments that they want, and doctor the date of my payment history as a result and take my money every month and lie about a bankruptcy the NEVER included any information regarding my current residence ( the address in question ), remove my information from the credit bureaus, All of these thing occur as retaliation for complaining and not getting timely or honest responses to my numerous complaints and never taking into consideration all of the evidence I provide to prove what I'm complaining about. After my last inquiry my mortgage has gone up a usury {$120.00}, when my insurance or my property taxes have not gone up. PLEASE HELP. I'm at my wits end and if you can not help please let me know who can. I'd also like to state for the record if I am in bankruptcy how and why was I able to get approved to do huge costly home improvements done to my home? How or why would I do this as well as pay the mortgage on time every month or care? When they were reporting I managed to get screenshots that are totally contradictory to what they are saying now.
|
| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Me and my wife bought a house and get a XXXX loan.
On XXXX first, we paid the first monthly payment, {$4100.00}.
We sold our previous house and we want to Payoff our new property.
I contact Selene Finance to get my payoff information.
They took a long time to send me this information and we decided to start the payment process doing additional payments towards the principal.
Between XX/XX/XXXX to XX/XX/XXXX, we paid XXXX almost daily, 15 times, to be exact, plus an additional payment of XXXX. Total XXXX.
When we finally get the payoff information, it comes with {$78000.00}, a little weird because our balance was {$77000.00}, but it's ok we paid in full on XX/XX/XXXX by wire transfer.
I've been calling them since XX/XX/XXXX trying to figure out why my balance is still {$77000.00}? I paid and sent the proof of payment by email 4 times, on 4 different days. On XX/XX/XXXX we open a " ticket '' on the phone with Selene to try to find where is my money, they give today, XX/XX/XXXX as a deadline to get a response.
Today is XX/XX/XXXX, and my payment is still " not found '', Selene Finance didn't give me any answer. Every time that I call they ask me when I'll pay.
They simply don't give me an answer about my money, it's a lot of money and they simply don't care and I don't know what I can do to solve this issue.
|
| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Currently because of covid I am on a forbearance plan which expires at the end of XX/XX/XXXX. My mortgage was sold by XXXX XXXX to Selene Financial. At the beginning of XXXX I received a letter from Selene stating that my mortgage was in default because I was six months in arrears. I immediately called them and the woman I spoke to told me that the terms I had in XXXX XXXX would be honoured. A couple of weeks later I got another letter from Selene telling me that unless I paid them {$14000.00} my home would be foreclosed on. Again, I immediately called them and told them I had spoken to someone before and the situation was resolved. He told me there was no record of the call. I do have a record of the call. The man told me that I needed to fill out a form which he would send me and the {$14000.00} would be added to the end of the mortgage term. Instead I received a letter from Selene which told me they were pursuing foreclosure. Then today I got certified letters from them stating that unless I pay the {$14000.00} by XX/XX/XXXX which represent the amount I'm in default for, my home would be foreclosed on. I can not understand how when Congress passes a law allowing homeowners who are affected by covid to have their mortgages go into forbearance, that companies can ignore it and try to foreclose on properties.
|
| 11/10/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance XXXX XXXX XXXX XXXX, PA XXXX has taken money from my checking account two times in one month, in XXXX, XXXX two payments of {$1100.00} were taken from my checking account ( total of {$2300.00} ). Right after those payments were taken I was sent a printed mortgage statement for {$2300.00} due the very next month XX/XX/2022 ( that number doesn't make sense because there is not even a late fee included in this number, which also indicates that I am on time and current ). At the same time, online my log-in account with Selene Finance shows that no payment to come out until XXXX which would allow me an extra month to catch up due to me having two recorded payments, instead of this inaccurate promise {$1100.00} was taken very recently XX/XX/2022, from Selene Finance L Selene Fin XXXX XXXX My escrow account shows ( {$3400.00} ) needs to be audited/evaluated and the difference sent back to me immediately. There is no reason to have that much in the account for escrow.
I am currently seeking {$2300.00} from Selene Finance because they have taken extra payments, not in agreement with my loan documents and verbiage. This is along the lines of predatory lending and my bank account is always at risk of overdraft or bouncing with these types of mismanagement. Any mistakes will start a foreclosure process.
|
| 02/17/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX received a collection letter dated XX/XX/XXXX identifying XXXX as a debt collector for a mortgage XXXX said was owed in the sum of {$150000.00} by XXXX XXXX XXXX. On XX/XX/XXXX a response to that letter was sent by fax and priority mail to XXXX.
On XX/XX/XXXX a letter was sent by XXXX XXXX XXXX to XXXX disputing that XXXX XXXX XXXX owed XXXX any mortgage under the FDCPA Act. That letter was sent by priority mail and received by XXXX.
On XX/XX/XXXX a Request for information letter was sent to XXXX by priority mail, which was received by XXXX.
On XX/XX/XXXX a letter was sent to XXXX advising them that there reference to the actual loan holder in that letter was in conflict with the language in its letter stating that a loan was owed by XXXX XXXX XXXX. That letter was sent by mail and fax.
On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter to XXXX XXXX XXXX dated XX/XX/XXXX about his loan, but referenced the actual loan holder, address of the loan mortgagor, and loan number. That XXXX XXXX XXXX did not owe the loan as per reference.
On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter dated XX/XX/XXXX about his loan, but reference the actual loan holder, the address of the property, and loan number. That letter questioned any due diligence by any agent of XXXX.
|
| 05/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Ihave been tocourt and also Federal Court regarding my home beginning with XXXX XXXX and XXXX XXXX XXXX Mortgage forclosed on me in XXXX, a fake signature was on the transfer of the loan and I sued and got my home back. While trying to pay XXXX after the recinsion, they contacted me to tell me they did not have my home. I ended up with a collection company, XXXX XXXX, XXXX, and was harrassed an demanding for all back pay.. went back to court and they settled. Got sold again to Selene Finance who I went before a Federal Judge with in XXXX AL in XXXX.. I was ordered back into the Mortgage and went into a trial pay period of 3 months. I recieved the paperwork that XXXX, and I begin to pay the Mortgage, but I did not sign the paperwork, because it was worded incorrectly. I paid all 3 months and they would not cash any of my Cashier Checks. They silently forclosed on me only with a notice in the paper, would not answer any questions and I mailed a certfied letter to XXXX Texas regarding proving that they owned my home. No answer. I was forclosed on in XX/XX/XXXX. I am still in my home, but I want to know who has my home and why did they not abide by the Federal Judge orders? XXXX Mortgage will not answer neither. I know I am securitized, but no one will comment. Please help me.
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, our Mortgage Account was transferred from XXXX XXXX XXXX to Selene Finance. Prior to the transfer we were 7 months behind, so on XX/XX/XXXX we made a payment of {$1200.00}, which covered 4 months of the 7 months we were behind. After making the payment, we were told that we could now make a minimum payment of 1 month, until we were able to bring things current. We were also told that we had a balance of {$1200.00} to bring our acount current. On XX/XX/XXXX we received a statement from Selene Finance stating that we owed XXXX, and the minimum payment we could make was 4 months. I sent emails with notations, and a copy of my bank statement confirming that we made that {$1200.00}, and they still insist that we were 7 months behind. Due to this confrontation, and them not accepting anything less than a,4 month payment. These monthly payments have escalated to the point that they are saying we need to pay XXXX by XX/XX/XXXX, or they will initiate foreclosure procedures. I've been the owner of this home for 14yrs now. My balance in full is a little over {$36000.00}, and my home will be paid for. What do I do? These people are complicated. Sometimes when you call, it goes to voicemail, and the voicemail is full, and you can't even leave a call back number, and if you can, no one calls back!!!!!!
|
| 08/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have been a XXXX XXXX XXXX customer for more than 21 years on this Mortgage. Selene Finance bought this mortgage from XXXX XXXX XXXXXXXX during XXXX XXXX. I was in forbearance during XXXX with XXXX XXXX XXXX XXXX When Selene finance took over the mortgage they bundled the forberance balance and changed my mortgage payments form {$5500.00} to {$9500.00} form XXXX XXXX. I paid the {$9500.00} until XX/XX/XXXX and I could afford this increase and ask them to lower the payment by extending the terms since only five years is left in the mortgage. They provided the modification option and I diligently send all the documents asked and required via certified mail and fax and received numerous acknowledgement from the representative ( recorded ) that the file is complete and nothing more is needed. They also thanked me for completing the application diligently and indicated I will get an anwser on Friday XX/XX/XXXX. All the documents sent to selene finance were also copied to cfpb.
I received a letter from Selene Finance today dated XXXX via mail indicating that my modification could not be approved because I did not complete the file.
I am targeted for foreclousre for retalionation of my previous complaint to cfpb and I have equity in the house for more than XXXX XXXX XXXX
Please help.
Thank you XXXX XXXX
|
| 01/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had the XXXX XXXX with XXXX pay a house payment in XX/XX/2021 but they needed a W9 from Selene finance before they could help again it took from XXXX to XXXX before they would do there job and send the W9. This out everything bin a bind for all those months. The XXXX XXXX XXXX NC through XXXX sent another check for XXXX to get house caught up but the check has never been found. This is now XXXX. I was forced to leave house because XXXX is not a program for me but my husband who has XXXX. I was abused and had no choice but to go in a XXXX XXXX I have 45 days to get a place to live and I am XXXX. So low income housing I can't get unless this house is outy name. I have a buyer that wishes to buy the house but Selene finance again will not comply with a payoff email or anything the name of the bank that the loan is at or anything to help with this. They are shady and are stalling for whatever reason. I need your help. I have no car must email everything could have went back to house if Selene would have been willing to follow through with anything they should. They are by far the worse servicer of this loan that has been on it. Ease help me with getting the bank and the buyer together on this property so I can get it out of my name and on with my life. I shouldn't be XXXX because of a shady servicer.
|
| 11/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American |
|
On XX/XX/XXXX I purchased from the United States postal service in XXXX XXXX, Ca 5 money orders 4 for {$1000.00} each and 1 for {$560.00}. These were the XXXX ( {$2200.00} ) and XXXX ( {$2200.00} ) payments. On XX/XX/XXXX Selene Finance LP received them and on XX/XX/2022 cashed all 5 money orders. A full payment was posted for XXXX but only a partial payment was posted for XXXX of {$280.00} missing the {$2000.00}. Instead of posting a full payment the partial posting was a direct result of the {$2000.00} being put in the unapplied funds never to be seen or credited for anything again. After numerous phone calls and emails resulting in no one trying to fix the error Selene Finance LP placed my account in foreclosure. After 16 refused payments there was a sale date. I had to hire an attorney to open probate then had to hire a bankruptcy attorney since I had to file for bankruptcy to postpone the sale. All this because no one at Selene Finance LP would fix their mistake. Where did the {$2000.00} go?? Selene Finance LP stole the money put it somewhere no one knows. They are criminals and should be held accountable for their crimes/actions. I applied for a loan modification twice and still waiting to see what might still be needed or what. XX/XX/XXXX XXXXXXXX the last time. See the XXXX statement
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is my second complaint against XXXX XXXX and its practices. The second complaint is that XXXX XXXX still hasn't updated our credit with the three major credit agencies XXXX, XXXX and XXXX. There records don't show any updates or record of mortgage payments made. XXXX and there Corporate Staff Attorney wrote to an investigator from the XXXX XXXX XXXX and XXXX stating that XXXX sent notification to the credit agencies and to let 15 days pass from XX/XX/2022 so the agencies can reflect the adjustments to my mortgage payments made. In other words my credit should show current and not delinquent. I was surprised to hear that my credit is still in negative standing. Once again irresponsibility on XXXX 's part this is unbelievable, unprofessional and unethical. Fighting to keep my home as they never processed the payments right, and threatening us with foreclosure and with the help of the CFPB and the XXXX XXXX XXXX XXXX XXXXXXXX it was all taken care of. I know through experience this takes time to take care of but time is of the essence, I have XXXX loans to apply for and other personal matters that my credit needs to show that I was always current. XXXX has failed to show proof after they sent me a letter stating that they did. I need this resolved!!
Thank you once again XXXX XXXX XXXX
|
| 06/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
LETTER GIVING NOTICE OXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX, IL XXXX XXXX XXXX Selene Finance LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Invoice for Asset Rendered We hope this letter finds you well. We are writing to issue a bill for the asset provided to you by XXXX XXXX XXXXXXXX XXXX. Loan # XXXX XXXX. The details of the transaction are as follows : Itemized Charges : | Description | Quantity | Unit Price | Total Cost | Collateral Note | XXXX | {$87000.00} X XXXX {$870000.00} | Subtotal : {$870000.00} Ten % Reserve Charge : | Description | Amount | | Tax ( 10 % ) | {$870000.00} | Total Amount Due : {$780.00}, XXXX Payment Terms : The payment is due within 30 days from the date of this letter. Please make the payment via cashiers check or bank transfer to the following account : Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX If you have any questions or require further assistance, please do not hesitate to contact our customer service at ( XXXX ) or E-mail ( XXXX ). We are here to help.
We appreciate your business and thank you for choosing XXXX XXXXXXXX XXXX.
Sincerely, Signed XXXX XXXX XXXX XXXX XXXX BY : ___________________________________________ XXXX, XXXX XXXX to XXXX XXXX
|
| 01/31/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
On Tuesday, XX/XX/XXXX, I called Selene Finance to once again request mortgage statements be sent to my home. In addition I questioned why our last mortgage statement dated XX/XX/2019 showed a balance due in the amount of {$5600.00}. We were told by XXXX that we did not pay XXXX, XXXX and XXXX. I explained that we in fact are current and requested a payment investigation. XXXX informed me that it would take 7 days to complete the investigation. I called back on Friday, XX/XX/XXXX and once again spoke with someone named XXXX. He informed me that the investigation was not yet completed. I stated to him that the problem with this is that if they haven't posted all of my payments that there is no way possible my mortgage interest statement is correct. He then cut me off stating that his department didn't have anything to do with that. I told him, when I call Customer Service they always defer me to his department. Further proof to indicate that it's incorrect is that my statment dated XX/XX/2019 shows an outstanding principal balance of {$240000.00}. The 1098 shows an outstanding principal balance of {$240000.00}.
I would love to file my taxes but moreover I would love to have accurate records and competent servicer servicing my account.
Please help me resolve the issue.
|
| 11/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
on friday XX/XX/XXXX i called my mortgage servicer Selene Finance regarding the documents i emailed to them. They were not able to see the documents and asked me to send again. i sent XX/XX/XXXX and XX/XX/XXXX, I have my emails where i can see what i can send. I am unable to get a hold of anyone and when i do request a callback i do not get one, I had requested a loan modification back in XX/XX/XXXX and didn't get an answer from the company till Mid XXXX. The company says they have received the documents but unable to see the last email. They have since closed my file with no notification, even though i have been in constant contact with my company. Today i have once again sent them all the documents again. The representative i spoke to on XX/XX/XXXXXX/XX/XXXX read a statement that someone had put on my file saying i did not need any further assistance and that covid had not been affecting my household anymore. I asked her where did she get that information. She advised me someone that calls customers posted it. She and I agreed that this information should of not been put in my file. She asked her supervisor and he said file could not be reoppened and i had to resubmit my application once again. They had started on Foreclosure even though we have a Moratorium in place.
|
| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XXXX XXXX, we received an assumption package from Selene Finance to start the assumption of this loan. All requested documents were sent back to Selene Finance at the email address on the letter on XX/XX/2022 ( XXXX ). After no reply, we sent an email asking for confirmation to no avail. We called on the same date and was told they did not see anything in the system but would have a supervisor reach back out to me. No Call back from anyone. I sent another email on XX/XX/2022 with the same exact message asking for someone to confirm receipt of documents. I also called on the same date, but was told it could take 60 days for someone to reply. On XX/XX/2022, I sent another email asking for someone to reply if they have received the email and called. This time, the representative said she was not sure what had happened with the documents and asked me to call back at the end of the week. I gave them more time and called today, XX/XX/2022 and was told by the XXXX representative the loan was only assumable if XXXX of the parties on the loan was deceased. I called back and was told I POSSIBLY sent the documents to the wrong email address. I was advised to resend the docs to XXXX in which I did. If this loan was close to be foreclosed on, we would be headed there swiftly.
|
| 02/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Ive tried contacting Selene on numerous occasions to no avail. Youre simply just carted from one ill -advised customer service representative to the next.
1. On XX/XX/XXXX and going forward I've been charged a {$15.00} late fee. I paid initially, but noticed it kept resurfacing on my mortgage bill. I've called Selene to ask why Im incurring a {$15.00} fee each month on my mortgage, and I was told by XXXX, one of the representatives that he believed it was an inspection fee. '' Inspection fee for what, when, why and where was the inspection done are my questions? He didnt know and would look into it and get back to me by correspondence. That was 4 months ago. Ive made sure to send all payments via wire transfer or XXXX XXXX w/signature to ensure payment since Selene conveniently misplaces payments by mail.
2. I contacted Selene by email on XX/XX/XXXX to obtain the months that I've been late on my mortgage, as it was reported to a refinance company that I've been late 8 times. I'd like to know the EXACT DATES AND MONTHS those payments were late. I received correspondence from Selene saying it would take 30 days, it's been over 6 weeks.
3. Also, my escrow amount increased and therefore my payment. Id like the paperwork confirming the additional escrow amount.
|
| 08/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was on a repayment plan payments they were set up for the XXXX of each month XXXX payment was to be a XXXX XXXX and XXXX thru XXXX draft payment well I noticed that in XXXX nothing was taken out and then XXXX more days nothing I called to see what happened something about my personal bank not going threw keep in mine my bank account has been the same for more then 10 years well they checked and corrected the account and then in XXXX the same thing happened I had to call about my XXXX payment not being drafted the bank but my bank cleared both my XXXX and XXXX payments I had my XXXX payment ready to be drafted on the XXXX again no draft from my bank I called and they informed me my repayment plan was canceled due to some reversal payments back in XXXX now they are stating my repayment plan is canceled due to missing payments how is that possible if my XXXX XXXX XXXX my bank account has not changed in the past 10 years or more it strange how my XXXX XXXX XXXX payment was apply to the right account and in XXXX and XXXX was processed and cleared my question is who changed my bank account am the only authorized person on the account Please I need help on what are my options I been paying my mortgage for XXXX years please help on my options to keep my home
|
| 02/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selena Finance fail to provide the monthly statement in few months after they took over the service from the previous mortgage.
It is crystal clear now, that there is an error in Selene Finance system and they still can not provide the statements for the those few months.
During the first 60 days after Selene Finance took over my mortgage, I have been calling Selene finance and telling them I want to pay but I haven't received the statement and the coupon. Their kept telling me that Due to COVID, there will be a 60 days delay and just want me to wait, wait and wait. The last call was on XX/XX/XXXX, with call reference XXXX. They still told me to wait and no instruction for how to pay the payment without the coupon This got resolved until XX/XX/XXXX with was more then 60 days since Selene Finance took over the service. The reason it got resolved because I filed the complaint with CFPB on XX/XX/XXXX.
As fact, Selene Finance laid to me and using the excuse of " COVID impact '' instead of telling me it is program issue and not instruct my correctly with the payment. As a result, Selene Finance charged me late fees for {$63.00}.
I should not be punished by the late fees since Selene Finance laid and did not provide the right service for my mortgage.
|
| 08/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX dealing with Selene Finance. For the last 3 months I have tried to resolve falling behind with house payments by calling regularly, I kept a record of phone calls, who I spoke with and what was discussed. I asked for XXXX XXXX to be sent to me and after a month of waiting for it and being lied to that it would be arriving within days I downloaded it myself and started faxing information they requested. Whenever I called to check status I was told I needed just one more document, went through that merry go round for another month. I was told my packet for modification was complete and would have an answer on the XXXX of XXXX, still no response. Called today and XXXX XXXX at Selene is unavailable. Its my understanding that once a modification packet is complete the sale date should be put on hold. I have never received any documentation from Selene regarding sale date. Im doing everything humanly possible to work with them and I cant get any clear response. I got behind on payments due to Covid a major XXXX and a major XXXX, all documented and sent to them. I am doing well and have been employed since XXXX of 2022. This issue is destroying my life and I need help. Please, I know what theyre doing is wrong, I just want to get back to my normal life
|
| 08/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
Selene Finance claims I did not have insurance for my property located at XXXX XXXX XXXX XXXX, CA.
House is covered with full lender requirements with no lapse of insurance at any point in time.
proof of insurance was sent along with the declaration page to selene finance via their requested medium. I sent Selene my insurance agent 's phone number, and over the course of the next 4 months I have sent them this documentation at minimum 5 times via email and uploaded directly to the XXXX website. I Had my insurance agent reach out to them directly, and provided Selene Finance with insurance contact info.
They have continued taking money from me for a forced placement policy in the amount of at least XXXX dollars over the next 4 months. They have refused to refund me despite no lapse in coverage or errors on my part.
Selene was notified of the new policy right away. Selene was sent insurance agent 's number. Selene was emailed copies of the insurance info selene needed, and I personally called selene to let them know the day of the binding of the new policy.
Date of last contact with Selene XXXX XXXX XXXX Communication means E-mail Phone ( multiple disconnects and refusal to to call me back ) Person communicated with : Unknown Agent of company
|
| 08/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Like so many other Americans I was adversely effected by the COVID pandemic. I was making the payments I could and my loan is now due for XX/XX/XXXX when I could no longer keep up the payments. In XXXX of XXXX I sent in documents for a loan modification. My denial letter stated that while I was denied the modification I did qualify for a short sale, deed in lieu or deferral. I accepted the deferral and signed and returned the agreement. On XX/XX/XXXX I spoke to XXXX XXXX who said she was a supervisor and was told I did not qualify for the deferment and to send in a modification package to get reviewed for a deferral. I was told to submit an email request to XXXX. A response was sent via an encrypted email that could not be opened and all requests for a copy to be mailed or emailed were ignored. We then sent another request XX/XX/XXXX which was also ignored. A follow up email requesting status of the first email was sent on XX/XX/XXXX and also never answered. I was served foreclosure papers on XX/XX/XXXX without the deferral or research request being completed. I have attached the agreement sent to me and my signed and returned copy. My father is in XXXX and this pandemic has been awful. I would like my mortgage deferred as I agreed to. Thank you.
|
| 05/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I purchased a home ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) at the XXXX XXXX foreclosure auction on XX/XX/XXXX. After over a year of being the owner on title and never being contacted by XXXX XXXX XXXX or Selene Finance I went to sell the property ( XX/XX/XXXX ). I was told there was a first mortgage with XXXX XXXX XXXX that would need to be satisfied. XXXX XXXX XXXX told me they sold the loan to Selene finance. I have been calling and emailing Selene finance for months trying to get payoff info but Selene has told me that they have no foreclosure department for me to talk to and no available managers to help. They take my name and number and tell me I will hear from a supervisor within 48 hours. I have been calling three times a week for two months and have not heard back. Meanwhile they posted two separate notices on my property stating they while be re keying and boarding up the property. My buyers title company has tried many times to contact Selene with no luck. I hired an attorney and he is trying to get the mortgage payoff, but has been met with the same silence from Selene finance.Also they allowed the former owner to collect surplus funds from the foreclosure auction that should have been used to pay down this first mortgage.
|
| 03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Good Afternoon, Submitted Ongoing dispute : XXXX DISPUTE # XXXX and Seline Finance in XX/XX/XXXX-XX/XX/XXXX.
This fax is a dispute Seline Finance as they have misapplied and in error marked my payments as late on my credit report for : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Base on Supporting documents : Please see the attached XXXX XXXX Payment activity, Electronic Check numbers, Bill Payment transactiohistories and Electronic online payments noted with an asterisks and arrow with Seline payment as proof of all payments from XXXX XXXX Banker XXXX XXXX.
Seline Finance : After review, please reconcile the late payments you have marked on my credit as disputed above. Note : XXXX XXXX XXXX XXXX is now servicing my loan as of XX/XX/XXXX.
On XX/XX/XXXX I recieved notification from XXXX and Seline that they did not acknowledge correction on my credit. Even my bank XXXX was shocked and said they probably did not even look at the supporting documents including account payment activity transactin history and electronic check numbers. XXXX XXXX suggested a file complaint through the you, the Consumer Financial Protection Bureau.
Thanks, XXXX XXXX Property Address XXXX XXXX XXXX XXXX Ohio.
Email XXXX XXXX
|
| 03/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My mortgage was sold to a new mortgage company Selene Finance. On or about XX/XX/XXXX the Selene Finance sent us a loan modification. On the modification they provided the total amount of the loan and claimed owed twenty three payments that we were behind in the mortgage and we owed escrow. The unpaid principle on our mortgage is {$200000.00}. Selene claims that there are payments in the rears and escrow for a Total Cap amount of {$62000.00} which was added to the mortgage.
My wife and I have been making payments for and do not believe we were ever in the rears on the mortgage for this amount. I put several requests into Selene Finance customer service department and the Loan Modification department for back-up on the Total Cap Amount of {$62000.00}. These requests started on the phone in late XXXX and were sent in writing in XXXX a couple times. Minimal information was provided to us.
I sent a formal request for documentation was sent to Selene in early XXXX via certified mail. It has been well beyond the thirty days allowable to provide the information with no response. We are asking the Consumer Financial Protection Bureau to step in and help. Selene Finance also provided figures on the monthly mortgage payment that are incorrect.
|
| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a mortgage with Selene Finance that was acquired from XXXX XXXX XXXX. The loan was in forbearance during covid. When the loan came out of forbearance, Selene forced me to pay all outstanding payment by threatening foreclosure. I paid the reinstatement quote in XXXX of 2022 and they informed me that I was paid up to date. When the loan restarted the payment amount had doubled. When I questioned the amount they refused to give me a breakdown and reason. The payment amount changed every 3 three months. I refused to pay without a itemized breakdown so they threatened foreclosure again. I asked by email for 4 months for an audit itemized deduction of my account and they have refused to this point. I questioned the first reinstatement when I saw that the escrow amount was {$15000.00} for a period of 2 and a half years when the yearly taxes are only {$3100.00} a year. Selene calls me weekly harassing me about my payment when it is late. I can not get any help from this company at all. Every representative there is a liar and I have been promised reimbursement checks several times for charges that I have found and proved to be incorrect. They took upon themselves to apply mischarged funds to the principal when I proved them wrong.
|
| 06/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance bought our mortgage in the fall of XXXX. In XXXX of XXXX we got a letter saying there was an escrow shortage {$11000.00} ( even though we had achieved a loan modification in XX/XX/XXXX which should have solved any shortage ). Consequently, Selene raised our monthly escrow payment from about {$1000.00} to {$2300.00} -- effectively raising our monthly mortgage payment by over 30 %.
There is a long history of problems with our loan that was originated in XXXX ( under circumstances that were probably fraudulent ).
It seems that Selene is trying to capitalize on the distressed history of this loan to seize our house.
We have been working with legal counsel to address these issues, but I thought it would be useful to report what is probably some level of mortgage fraud to the government authorities for investigation. After reading about some recent experiences that other customers have had with Selene, it seems quite clear that this company is acting in bad faith to manipulate their mortgage holders and foreclose upon their properties so that Selene can turn a quick profit in a hot financial market... or to force consumers to seek out monies from the Mortgage Assistance Fund set up by the Treasury Department.
|
| 06/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Due to loss of income I was on a forbearance plan for around 6 months with my mordgage company witch was community loan servicing, I then was offered a XXXX XXXX covid flex modification witch I excepted and made 3 trial payments The payments were for XXXX, XXXX and XX/XX/2022 I received a letter from community loan servicing, thanking me for making my final trial period payment, and that they are working on sending my final documents to complete the permanent modification Around XX/XX/2022 my loan is sold to selene financing. I call selene and to this day they do not see any modification in there system They are not allowing me to make any payments as well as there showing 10 months past do I keep on getting the run around from. Selene. I requested a call back to speak to a supervisor 1 week ago and still have not heard back from selene I'm not sure how a loan can be sold in middle of a modification and how a XXXX XXXX loan can be sold to a non XXXX XXXX company, I'm actually not sure if that is legal, I was always told that when my loan is sold its a change of services but its the same XXXX XXXXXXXX loan Please look into this asap as I made my trial payments and the modification needs to be honored Thank you.
XXXX XXXX
|
| 10/29/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am a veteran and the only one working is my wife and my mother in law which her name also appears on mortgage and on title. As all of us have been affected by COVID19 in addition i have XXXX XXXX from the time i was in the XXXX and i have a letter from the XXXX XXXX doctor which confirms this. We have attempted to work with Selene Finance for over two years and they refuse to help and now this year is when they knowing that we were affected with the pandemic financially they went ahead as place our house for sale. This company Selene Finance ) refuses to call or help in any way instead they have set up a sale date now during this difficult time. we have submitted a complete file with the little income that my wife is making and the social security income which is what my mother in law receives. Selene continues to delay the process with our attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX has emailed the attorneys XXXX XXXX legal many times and each time they are back and forth without a care that we may lose our home. We need this reviewed by CFPB please we need help. Also my loan belonged to XXXX XXXX however for the sale date the attorney made a change to remove my loan from FHA XXXX XXXX to avoid helping us for COVID19
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was marked 30 days late in error on my credit report. I received a letter from XXXX that my Selene Financial loan was transferred to XXXX Bank. Since the loan was transferred, I made a payment to my new servicer as indicated on the letter-Shellpoint. Please note the attached check, dated XXXX XXXX2022.
On XX/XX/XXXX, I was notified by a credit monitoring service that XXXX reported me as 30 days late on my credit. On XX/XX/XXXX, my check was returned ( please see attached ). MY CHECK WAS RETURNED 30 DAYS AFTER THE PAYMENT WAS DUE.
As per Shellpoint, the check was returned because they didn't fully receive the loan transfer from XXXX XXXX. I am asking that this 30 late reporting be corrected as it resulted from a loan transfer delay. It was not clear as to who to make the payment to and I made the monthly payment to XXXX t prior to the loan being fully transferred.
This error occurred due to the fact that my loan was transferred from one bank to another and I certainly shouldn't be held liable for this mishap. Had this loan remained with XXXX, this issue wouldnt occur. Since the loan transfer was initiated by the bank ( without my knowledge or authorization ) I am asking for the 30 day late correction on my credit.
|
| 12/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
We fell past due on our loan since XX/XX/XXXX due to health issues and loss of wages. I informed Selene Finance of my struggles and continued to apply for mortgage assistance ( Loan Modification ) Each time I would apply my Loan Modification request would get denied for various reasons causing me to fall more behind and required to submit all documents again.
Most recent I applied for assistance on XX/XX/XXXX and received a letter from Selene stating I was under review for assistance and they would have an answer by XX/XX/XXXX Since being under review since XX/XX/XXXX Selene finance had a set Foreclosure date on my home scheduled to be auctioned off for XX/XX/XXXX @ XXXX. After many times advising Selene Finance to remove the foreclosure date due to being reviewed for assistance they refused.
Selene Finance- is direct violation of Dual Tracking as they refused to stop the sale date of my home while under review for home retentions options. And after speaking to the Trustee handling the foreclosure they advised me the sale date was going to happen as they had no instructions to postpone. As of today I have not received a denial letter or 30 day window to appeal the denial as allowed. They foreclosed on my Home!!
|
| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am the representative assigned for the XXXX XXXX XXXX XXXX. She purchased a condo on XX/XX/XXXX. She died XX/XX/XXXX without funds in the estate.
Her mortgage was originally with XXXX XXXX. It was foreclosed on and sold at a XXXXXXXX XXXX sale XX/XX/XXXX to XXXX XXXX XXXX.
Some months after the foreclosure and sheriff sale, I started receiving calls and emails from Selene Finance concerning the property that had already been foreclosed on by XXXX XXXX.
I informed them on several occasions that XXXX XXXX had already foreclosed and the property had been sold at the sheriff sale. I told this to more than XXXX person in more than XXXX department.
I continued to receive notice of monies charged to the account ; taxes, insurance, attorney fees, inspection fees, etc. They could not possibly have inspected as the property had been sold months prior.
I referred them to XXXX XXXX and their attorneys who had done the foreclosure and to the public records where the deeds were recorded.
On XX/XX/XXXX, Selene Finance sold the property they didn't have a right to at a trustee 's sale to XXXX XXXX XXXX and XXXX XXXX XXXX. This was done on their behalf by attorneys XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My loan was purchased from XXXX by Selene Finance in XXXX 2022. Since then my statement numbers keep changing by unusual amounts. Now that I'm selling, I called to straighten out the final payout numbers and have been given the runaround. First, I was promised a call back on XXXX at XXXX by XXXX XXXX ( sp ) to get to the bottom of things. Never happened. Spoke to someone else after who said that her supervisor was contacting Mr. XXXX to then get a hold of me. Never happened. Then on XXXX I was on a conference call with the Title company and XXXX at Selene to get the final payout etc finished. After a 45 min call which was mostly being on hold and hearing a racially upsetting comment, nothing was resolved other than XXXX saying that someone would look into it. I was then passed to her supervisor, XXXX XXXX, who proceeded to then speak down to me and then speak over me, intentionally not giving me a chance to speak. Finally after several minutes of this, my frustration, unfortunately, got the better of me and I swore and then he hung up.
I find it strange that numbers don't add up, they won't explain it, and that once I called them out on this ... my loan was sold to another company. Games and dirty business.
|
| 07/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am being sued for foreclosure by a group of companies : Selene Finance/Selene Holdings and XXXX XXXX XXXX and XXXX XXXX and possibly others that have joined the suit I have not had a hearing. My lawyer and I have - filed in court requesting for discovery - tried to negotiate, submitted offers only to receive outrageous responses, - never once been offered the option to refinance, or do a loan modification The plainriffs ' lawyers have buried the court in hundreds of papers- many false or falsified, or misrepresentative of the actual facts None of these companies have ever once sent a piece of mail, made a phone call, or tried any in way to collect the " debt '' they are pursuing in the foreclosure. As the defendant I have never received any relevant information to make a payment or attempt to negotiate new loan terms. There are no documents with account numbers, or amounts owed, or payment process and submission guidelines ever received.
There is a hearing for summary judgement this month I would like additional defense assistance against the illegitimate business practices of these companies.
Please publish my information so that others may be aware of the unscrupulous practices of these companies.
|
| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I would like to put in a complaint against Selene Finance and the lender who has my mortgage. I have tried several times to process a loan modification. They are not calculating my income correctly. I keep getting denied as they state I do not make enough money. I was placed on furlough from my current employer from XXXX due to the COVID-19 pandemic. They state that they are willing to help for whoever has been effected. However, they are not calculating the money I received off of unemployment. Why do they ask for 3 years worth of tax returns and W-2 's if they are only going to look at 1 year? Selene also states that they will not use my boyfriends income as the lender does not allow it. However if we were married they would. Even though he is not on the loan. Basically I am being punished for not being married. My boyfriend and I have been together since XXXX and we have lived at the property together since the day it was purchased in XXXX. In New Jersey this is considered common-law. We have written several letters to Selene, basically to be denied every time. This has been going on for over a year causing me to fall more and more behind as they will not take a payment from me. Thank you for your time.
|
| 07/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene Finance XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX On XX/XX/XXXX the negotiator XXXX XXXX XXXX, asked us how long our buyer would need to close. We told her we needed 30 days on the approval letter. TWO WEEKS LATER ( XX/XX/XXXX ) she sent an approval letter only good for 10 days -- -- This only gives us 9 days to close!!! We, again, very explicitly told her in an email ( See emails attached ) that we need at least 30 days on the approval letter -- -- -- ESPECIALLY DUE TO THE ISSUES AND DELAYS THAT COVID HAS PLACED ON COUNTY RECORDING TIMES. -- -She IGNORED OUR EMAIL. -- -- -- -- We have sent XXXX XXXX multiple emails throughout the transaction that she has outright IGNORED. At this point it is obvious the negotiator at Selene has tried to force a closing on this short sale in order that she may get her bonus this month. Forcing the buyer and seller to rush to close also creates liability for contracting and/or spreading COVID. This is knowingly endangering peoples lives and safety. -- -- -- -- WE HAVE ALREADY HAD TO FILE A COMPLAINT AGAINST SELENE DUE TO THEIR GROSS INCOMPETENCE. -- -- -- We want a short sale approval letter good for 30 days like we told her three weeks ago.
|
| 07/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
In XXXX I attempted to make a payment on my account which was refused by the bank. I attempted to resolve the problem with the bank but was stonewalled and not allowed to make any progress. All efforts to correct the situation were met with redirection to departments that couldn't help, resulting in more redirection. All attempts to make payment on the account were refused, putting the account into Foreclosure. XXXX XXXX I was granted the XXXX Forbearance and although it was confirmed by the bank, none of the benefits were ever applied to my account. All statements advised of pending Foreclosure during it.
In XXXX I contacted the CEO of the bank to request assistance and he sold my mortgage to a shady mortgage company that has been forcing me to pay beyond my means and is randomly adding unexplained charges to my account. After making payments for a year and a half, my balance hasn't decreased, it's increased by {$30000.00} and they are not reporting any of my payments to the Credit Bureaus.
I have sought out Attorneys, Real Estate agents, Mortgage Companies, Financial Institutions and HUD. None of them have been able to help. It's been 5 years of fighting this battle, so I am coming to you for help.
|
| 05/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Since XXXX, I was employed part-time by the federal government. I have asked Selene Finance to assist me with loan modification programs. My last modification was for XX/XX/XXXX and my remaining balance is {$300000.00}. They offered me 5 % and a 3 month trial payment of {$2200.00}. I lost my job XX/XX/XXXX and I have not found one, but I am marketable.
I spoke with them when I realized that I was unemployed and told them on XX/XX/XXXX, that I was unemployed and was actively seeking employment. I have also asked them on several occasions if I could make my original payment of {$1500.00}. Some of the representatives I spoke with told me NOT to send in the old payments as they would be sent back. I spoke with another person who told me too send in the payments and they would be credited. I did that. Now they said I no longer qualify for a modification and that I can lose my home in foreclosure or short sale. I have equity so I could sell, but I have no place to live. I received a letter from them denying me a loan modification. What am I supposed to do? I have a basement that floods and I have spent countless dollars on fixing that and now the insurance company said that the house has a foundation issue.
|
| 08/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance LP did not pay my property taxes out of my escrow account, they also did not pay my home owner insurance out of my escrow account. My property taxes are past due as of XX/XX/2023 with multiple late fees.
Property taxes : {$11000.00} due on XX/XX/2023. Now with multiple lates fees the recent bill is in the amount of {$13000.00} due by XX/XX/2023. Another late fee will commence after XX/XX/2023.
Home Owners Insurance : Amount due {$1800.00}, on XXXX XXXX was also past due and has been paid by us directly since we did not want to loose coverage on our home.
We have contacted Selene Finance on a weekly Basis since XX/XX/2023 and we get the same response each time " your problem will be fixed this week '' The Property taxes are now almost 5 months delinquent, and the 2nd round of property taxes will be due in XXXX.
We have over {$35000.00} in escrow which has NEVER been used to pay any of our property taxes or home owners insurance by Selene Financial LP. We have never missed a mortgage payment, and often make supplemental principal payments. What this company is doing is gross negligence and putting us at risk for foreclosure on our property.
They should be investigated and shut down.
|
| 11/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
My loan has been sold three times since XXXX when we closed on the loan. Selene purchased it the second time, for one month, then sold it ; but Selene is still managing the account ( much to my dismay!! ).
They have never credited my additional funds to the principle.They have never credited my payment on time... always credit it the last possible due date before it is late- even though they have my payment on or before the XXXX day of each month. I have no idea what they do with my additional principle payments I send each month. I have no idea why they wait to credit my payment. I have no idea why they never answer their phone. I have called them about 30 times in the past 3 months only to speak to a person once. He was very nice and promised me he would see that I got all the information I was requesting, and that everything had been credited as I expected it to be... All of which was a lie. I never have received anything from them except my monthly statement, which is auto generated every month and is incorrect. NONE of my additional principle funds have gone toward the principle.
Why don't I get any say in who gets my loan? Selene is the worst mortgage company I have ever TRIED to deal with.
|
| 05/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have contacted the Loan Servicer Selene Finance numerous times. The company charged me XXXX in error for my mortgage payment. For the last 6 months XX/XX/2021 to Present I have been charged more than I actually owe. I would like a refund for that amount. I had to borrow from family to pay the additional amount so I would not lose my home. I would like and audit of my account showing the following : The amount that was applied to the Principle Balance each month - The amount that was charged/applied as interest each month - The remaining balance after each payment - The amount that Selene " is crediting the account for the difference in the payment amounts for the XX/XX/2021 through XX/XX/2021 installments. '' as stated in Selene 's letter dated XXXX XX/XX/2021 to the XXXX.
I have requested this information in writing and also via phone call and I have not received the information from Selene Finance.
I have also been told by a customer service rep. that my loan is being transferred to another servicer. I would like this information before my loan is transferred how do I know if the amount transferred is correct. I have asked to speak to several managers and I have not received a call back.
|
| 07/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene Finance Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Selene Finance has received a complete package, including the buyers Drivers License to clear the OFAC requirement. They have even submitted the package to their investor for review. Yet, they are refusing to postpone the auction.
**************This is dual tracking, and it has been determined that this is a violation of Regulation X. XXXX has already been fined for this exact behavior. See highlighted section on page 2 of the attached CFPB release dated XX/XX/2020.
******The precedent has been set that refusing to postpone a foreclosure auction while being in receipt of a complete package is a violation of Regulation X. Therefore I want the foreclosure date to be postponed so that the investor may have time to review the package submitted to them by Selene.
-- -- -- -- -- -Additionally, we have not been allowed to speak to a human being at this company. We are forced to leave a voicemail, and have not gotten return calls from Selene. This is a violation of the SPOC guidelines and servicing guidelines set forth by the CFPB and the State of California.
-- -Also attached is my Third Party Authorization Letter.
|
| 08/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Request for loan assistance denial Selene Loan # XXXX XXXX XXXX RE : Property Address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Selene Finance is engaging in Mortgage Service Abuse, Unfair Business Practices, BREACH OF IMPLIED DUTY OF GOOD FAITH AND FAIR DEALING, VIOLATION OF B & P CODE 17200 ; Dealing in Bad Faith with deceptive and misleading practices.
Selene issued the attached denial for loan assistance by XXXX XXXX for her home at XXXX XXXX XXXX XXXX, CA XXXX dated XX/XX/2022.
The letter states Below are the loss mitigation programs for which you have been evaluated, along with our determination of your eligibility.
There is no indication in the attached denial that the borrower was reviewed for any home retention programs available. Please provide a document that shows all types of modification programs Selene Finance offers, or that this Investor has offered.
We demand that Selene Finance and this Investor provide the NPV inputs, income and property value used, and the method used to calculate these values for all scenarios in this denial.
Furthermore, the homeowner is offering a good faith payment of {$15000.00} to lower the principal balance to achieve an acceptable PITI payment
|
| 12/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Borrowers experienced problems meeting their {$1200.00} monthly mortgage installment obligations to their lender as a result of the COVID 19 pandemic. Borrowers contacted erstwhile servicer, XXXX XXXX XXXX ( XXXX ) for assistance in XXXX of 2021. XXXX duly placed the borrowers in a forbearance program and required them to make seven ( 7 ) timely trial payments of the regular monthly payment plus catch payments. However, during the course of making the trial payments to XXXX servicing of the borrowers ' mortgage note was transferred to Selene Finance ( Selene ). After making the final trial payment on XX/XX/2021, the borrowers requested the permanent modification from XXXX and were directed to Selene. Borrowers contacted Selene repeatedly for the permanent modification to no avail and were eventually informed that Selene did not even have the borrowers ' file. Selene therefore asked the borrowers to supply them with copies of the correspondence related to the trial payment. On XX/XX/2021, the borrowers received a final modification more than doubling their previous monthly mortgage installment payment to {$2200.00} and simultaneously increasing their fixed interest from 3.00 % to 5.00 %.
|
| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My original mortgage was from XXXX XXXX XXXX. When my aunt died, I became her Executive of Estate and put the mortgage in my name in XX/XX/XXXX. A representative from the mortgage company came out to my office, and I signed the paperwork to switch the mortgage over from my aunt, XXXX XXXX name to my name. I received a letter a few months later saying that I owed {$2500.00} for negative escrow. My mortgage was sold to XXXX Mortgage and now to Selene Finance. I received a letter from XXXX in XXXX of XXXX that I owed mortgage payments from XXXX. I sent in proof from my bank that all mortgage payments from that period were paid. XXXX XXXX XXXX sold my mortgage to Selene Finance in XX/XX/XXXX. I started making payments with Selene Finance in XXXX of XXXX. All of my payments that I have paid this year have been going to Selene Finance for payments back from XXXX to XXXX XXXX XXXX for balances that were already paid. I paid Selene Finance a lump sum payment of {$5000.00} from XXXX XXXX XX/XX/XXXX. However, those payments have been misapplied, leaving me to still owe mortgage payments for the entirety of XXXX. I'm at risk of foreclosing my property due to errors in their accounting process.
|
| 06/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We, XXXX XXXX XXXX and XXXX XXXX, the home loan borrowers for their primary residence home at XXXX XXXX XXXX XXXX in XXXX, California would like to seek either a judgment or a verdict by jurys trial in California Federal or state court due to having suffered deep financial stresses and losses due to illegal actions caused for the past 5 years by our loan servicing companies, XXXX and Selene Finance. They employed illegal methods and actions to default our loan and process to foreclosure our house as well as held us in a loan dispute situation so we could not do any refinancing when the interest rates were low in XXXX, XXXX, and XXXX. Finally, after we had paid total of {$110000.00}, demanded by Selene Finance before XX/XX/XXXX, Selene Finance sent us an updated mortgage statement in XX/XX/XXXX and identified and approved all our 10 missing mortgage payments were all from either Shellpoint or Selene Finances refusing and returning our regular mortgage payments from us from XX/XX/XXXX through XX/XX/XXXX. Selene Finance used its lenders foreclosure threat to collect more than {$16000.00} extra in mortgage payments from us in XX/XX/XXXX and has refused to return the money as of present.
|
| 07/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX I refinanced two property rentals with on time paying tenants. I have the properties professionally managed by XXXX. Selene Finance was the new mortgage holder.
Selene finance has yet to submit payment to my insurance provider XXXX from the impound account. XXXX cancelled my properties insurance policy XX/XX/XXXX. Due to me being a long time customer and Selene Finance admitting their at fault for not submitting payments, XXXX reinstated my policy with no lapse in coverage as of XX/XX/XXXX.
XXXX of XXXX payment still was not submitted to XXXX from XXXX although we have proof of timely payments. XX/XX/XXXX I conducted a conference call with Selene Finance, XXXX, and the insurance XXXX along with the insurance XXXX.
We were assured from Selene Finance that payment would be submitted to XXXX and we confirmed several times of the payment process. As of today, XXXX still has not been paid and XXXX keeps trying to enforce Lender insurance although I proved I have coverage with XXXX.
XXXX will finalize cancellation of my policies XX/XX/XXXX if payment is not received.
Please help me correct this situation as I want to resolve before consulting with an Attorney.
|
| 03/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our home loan used to be with XXXX XXXX XXXXXXXX until it was sold to Selene Finance in the last couple of years. Due to XXXX, my wife lost her job and we lost our small business. We applied for a loan modification last year but the numbers they gave us were significantly higher than our current payment amount and so we appealed for a lower amount. We never received an answer in the mail ( although they claimed that they sent one ), and ultimately found out our appeal was denied, and that basically an appeal did not apply to our situation because we had been " approved '' ( basically take it or leave it ). Eventually we were told to reapply, which we did. We received a vague approval letter with no package of information. Upon speaking on the phone we learned the numbers are even more astronomical, approximately 75 % more than original payments on top of a hefty down payment. That being said, this was over two weeks ago and we still haven't received any actual paperwork. Throughout this process their communication has been lacking to say the least. Then somebody showed up to make sure we are still living here. We feel as though they are trying to push us out of the house.
|
| 08/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
Last week I called Selene Finance to order documents. One requesting an application for assuming the loan, and the second, an updated payoff quote. I understand that the payoff quote may take more time..., but the application for loan assumption should be readily available to email to me. I have someone waiting for the forms, to fill them out, along with his financials, which will qualify him to assume the note. Also, the rear amount owed will be paid. Since Selene Finance wasn't willing to help me bring the account current by approving a modification, despite the fact that I was approved for $ XXXX financial assistance from the XXXX XXXX XXXX XXXX to help bring the account current, I had to find another option as soon as possible.
I've had problems previously when requesting documents, due to my loan " status '', which seems unfair and discriminating. I'm trying to resolve this situation as soon as possible, to bring the account current. Time delayed receiving the documents causes more cost incurred on the loan, which appears to be their intent. Please have Selene Finance send the requested documents so I can resolve this issue and bring the account current quickly.
|
| 08/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My wife at the time and I purchased the house in XXXX with a 10 year interest only loan before the mortgage bubble burst. The original loan was with XXXX before being sold to a private investor that use XXXX XXXX XXXX. After the loan was sold we tried to refinance but could not find any assistance because the house was upside down and our loan was not with XXXX XXXX or XXXX XXXX. Before the 10 years was up my wife and I divorced and I tried for a modification because of the loss of income and received a modification with a 5 % interest rate while the national average was a little more than 2 %. This was in XXXX. At the time my credit score was roughly between 830 and 840. I was told I did not qualify for any programs the government was providing because my mortgage wasnt under XXXX XXXX and XXXX XXXX. This was is the response we would receive from XXXX XXXX XXXX whenever we try to refinance like other neighbors with homes that were valued less than what they paid for. I was not able to get the same assistance others in the community were receiving. Selene later became the mortgage provider and offered a modification at 6 %. Im looking for a reasonable mortgage payment.
|
| 10/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage loan account XXXX used to be with community loan servicing llc my property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my social XXXX year of birth XXXX I was approved for a loan modification my first payment would be XXXX due XXXX XXXX with a grace period it was approved by Mr XXXX XXXX title asset manager phone XXXX XXXX XXXX faxXXXX XXXX XXXX. On XX/XX/2021 I got fed ex agreement I affect the modification. .my complaint is that my loan was sold to a new servicing company called Selence finance their phone number is XXXX XXXX XXXX my new account number is XXXX my name on loan XXXX XXXX XXXX 3 social security number is XXXX and my year of birth XXXX I was advised by my prior lender XXXX that the new lender selene finance will honor my loan modification. But when I called serene finance at XXXX XXXX XXXX they told me XX/XX/XXXX that my information from XXXX XXXX XXXX XXXX is not in their system yet and once it is I have to do modification all over again. I talk to prior lender at XXXX XXXX XXXX XXXX Mr XXXX XXXX that did approved me. At phone XXXX XXXX XXXX. That serene finance has to honor that modification that approved by the investor.
|
| 10/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Received foreclosure letter from attorney, Submitted modification request with financials. While my request for modification was being processed, I've tried to call the mortgage company several times I'm hung up on, put on hold. I call back the phone rings and no one answers. I have been calling for several weeks. Finally spoke with XXXX today Selene Finance she stated I never should have been mailed a foreclosure notice while they were working on modification request. I have received several denials all the denial reason have been different. One denial stated a report from XXXX was the reason for my denial. Another denial stated insufficient income, because they had my income incorrect, did not look at the paystubs, bank statements and tax returns, lastly I had a debt ratio issue, I don't understand how. I have read modification are based on your income, I am aware there is a covid 19 modification and other mortgage assistance programs. Did they reduce my interest rate, and monthly payment so I could keep my home. I want a modification and not to be put on a forbearance with is a catch up plan.
They also refused to give me a forbearance because I was affected by XXXX.
|
| 11/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
Requested assistance in XX/XX/2023 as we were 3 months behind on the mortgage due to loss of income- we are both self-employed. Was told by the representative that we didn't qualify for a modification. XX/XX/2023 received a letter from Selene Finance offering us a modification but the home went into foreclosure in XXXX. We filled out the necessary forms, submitted bank statements on XX/XX/2023. On XX/XX/XXXX, i was contacted by Selene as they needed the profit loss statement for my husband 's business - that was sent in to them. On XX/XX/XXXX they needed by profit loss statement and I sent that in to them at XXXX ; XXXX XXXX. via email. Selene has closed the application on XX/XX/XXXX stating that the application was incomplete and I was informed via a phone call that I placed to Selene. They have no intentions of approving a modification as the foreclosure sale date is XX/XX/2023.
I submitted anew application on Friday XX/XX/XXXX which doesn't give us much time to stop the foreclosure if they don't review the initial documents sent. I've sent a complaint about the situation to Selene, the XXXX XXXX XXXX who's handling the foreclosure and XXXX XXXX Mortgage Fraud.
|
| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I have called several times to inquire why my property taxes have not been paid yet by Selene finance and still do not have an answer. I am being told SelenXXXX is waiting on an " Approval '' for my property taxes to be paid, however, that doesn't make sense as Selene is the one paying my escrows. Apparently, when Selene purchased the loan, the escrow account was not set up and the setup is still pending. We can not continue to wait indefinitely for the " approval '' of our escrows to be paid.
My property taxes are nearing the due date in which I will incur a penalty for late payment. Additionally, the taxes should have been paid in XX/XX/2021 so that we get the 4 % discount. The lack of communication and clarity pertaining to our escrow account is unacceptable. We have done everything required of us to make sure our mortgage remains current every month and will not allow Selene Financial to put our credit worthiness at risk and/ or our home in jeopardy of being foreclosed upon. We made one final attempt to request an update on our account, specifically relating to our escrows, before contacting the CFPB to file a formal complaint, but still no response.
|
| 02/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I'm working with HUD certified agency XXXX XXXX XXXX. My sale date is XX/XX/XXXX. On XX/XX/XXXX I was told by lender that I'm not eligible for Loan Modification because application was suppose to be submitted 37 days before sales date & I requested a Deed In Lieu over the phone on XX/XX/XXXX & I was by XXXX told that XXXX XXXX XXXX option will be reviewed as long as the request and application is received 10 days before sale date.On XX/XX/XXXX Application was received when I spoke with XXXX XXXX. On XX/XX/XXXX We spoke with XXXX XXXX and he said application was incomplete but wasn't able to explain and the department would mail the reason for incomplete and wouldn't explain over the phone. On XX/XX/XXXX We spoke with XXXX XXXX and said no updates and application for Deed In Lieu is under review and was told to call back in a couple of days.On XX/XX/XXXX after being on hold for a while system requested that I leave a voicemail for a call back, I never received it. On XX/XX/XXXX we spoke with XXXX XXXX and told me application was terminated on XX/XX/XXXX because my application should have been submitted 37 days before. I want to do a Deed In Lieu, please help me!
|
| 10/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX Credit reporting Incorrect information on your report SELENEFINANCE LP XX/XX/XXXX Closed Company responded This company is non responsive to my multiple inquiries regarding unexplainable fees, no explanation of the amount of fees, and what they are for. This company has also due to being contacted by XXXX XXXX on my behalf removed ALL of my credit history from my credit reports which resulted in my credit scores dropping approximately XXXX points. After my last complaint my loan amount was approximately XXXX in retaliation they reported false information to the credit bureaus stating that i owed XXXX. From XX/XX/XXXX - XX/XX/XXXX, I sent approximately XXXX emails inquiring about incorrect information being sent to credit bureaus, unexplained late fees and unexplained amounts of the late fees. In XXXX I was late ONCE due to the long extended government furlough, I contacted XXXX to inform them and ask them what I needed to do. They in return sent me documentation and information regarding foreclosure. After informing them they reported this late payment to the credit bureaus and charged me a late fee. I paid that late fee and have not been late since.
|
| 01/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX my loan number is XXXX company is selene finance my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX phone XXXX my date of birth XXXX. My complaint is that I made a trail payment for XXXX thru XXXX for XXXX on XX/XX/XXXX the reference number is XXXX that should cover for XXXX. The problem here again is that selene finance has not yet updated their computer systems as they claimed. Before. I called them on XX/XX/XXXX and ask them if I'm on a trail modification payment plan the response was that they don't show any modification and that they don't see my XXXX payment of XXXX so when I gave them the money gram information all of sudden they told me that the supervisor is going to make sure that the computer systems is updated showing all the payments I made and that I'm also on a trail modification. I told the selene finance customer service rep that the system supposed into been updated when my loan was transferred from prior servicing to show that I'm on a modification. So I ask for supervisor and she claimed that they gave this to research to have this updated showing that I on a trail modification payment.
|
| 12/02/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX never billed me for my mortgage payment. XXXX became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers.
XXXX XXXX XXXX never entered their name in the foreclosure case ( XXXX City Circuit Court case # 24-O-17-002196 ) XXXX never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket.
I had communication from XXXX because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account.
I received the first billing on XX/XX/2020. After XXXX investigated, XXXX sold the mortgage servicing to Selene Finance. XXXX gave Selene Finance a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to XXXX and now the fraud continues.
Selene Finance is returning my mortgage payments because of fraudulent documentation received from XXXX. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was passed on to Selene Finance at the start of XXXX. I was experiencing financial difficulty due to a medical issue my child had to endure. I applied for a modification, which I was granted but was unable to make the payments on. As a result, I took a withdrawal from my 401K to pay the entire amount owed in XX/XX/XXXX. From that moment on, XXXX has never marked my account current. As of this date they have reported me as being 90 days past due on my mortgage which is not the case. On their website as of today ( XX/XX/XXXX ) they have posted that I am 37 days late. Every mortgage payment includes something called " advanced fees ''. Although I send my mortgage payment out on the first of the month, XXXX shockingly never receives my payment until it is past due even though it is mailed to a location that is only one hour away from where I live. I have attempted to make payments on line but was only allowed to do this once according to their website. In addition, they continue to miss paying my property taxes on time. They are ruining my credit and I really need help. This company is the absolute worst.
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
1. On XX/XX/XXXX I contacted Selene Finance, LP and requested a copy of the second XXXX Escrow Analysis which alleged to have been completed in XX/XX/XXXX. Representatives with the company stated that there was not an escrow analysis completed after XX/XX/XXXX, but that they were in process and I would receive it when completed.
2.More than 30 days have transpired and As of XX/XX/XXXX I have still not received an escrow analysis redone from Selene Finance LP/XXXX XXXX
3. Escrow for Tax and Insurance related to property and casualty is an annual requirement, but Selene Finance LP/XXXX XXXX has been calculating the monthly installment spread over 36 months, in contravention to regulated requirements on Escrow of Insurance and Taxes which fluctuate 12 month cycle, not a three year cycle. This process would artificially inflate a payment and drag it out over a longer period, which in turn would be fraudulently added to a consecutive year 's projection, after a new annual escrow analysis is performed. Selene Finance has not performed an accurate escrow analysis for the 12 months XX/XX/XXXX through XX/XX/XXXX.
|
| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have been in an active short sale since XX/XX/XXXX. When Selene Finance LP became my new Servicer of my mortgage we requested who my single point of contact was. We call over 50 times between myself and my Realtor without any success. Finally, on XX/XX/XXXX of XXXX, we were assigned a Single point of contact.
We have an all-cash offer on the property. Now that we are finally working with the underwriter to move this to a closing Selene Finance sets a date for a foreclosure. In the state of TN, the servicer MUST notify the homeowner that the sale date has been set via regular mail and certified with a signed receipt. I never received anything. Even when I called Selene Finance and told them they broke TN law by not sending me the letter of the sale date. Please show me proof that XXXX or XXXX sent this letter to my house. Even show me the sticker they would place on my door saying they will try again. No proof this sale date letter from XXXX XXXX XXXX was ever sent out. This law firm is notorious in the state of TN for these illegal tactics.
Now I am requesting a QWR RESPA TILA because of the matter.
|
| 09/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
Date of transactions XX/XX/2023.
Amount of transaction : {$13000.00} Received at Selene Finance : XX/XX/2023 Location : XXXX XXXX NJ office Signed by XXXX XXXX at XXXX XXXX on XX/XX/2023, delivered by XXXX I sent XXXX certified checks for {$8000.00}, {$3000.00}, and {$2900.00} to have my loan reinstated by the stated date of XX/XX/2023. Today is now XX/XX/2023, and i have made over XXXX calls to Selene Finance and every day I am told that my funds have not been received. I have given the company the name of the person who signed the XXXX package and time it was ( XXXX ) signed for. Selene refuses to take the extra step and call their cashier department to locate the certified funds. Prior to mailing I called XXXX times to verify the address to send the reinstatement funds to and all times I was given the NJ address, NOW I'm being told that they can take up to XXXX days to locate my certified funds. I want my funds applied to the account as of XX/XX/2023 when the package was delivered on time my loan number is XXXX my home address is XXXX XXXX XXXX XXXX NY XXXX PLEASE help me before I lose my home.
|
| 11/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX XXXX XXXX transferred my mortgage to Selene who seem to manipulatively trying to take my property by giving limited information, notices, and now threatening with an intent to accelerate. I received my first notice on XXXX but could not make a payment until XX/XX/XXXX due to large unpaid paid utilities bills due to XXXX XXXX, so I attempted to make a payment ( XXXX ) XX/XX/XXXX, but could NOT make a payment on their website without paying over {$5000.00} which was a number I had never even seen before. So the system would NOT allow me to make a payment at all only pushing me further XXXX past due.
Next, I receive a certified letter on XX/XX/XXXX ( a XXXX XXXX XXXX XXXX later ) which threatens intent to accelerate if not paid in full within XXXX XXXX of the date of the letter and the date of the letter is XX/XX/XXXX so thats less than XXXX XXXX! They are greedy, aggressive and manipulative in their strategies to keep me past due. They mentioned a loan modification and for me to apply with XXXX XXXX XXXX XXXX XXXX ) which I completed applications with both and submitted all requested documents.
|
| 12/29/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
This complaint is a follow up to complain XXXX originally filed on XX/XX/2020. We feel that Selene Finance did not respond to the original nature of the complaint. On the letter dated XX/XX/2020, Selene Finance requested one additional payment to finalize the trial modification. On XX/XX/2020, we submitted this payment. In Selenes response of the XX/XX/2020, they do not address the issue of the letter dated XX/XX/2020, which requests one payment to finalize the loan modification. In addition, the phone number provided to respond is not the Executive Response Office. It is their main customer service number, which can not provide resolution to this issue. We are requesting a direct number to the Executive Response Office. This is an FHA loan. We have never been offered any of the retention options, such as forbearance, which have been offered to mortgage holders during the current COVID crisis, regardless of their delinquency status As resolution, we request that Selene Finance honor their letter of XX/XX/20 and accept our payment of XX/XX/20 as successful completion of the Trial Modification period.
|
| 01/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We filed bankruptcy in XXXX and XXXX respectively. I filed first, then my husband. The mortgage was not a part of the bankruptcy. We filed bankruptcy due to an overwhelming amount of medical bills not because of erroneous debts. Once bankruptcy filed, Selene took more than 30 days to process a personal check for the mortgage. Prior to bankruptcy we would pay the mortgage over the phone. Once we filed, Selene no longer allowed this payment option. After writing and calling them with no response, we started sending mortgage payments by money orders. I saved every receipt, however my purse was stolen/misplaced and I can't find those. I started paying by certified bank check some months ago. We got a notice that the mortgage was behind, so I had XXXX XXXX XXXX trace the certified checks. Only one or two had been processed and the others, months old, were still hanging out there. XXXX XXXX XXXX cancelled them and refunded my money and we started paying through automatic bank draft. Those payments are well documented. We are being XXXX XXXX XXXX my Selene to vacate the home so that they can foreclose.
|
| 03/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance taught me the lesson very clear. If there is a issue only CFPB can help. I have been reached out to them about the statement issues 5 time and nothing is done. After filling the complaint with CFPB at least there is some movement even Selene Finance is still not providing the right service to my mortgage.
My mortgage payment was {$1500.00} for more then a year before Selene Finance took over.
The first coupon Selene Finance sent me has the same payment amount {$1500.00}. Please see attachment 1 for reference.
Which I have been sending the {$1500.00} payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This {$1500.00} should be break down as Principal, interest and {$290.00} for Escrow.
Selene Finance dropped the Escrow which should be included in the monthly payment from {$290.00} to {$60.00} without any agreement with me. They also mark my Escrow Balance as - {$410.00} on the statement date XX/XX/XXXX. Please see attachment 2 for the reference.
I am not asking Selene Finance to provide me any special assistance but just the right service.
|
| 11/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
I overnighted a check ( return receipt requested ) in the amount of {$52000.00} to Selene Finance, my mortgage company. The check was for the settlement with my homeowner 's insurance company, XXXX XXXX, for damages that occurred to my home due to XXXX XXXX XXXX.
Selence Finance received the check on XX/XX/XXXX. They informed me that they deposited the check into my restricted escrow account on XX/XX/XXXX and then transferred the {$52000.00} out of my restricted escrow account on XX/XX/XXXX.
When Selence Finance attempted to cut a check to my roofing company for roofing repairs, they noticed that the restricted escrow account had a XXXX balance. I contacted Selene Finance on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to provide me information as to ( 1 ) why the money was transferred out of the restricted escrow account, ( 2 ) where was the money transferred to and ( 3 ) when will the funds be transferred back into my restricted escrow account so I can pay the roofer so that repairs can begin on my home. Selene Finance refused to provide me with answers to any of my questions.
|
| 08/23/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My loan was sold to selene financial. I sold the house. I had to pay my property taxes again at closing even though I had already paid it in escrow. I called selene finance and changed my address with them so they could send the refund to the proper place. They would not discuss the repayment amount when I called. They just demanded that I wait the proper time for them to issue a check with my refund. They finally sent the check to the address of the house I sold. I no longer live there or have access to the mailbox. I called to have the check reissued. It is approaching 2 months since the house was sold. I had XXXX double pay the taxes and are still waiting on them to refund me.
I can't get through their automated system sometimes as I no longer have an active loan with them. So it does not recognize me. Also each time I call I get a difference response of what is going on.
The agents have been ok for the most part but I should not have to beg this company for a refund that I had to double pay. The house has been paid off in full. But I have not been refunded the money I overpaid.
|
| 11/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
I applied for a modification from Selene Finance on numerous occasions, and have been denied for insufficient income. Selene received my loan from XXXX Mortgage. XXXX had approved me for a modification and rescinded it because the Recorder of Deeds office was closed here in XXXX. Since then, I have repeatedly provided Selene complete modification packets that have not been revised in a timely process. Once the time frame gets to 90 days they deny it and request the same documents. In addition, Selene Finance is Dual Tracking. I have been working diligently toward a modification and they have been working towards foreclosure and a resolution through modification. I have requested to speak to them and they have claimed they havent received authorization from my attorney, who neglected to inform me of the court dates of this escalating to a judgement. Selene stopped sending me mail and stopped talking to me. They spoke to me for a very long time while I was represented by an attorney, then refused midstream after my attorney authorized them several times. My most concern is Dual Tracking.
|
| 11/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My loan was purchased by another lender and the servicer for them is Selene Finance. I was in the middle of a modification due to covid with previous servicers and completed it on time but every since Selene got the loan in XX/XX/2020 they keep saying my modification is in underwriting and they cant take my pmnts. I have tried twice a week since XX/XX/2020 to call and speak with supervisors and make them take a pmnt and they say they have to have someone override their system to take a pmnt and no one is available to override. I can not make a pmnt online or through the automated system. I have not received foreclosure papers but I keep getting monthly statements saying I'm 9 months behind. Several reps through my weekly calls tell me NOT to make a pmnt because it will mess things up. They say I have unapplied money. The reps and supervisors also see the notes and say that the company is being weird with my mortgage and they don't understand and do not know what to do other than send it to their manager and when I call again the last note was sent to manager and nothing is ever done.
|
| 06/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
ON XXXX MY HOMEOWNERS ' INSURANCECOMPANY, XXXX XXXX, PAID ESCROW FOR THAT ENTIRE YEAR- NO BALANCE OWED; IT STILL HAD MONEY WITHIN THE ESCROW. IN XXXX SELENE FINANCE , THE MORTGAGE CO. , REQIIRED THEY WANTED {$4400.00} TO CHARGED TO HELD AGAINST MY ESCROW ACCOUNT -- i SPOKE WITH LOAN REPS AND ASKED HOW TO RECTIFY THIS, THEY BUMPED MY MO. PAYMENTS UP BY XXXX. I AM SENIOR, XXXX ON SSA. ON XX/XX/21 THEY SUGGESTED i COULD PAY HOME INSURANCE IN FULL, GREATLY DECREASING THE MO. PAYMENT. I DID SO -- NOTIFIED THEM IN WRITING, AND SO DID INS. CO OF FULL YR 'S PAYMENT. OF HOMEOWNERS INSURANCES! MORTGAGE CO SAID " NEVER MIND, WE WILL HAVE ALL TAKEN CARE OF IT '' IN LESS THAN 6 MONTHS MY MO. PAYMENTS UPPED OVER {$1700.00} /MO!! DESPITE I DID PAY MY OWN INS., AND GIVEN THE MORTGAGE PROVIDED WRITTEN NOTICE AND COPY OF POLICY. XXXX XXXX XXXX XXXX HAS HAD OVER 167 COMPLAINTS AGAINTS THIS MORTGAGE COMPANY IN LESS THAN 36 MONTHS!!. SOMETHING IS WRONG .... ESSENTIALLY, THE MORTGAGE CO. ASKING ME FOR OVER 1/2 AMOUNT OF MY REMAINING AMOUNT OWED ON ENTIRE MORTGAGE PAID TO THEM IN LESS THAN 12 MONTHS!
|
| 04/29/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I live at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My name is XXXX XXXX. Ive been living here for 16 years. The loan was originated with XXXX XXXX XXXXXXXX. I feel behind or I try to file bankruptcy but it got dismissed in XXXX. I did not complete the bankruptcy, so I was still behind then XXXX XXXX XXXX was supposed to have sent the loan to Celine finance so all of the year and something they sent the one there I was trying to modification with them. I never could get through to Celine finance that supposed to be house in Texas so now theyre trying to foreclose they found paperwork in XXXX XXXX XXXX XXXX XXXX, XXXX. I need some assistance. Im trying not to lose my home, but it doesnt seem like theyre trying to work with me. Theyre trying to say that Im behind 54 payments with Celine finance. They only have had the account for a year and a half. If you could please help me I would greatly appreciate it. My phone number XXXX thank you. I have also contacted Americans with XXXX act. XXXX on XXXX. Ive been on XXXX for at least 10 years. I also work jobs to compensate for my income.
|
| 03/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
1. this lender took over the loan in XX/XX/2019. we borrowers were not notified In time to send payments to Selene/the new lender. payments were sent for former receiving lender ( XXXX for XXXX XXXX ) 2. now selene ignored our request to provide us copies of checks they received from loancare/Cit former lender ... ..
3. meantime now selene has sent a notice to accelerate /foreclose on the property.
4. we/borrowers have sent selene certified letters requesting the copies of checks selene has received from Loancare/cit former lender, but has ignored us todate.
customer service is very rude over the phone. all they are concerned with is to foreclose on us since we have low interest on the existing loan.
5. selene finance feels they are not covered under the government mandate to halt debt collection due to covid 19 .... who can we send the complaint about this lender about not adhering to this mandate? ..pls. give me info.I will direct addl. complaint.
lender is Selene finance, XXXX, XXXX .... Account # XXXX borrower : XXXX XXXX Property XXXX XXXX XXXX XXXX, XXXX, CA XXXX
|
| 08/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I represent a client, XXXX XXXX XXXX, account no. XXXX. Her loan was transferred to Selene Finance from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Vermont HAF program sent {$33000.00} to XXXX XXXX XXXX to reinstate XXXX XXXX 's account. However, those funds have not yet been applied to her account and is still showing as delinquent. On XX/XX/XXXX, XXXX, XXXX XXXX called Selene Finance and was informed that her account is now showing as past due {$37000.00}. I am attaching the V-Record from XXXX confirming that the reinstatement amount good through XX/XX/XXXX was {$33000.00} and the B-Record showing that the Vermont HAF program disbursed {$33000.00} to XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX applied to XXXX XXXX 's account. Further, I am attaching an online statement from XXXX XXXX XXXX showing that as of XX/XX/XXXX, the reinstatement funds had not yet been applied to the account.
XXXX XXXX XXXX and Selene Finance have failed to properly apply the HAF funds to XXXX XXXXXXXX XXXX account. Her account should be showing as current and due for the XX/XX/XXXX payment.
|
| 09/15/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
XXXX XXXX XXXX offered me a loan modification on XX/XX/2020 which I accepted. XXXX XXXX then sent me a forbearance letter, with terms are not consistent with COVID-19 relief. Thereafter, the mortgage loan was transferred to Selene and a significant gap in time before either servicer would provide information or documents requested to continue loss mitigation efforts. I have attached proof of how XXXX made unreasonable demands and never notified me of the transfer of mortgage but refused to discuss the loan documents or continuance of Loss Mitigation. Selene will not even negotiate based on COVID-19 relief, so the mortgage debt accelerated, accrued fees and costs primarily because the servicers were deliberate in causing further harm during an unavoidable hardship, sickness, school transition, and tremendous impact on economy. I am able to present a loan modification and be considered for a loan because I have worked hard to build my business and income. My family can not suffer the injustice of facing foreclosure, vacatur, and imminent bankruptcy, which will destroy us.
|
| 01/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
To whom it may concern : I am writing to submit a complaint regarding Selene Finance. I do not have a mortgage through this company but I did assist a neighbor in a problem he was having. Selene has a customer service phone number ( XXXX ). When you call and press 2 for Spanish there is a prerecorded message that plays and then abruptly stops so Spanish speaking callers are not able to proceed with their calls! There is an option to press 1 if you are having financial difficulty and it will connect you with a representative, but even if you press option 1 it does not do so. And then if you continue with the call to see about other options the message ends abruptly. I alerted a customer service representative to this and she said she would 'make a note in the file ' of the consumer I was helping. This is a problem when calling from multiple different phone numbers and has not been resolved since it was brought to their attention on XX/XX/22. Please investigate immediately as this is a barrier to Spanish speaking individuals being able to access such an important service!
|
| 12/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX XXXX 3 my social number is XXXX and my year of birth is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX phone is XXXX XXXX and im on a trail modification payment. My loan number is XXXX my complaint is that selene finance has not pay my HOA Dues my previous lender XXXX XXXX XXXX XXXX escrow those in my mortgage along with my taxes and property insurance for the inside of the condo before my loan was transferred to selene finance my HoA was current the HOA company they pay is XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX ny XXXX. Those are my condo fees that are paid monthly. Since my loan transfer from community loan servicing llc to selene finance. The problem here is that selene finance is not making any payments to the other parties these items I mentioned are escrow in my mortgage like my property taxes are. I'm hoping they are paying my property taxes too. The most important thing is that they did send out a payment for the HOA fees my normal payment is XXXX a month also I'm past due they sent me a bill for XXXX
|
| 05/28/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I 1st notice it XX/XX/XXXX when I try to make my payment on line that I was one month behind so I call was able to make payment for XXXX. And the rep. Told me to call the following week she was going to note it. I call the following week that the rep was going to talk to supervisor so supervisor would look into cash dept. I did explain to them I have my back statement where it shows the dates Selen has been withdrawn the payment. Also they can't find a check that send back in XXXX but my bank shows it was process and stamp by them. I call this Monday XX/XX/XXXX to call back Wednesday well Tuesday and Wednesday collector 's call me that I owe again I explained and again they told me to call Friday today XX/XX/XXXX now the rep tells me I need to do it in writing. Am upset cause no one told me that and I ask to speak to supervisor oh supervisor not there they will transfer me to voice mail but the rep said this it says they will call within 24 hours but they wouldn't. XXXX is right around the corner my credit score went down. Please advice XXXX XXXX email : XXXX XXXX
|
| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have sent my mortgage payments to this address since XXXX. They have never mailed out a coupon book or monthly statements to pay this mortgage. I just keep using the first one I received when they took over my loan. I dont even know what date my loan is due. It is like they want me to miss a payment. And they never sent any communication that I had missed a payment, just received a letter that I was in default.
I received a letter on XX/XX/22 saying I was in default loan and if I didn't pay two monthly payments {$1900.00} and escrow advance balance due {$1700.00} that they would foreclose on my home. I have copies of the checks that were cashed and escrow is included in the monthly payment ( which is for my house insurance ). I have never had any issues with the previous mortgage company.
Please help me with this company... I don't want to lose my home.
I wonder how many other individuals have lost their home because of these practices. This Finance company is in the business to taking people 's homes from them not to help them.
Thank you Attachments
|
| 06/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance didn't pay my second quarterly property tax which was due on XX/XX/2021. I received the delinquent notice from the XXXX XXXX on XX/XX/2021. I called Selene on XX/XX/2021 they acknowledged their mistake asked me to send the delinquent notice to them so they can send the check out to township ASAP. On XX/XX/2021 I found out the taxes was still not paid, i called them again they again said will be taken care of in two days. I have been calling them every 4 days since then. Today XX/XX/2021 they are saying they will take care of it by XX/XX/2021 extending it for another month. My third quarterly tax payment is due on XX/XX/2021 I'm afraid this will lead into a big mess. Please help me to resolve this, I have been making my payment on escrow which is {$770.00} and mortgage {$2400.00} monthly on time. As of now I have {$4800.00} in my escrow account my property tax is {$2100.00} every quarter. Tax due $ XXXX {$25.00} XXXX interest XXXX as of today.
Lender Information : Business Name : Selene Finance Address : XXXX, TX XXXX Phone : ( XXXX ) XXXX
|
| 04/19/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
We were involved with the XXXX XXXX XXXX XXXX in XXXX which was the beginning of the problem. During that time XXXX XXXX XXXX sold my mortgage to XXXX. A loan modification was completed. I was a single parent of young children and had some medical issues which kept me out of work. Mortgage sold again to XXXX. A loan modification was in process and I had already made the first payment. I was involved in a near fatal boat accident and spent 6 weeks in the hospital. Even after XXXX surgeries to save my arm I am permanently XXXX and was forced to medically retire. At the time when I got out of the hospital I immediately called and explained the situation. The mortgage company told me they already canceled the modification, and that they would not help or assist me further.
Mortgage sold again this time to Selene. Now I have a further reduction income due to XXXX and COVID-19. I hired an attorney to handle the modification however due to lack of IRS tax returns the attorney is demanding another {$3500.00} to start the modification process all over again.
|
| 12/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Our loan was transferred to Selene Finance in XXXX of XXXX. In XXXX of XXXX I received a credit alert from XXXX that there was a negative report from Selene Finance. The credit alert shows that Selene Finance reported the account with XXXX in XX/XX/XXXX as CO and modified. We never did a loan modification with Selene Finance at any time. The only loan modification occurred with the previous servicer in XXXX of XXXX. Selene Finance has no right to file a negative credit reporting for a modification that occurred almost 4 years ago with another servicer. I contacted Selene about their error and was told that they are properly reporting the loan, and there was nothing they needed to do. Not only was the loan not charged offed, Selene Finance is reporting the loan modification, which occurred almost 4 years ago with another servicer, as though it just occurred with them, which means it will remain on my credit report for seven years. Selene has wrongfully and purposefully reported something that negatively impacted my credit, and is refusing to correct it.
|
| 10/22/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We entered into a forbearance agreement with Selene Finance ( our mortgage servicer ) in XX/XX/2020 as a result of hardship due to Covid19. In XX/XX/2020, re- paid all back monies to bring our mortgage current. We resumed regular monthly mortgage payments in XXXX as well. On our XXXX statement we saw that we were charge two fees in the amount of {$15.00}, totaling {$30.00}. I contacted Selene and was advised that these were advanced corporate fees for Selene having to send a field inspector out to see if we were still living in the property.
Please see attached copy of the letter I sent to Selene Finance regarding this matte on XX/XX/2020. To date we received no response from them.
I called Selene to today at XXXX and was advised by the customer service rep XXXX, that there was not letter received from me! He advised that I e-mail it to them at XXXX. Which I did. I do not expect to hear from them simply because they claim to not have received a letter I mailed to them.
Needless to day, our mortgage payment as increased from {$670.00} to {$700.00}!
|
| 06/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I requested a loan modification and Selene Finance kept on denying my loan. For the Nth time i submitted my loan modification application, They added the escrow which made my payment raised to {$5300.00}. In XXXX they raised it again to {$6400.00} which they claimed that they added a cushion amounting to {$1100.00}. I also applied for a refinance with another lending company. We submitted a 'Pay-off request on XX/XX/23. The pay-off according to them will take 3-5 business days. I called on XX/XX/23, XX/XX/23 and just earlier I called to follow-up. The lady XXXX of Selene Finance gave me the XXXX XXXX phone number which is XXXX. I called that number and spoke to XXXX. XXXX confirmed to me that there was no modification, or any negotiation forwarded to them. She also told me that there was no 'Pay-off ' requested at all even in the prior week or months. They clearly are not do anything to do negotiation, they lied to this Bureau and they lied to me.XXXX 's direct line is XXXX ext XXXX. You can confirm to her that there was nothing done on my case.
|
| 02/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
In 2021 I applied for a forbearance due to XXXX with XXXX XXXXXXXX XXXX ( my servicer at that time ). When I was ready to resume my payments, my loan was transferred to Selene Finance. I called Selene several times. They would tell me that they didn't have my loan information yet to call back in a couple of weeks, I would call again and again, this would go on for two months before they had my loan information. Then they told me that I needed to send the application for a loan modification. I sent the application and paperwork at least three times before I was approved for trial payments. I made my trial payments on time and received the final agreement, I signed and returned but Selene lost my agreement. I faxed emailed and mailed but later they said the documents were not scanned in on time and that I would have to re-apply for a loan modification again.
I have applied for a fourth time. I think that this is very unfair. All I wanted was a couple months break and be able to resume my mortgage payments like the covid protections advertised.
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
During COVID my wife was unemployed due to XXXX, so I requested Forebearance from my lender XXXX XXXX XXXXXXXX which I was approved, this lasted 18 months. after 18 months the bank gave me XXXX XXXX XXXX, I declined it because I thought modification would be better for me. I started modification application back in XX/XX/XXXX, every week the bank will ask for more docs, finally XXXX XXXX XXXX sold my loan in the middle of the Modification process to Selene Finance on XX/XX/XXXX.
Since Selene took over servicing of my loan I've been sending them docs and more docs, on XX/XX/XXXX I received letter indicating DECLINE of modification due to lack of income and giving me XXXX options : Short Sale or Deed in Lieu. I appealed their decision using their Modificaiton Appeal Form on XX/XX/XXXX using my XXXXXXXX XXXX income whoe lives with me for {$4000.00}. I called today XX/XX/XXXX to get a status I was told that the Appeal was declined too. Meantime I've received in registered USPS mail twice indicating Notice of Default and Intent to Accelerate.
|
| 10/14/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We went through a loan modification starting with XXXX XXXX XXXX in XXXX and during that time our loan was transferred to Selene Finance as a servicer. We continued the modification with Selene and it seemed to be completed in XXXX. Below is a list of the events that we know occurred with our loan in chronological order : -The XX/XX/XXXX Mod has an Eff Date of XX/XX/XXXX, while the XX/XX/XXXX Mod has an Eff Date of XX/XX/XXXX this seems strange ; -Each one of the modifications references a HUD Supplemental loan, but only the XX/XX/XXXX one was done ; -The Modifications seem to indicate a balloon payment due on the HUD Supplemental loan , but without the Note, I have no idea what the terms of that loan are and/or whether there is some mechanism for satisfaction other than making the balloon payment ; -We originally borrowed {$230000.00} in XXXX, and now you ostensibly owe around XXXX what kind of relief is this?
-There needs to be some accounting somewhere as to how Selene Finance and HUD calculated the arrearages and/or the loan amounts.
|
| 03/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My Mortgage payment was submitted to Selene Finance which is location is XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX in XX/XX/XXXX. XXXX to start my Trial Modification Plan. I have been making every payment on a timely base every month. Then my Mortgage payment was transfer to XXXX XXXX XXXX and I have still making my payments timely. I have requested from Selene Finance more than four times to please send me a copies of my 1098 for the following years XXXX, XXXX, XXXX, XXXX and XXXX. I was giving only XXXX, XXXX, XXXX and XXXX 1098 tax papers. I have called Selene many times please fax and hard copy me the missing XXXX 1098 tax papers so I can file my taxes and clear up this situations. Selene Finance is trying to tell me that I miss paying the whole year XXXX mortgage payments and this is why it missing. Then I was told I would get a copy though email and hard copy. I have been waiting since XXXX of XXXX and still have not received the information requested. I need this information to complete my income taxes so I can refinance my house.
|
| 03/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX cancellation of debt of XXXX off the state of XXXX XXXX XXXX I'm the administrator of the state XXXX XXXX XXXX then turn around and force me into another loan modification after the cancellation of debt the loan modification did not include any of my payments or the cancellation that debt off the estate of XXXX XXXX they sold it to a new mortgage company called XXXX XXXX a blank loan modification paper with no papers or anything no administrative papers no surrogate papers no payments and no counseling Nation today of 1099 forms that they sent me and I asked the new mortgage company XXXX XXXX to straighten out the loan because it was arrested era on the loan modification before they sold it to selene Finance all the paperwork to straighten it out they never straightened it out they just carried the payments forward forward late charges then I became taxes in cuz my XXXX XXXX veteran they still counting the taxes and the payment and won't straighten the loan out but they trying to foreclose on my house and I need help.
|
| 10/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I own a XXXX flat on the north side of XXXX Illinois. During the pandemic my tennents were experiencing a hard time paying their rent due to reduced paychecks. At that time I had XXXX XXXX XXXX as my mortgage provider. I applied and got forbearance on my loan. I was told that I could get a loan modification at the end of the forbearance.This process dragged on forever and in XX/XX/2022 my loan was sold to Selene Finance. I again started the process of a loan modification with Selene Finance. Once again I was met with mass inconsistencies. I filed for the modification twice and each time I was denied, I am currently appealing their latest decision. Because of the time consuming process I am currently in the midst of a foreclosure. I feel that they are conducting fraudulent practices.They were suppose to provide me with determination my XX/XX/2022 but did not receive it til XX/XX/2022 when the letter was dated XX/XX/2022. All their correspondence is received late with little or no time to react. In my opinion that is not a coincidence
|
| 07/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello I'm the primary person for the loan note since I became XXXX about XXXX ago I started asking the mortgage company to adjust my mortgage and when I did they would sell it to another company and when I would ask them the same question they would sell it to another it's been aleast five company 's and my wife was paying the mortgage and I wrote the company called and left messages and they wouldn't talk to me and she got behind she didn't tell and they wouldn't talk to me and I'm the primary of the loan and it's messed my credit up and I've been paying the taxes every year and I just found out that they were without me knowing and by me being XXXX the county had me waiting 6nonths for both year to get my money back I know I have rights I was certified with the state of NC before I got XXXX and I went to my local branch social security office and they told me to contact you'll and I knew something didn't seem right so I had credit repair challenging the other mortgage companies and have recipients for my taxes that got sent pack
|
| 05/12/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Sale date of home scheduled for XX/XX/2023.
Home went into contract to purchaser on XX/XX/2023 Title company contacted lawyers office handling foreclosure who added " fee '' in excess of over {$60000.00} for " interest '' of various amounts for 5 years.
Debt collection payoff document does not include principal balance, mortgage rate, daily interest, etc.
Mortgage servicer, Selene Finance, never responded to request for payoff letter.
Selene Finance is in multiple lawsuits currently with hundreds of people across the country for shady, misleading business practices; lost class action lawsuit several years ago for same reason.
Debt collection 'lawyers ' office is being not only unethical but over charging fees in excess of what was submitted on foreclosure paperwork to the courts.
I have never signed anything with Selene Finance, my mortgage was sold to them while under bankruptcy with terms ever sent to me. No communication for resolution of debt, advised unable to move with loss mitigation due to sale date pending.
|
| 06/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
When we first brought our home XX/XX/XXXX, we did not know our mortgage was a balloon rate and would increase tremendously, we refinanced in order for our mortgage not decreased. In the process of paying our mortgage, I was preparing for retirement.
We found out that we were scammed by a company called XXXX XXXX, who said that they will pay our mortgage payments, we were not to pay the mortgage people, they will, thought they were paying our mortgage, until we were threaten with forclosure notices, XXXX worked with us and deferred our missed payments. When they sold our mortgage to Selene, they wanted us to start paying towards the deferred amount in our monthly payment.
We had two modifications, the first was in XXXX and the second was in XXXX The modification appears to have a balloon feature which means that the entire mortgage comes due and payable in just a few years. Were you made aware of this?
I was aware of the first one being in a balloon, I was not aware of the current being in a balloon rate as well.
|
| 10/09/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
This is the second issue last year I paid towards the principal. I don't know what happened to my extra {$200.00} but my payment increased. The rep told me it was only a few dollars more. I told her that wasn't the point. I complained to Selene but nothing was done. This year I received a notice that I could pay the escrow shortage again. I did pay it, they received o XXXX XXXX. Well they did the same thing. It was put in a suspense account. No one can tell me why. I put the slip in there about the shortage and the amount. They took it out of the suspense account. Several reps are telling me that I will need another escrow analysis. Why when I am paying the storage? This what I was told last year but they claim My mortgage wouldn't decrease if I paid to the principal. That was my first time hearing that. This is the worst company to have a mortgage with. But my mortgage was sold to them. I wish I could add attachments to this complaint. I contact Selene Loan resolutions and customer service on the phone a emails.
|
| 09/30/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American, Servicemember |
|
I receive a Breach letter from Selene Finance, knowing my account was not 120 days past due I placed a call to Selene finance to obtain information on why received a notice of default. I was told by a representative of Selene finance that they hold my payment in suspense account due to a previous bankruptcy I filed many many years ago. In disbelief I continued to pay my payments. Today I received my XXXX XXXX billing statement from Selene finance and saw that my payment made on XX/XX/2023 was held in suspense- I made a payment of {$1100.00} my payment is XXXX they held the entire payment from XXXX in suspense. The payment made in XX/XX/2023 wasnt reflected. When communicated to Selene Finance via email I inquired in regards to the breach letter and cost of that breach letter - I didnt receive any response from Selene Finance addressing the breach letter at all. When I called back to Selene the representative was less than helpful and asked me what was I talking about and why it mattered I am paying my payments.
|
| 09/20/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I was setting up auto pay for the first time, I set this up XX/XX/2023. I notice that the payment had not posted nor was it pending in my account XX/XX/2023 ; I called the mortgage company to verify how the auto pay is set up, I know from past experience that some places want the first payment to be made then auto pay will start the next month, I call to verify was their policy set up that way, the young lady that I spoke with told me that I had to make a payment then the auto pay will start the following month. I seen the payment that I made through the mortgage web page account post right away, then XX/XX/2023 the auto payment took another payment. I have been calling since XX/XX/2023 to have this money refunded back into my account, I explained to the mortgage company that the money that was taking from auto pay was for my bills. I have not received anything in my account, all I get from this place is the run around, I ask to speak to a supervisor every time I call, I NEVER get a supervisor to speak with.
|
| 04/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I had submitted my Financial Hardship Paperwork to my mortgage company, Selene Finance LP in XX/XX/2023. My husband and I were both temporarily laid off until XX/XX/2023 and explained this in our documents that we supplied to Selene Finance. Despite their written and verbal confirmation of receiving our documents for the Covid-19 Forbearance, they have refused to work with us, refused to process the forbearance, and stated multiple times that they are not required to process the Forbearance under Covid-19, despite the fact that our financial hardship is directly related to loss of income from Covid-19 as well as the fact that the paperwork we submitted to them was during the Covid-19 National Emergency, while it was and still is in place. In addition, Selene Finance has been reporting our late payments as delinquencies to all the credit bureaus, XXXX, XXXX and XXXX, resulting in severely damaging credit scores. We have been yelled at by Selene Finance LP employees for months without any resolution.
|
| 09/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Mortgage company : Selene Finance loan number XXXX. I suffered severe financial hardship due to COVID 19. I am the care provider to my mother XXXX XXXX that is hospitalized due to XXXX and just had her XXXX XXXX My husband is XXXX XXXX.
On XX/XX/XXXX I send an application for loan modification ; I call every other day and I am told it has not been received. I fax, email and mail documents and the mortgage company tells me when I call that my documents are not received. On XX/XX/XXXX I resubmitted requested paperwork for my application and I called and was again told not received. On XX/XX/XXXX I was asked to submit attached documents and I called XX/XX/XXXX for an update was told documents not received. Immediately resubmitted documents. I send requested documents to 2 departments given by Mortgage company XXXX and customer XXXX.
My loan was transfer to Selene Finance and XX/XX/XXXX was paid I also trying to clear this pay net made with them because they are reporting XX/XX/XXXX as not paid.
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My XXXX credit report shows Selene Finance with adverse information. In XXXX I was working with XXXX XXXX XXXX to modify my home loan via Court Ordered Mediation here in XXXX XXXX Court. While in mediation, Selene Finance purchased my loan from XXXX. In mediation, all payments and foreclosure proceedings have a court ordered STAY until the modification is complete. Selene knew they had purchased a loan in modification. Nonetheless, marked my loan as 120 days overdue in XXXX of XXXX. The modification was completed in XXXX of XXXX and I was never late with Selene. To be eligible for the modification I had to make three on time payments commencing XX/XX/XXXX. This was successful. Selene had no right to report my loan 120 days overdue to any credit bureau. Twice now I have written letters to both Selene and XXXX and mailed certified mail with return receipt. I just received a ruling from XXXX that Selene again reported the 120 day overdue. This is a major hit to my credit and an unfair practice.
|
| 11/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Our mortgage was transferred to Selene Finance from XXXX and when Selene bought the mortgage XXXX did not inform them that we were in the middle of a COVID hardship modification.
Unfortunately, we had to start the whole modification process once again with this new lender. We explained on numerous occasions that we were in the midst of a COVID hardship, that I had just recently had XXXX XXXX XXXX and that we were just starting to receive payments from our tenants who were also behind on rental payments.
Selene responded to our hardship request by not only INCREASING our monthly mortgage payment from {$3100.00} to {$4100.00} but also INCREASED our Interest Rate from approximately a 4 % ( that we had with XXXX ) to a 7 %.
Selene 's lack of empathy and GREED took advantage of a very difficult time.
In fact, we requested that they consider extending the loan to 40 years and WE NEVER RECEIVED A RESPONSE TO OUR WRITTEN REQUEST.
Based on all of the above, we are filing this complaint.
|
| 08/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was in a forbearance lost my job my tenants didnt pay rent for 18 months been trying to get a deferral on my payments since XXXX they keep telling me i didnt turn in documents which i did over 10 times tried paying back payments denied to take my money the day after sent default letter than canceled it they said, then said 30 days pay stubs when XXXX ran out then said i needed letter for bank account i didnt have and wanted proof of rent my receipts wasnt exceptable then spoke to management gave me her word foreclosure was placed on hold next day was in foreclosure they canceled my forebearance put me in foreclousure while in forbearance and said they couldnt locate forebearance they are throwing me around when this could of been resolved back in XXXX now im 8 months behind have a job tried setting up repayment plan say i cant because foreclosure status im scared of losing my house i have alot of equity in home and believe they are doing this to gain my equity can you please help me?
|
| 04/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I currently have a mortgage. The servicer is Selene Finance. I filed a bankruptcy a few years ago and received plan confirmation back in XXXX. I made the payments to mortgage servicer as told from bankruptcy court. I have received no statements to this date. My payments have been made on time and every month until the mortgage company started sending the payments back. During this time I received loan modifications and in XXXX a notice of change of servicer. In XXXX, my daughter looked into why they keep sending this information. The mortgage company had increased my payments without sending a notice or sending a statement anytime during this period. I still have yet to receive statements except one sent to my bankruptcy attorney in XX/XX/XXXX. Now the mortgage company is saying I owe close to {$21000.00} and have been sending my payments back. I also have documentation that the payments were sent and up to date until they changed the payment amount without any notification to me.
|
| 02/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In response to the letter from Selene Finance dated XX/XX/XXXX and CFPB previous case # XXXX I am uploading new paperwork and correcting a few inconsistent statements made by Selene Finance : On XX/XX/XXXX I had written the letter ( hereon attached ) regarding wrong escrow calculations made on XX/XX/XXXX, and I had enclosed proof and correct escrow calculations. I had talked to Selene Finance at the beginning of XX/XX/XXXX and was told that the response to my letter I should expect within 5 business days. As of today, XX/XX/XXXX I did not get any response, on top of all, they DID NOT apply the mortgage payment I had mailed in, basically saying that I did not make my mortgage payment on time.
If Selene Finance is unable to handle and calculate my escrow amount correctly, I am willing to pay my r.e. taxes and insurance on my own.
Please, help me out dealing with this lender as their ineffective ways and practices cause a lot of unnecessary stress.
Thank you XXXX XXXX XXXX direct
|
| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Our mortgage loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX, XXXX and since then we have been charged a {$13.00} fee each month ( plus another one time fee in XXXX XXXX ). We have made all of our payments as instructed and on time using their online portal, which has no fees associated with it. Both of Selene 's customer service representatives that we have spoken to - on XX/XX/XXXX and XX/XX/XXXX, XXXX could not explain the fee, and why were being charged this amount each month. We were told that an explanation would be sent out in 30 days or so via postal service. But the reason we do not want to wait is because of the concerning statement made by the last customer service representative with whom my wife spoke to on XX/XX/2022. The representative stated that " They ( Selene ) can charge us this, or any other type of fee, anytime, and as many times as they want, even multiple times each day, without a reason or justification. I hope this is not true or is it?
|
| 08/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
They had sent me a trial forbearance agreement during the process of my bankruptcy, but the payment was still too much and it was impossible to get a hold of my one point of contact. Their employees make misleading statements to make you think they are helping and they are not. I sent in proof of insurance to get them modify the past due amount and they never responded. Another time an employee named XXXX told me to send the documents to XXXX and they would make the changes there. They are a predatory mortgage lender and their employees are a reflection of their deviousness.
Then, I submitted a loan modification application on XX/XX/23 to Selene Finance and they refused to review saying there wasnt enough time to review it before the auction sale which was XX/XX/23. The opening bid was XXXX and it was sold back to the beneficiary which is Selene Finance. I believe they violated my homeowners rights and they also never posted a notice of the trustee sale on my property.
|
| 06/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Dates are included in the attached document. Actions or " actions '' are described therein, too. The amounts were disclosed in the previous complaint ( # XXXX ). In nutshell, I own house, that is my only home, i.e. I will be homeless if I lose it, that lost a lot of value after 2008, so it is not nearly worth as much as the mortgage on it. The mortgage is not in my name and was not my responsibility, but my ex-wife 's, who abandoned the property and defaulted on mortgage. The previous servicer ( XXXX XXXX ) was negotiating with me the loan modification in my name, until they sold the mortgage to Selene Finance, that promptly put me in foreclosure. They refuse to negotiate with me, and are trying to eschew the mandatory legal process. They are not notifying me, my attorney, or the mediator about their actions, and instead send their decisions to my ex-wife who does not live here, hoping that I will not receive them and respond to them. This illegal behavior MUST STOP.
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Please note that my late mother 's mortgage was sold from XXXX to Selene Finance. I contacted Selene Finance on XX/XX/XXXX via phone @ XXXX, and the company did not have my records. I was told to call bank after the XXXX of XXXX, and I did so, and the company could not find my late mother 's will, death certificate, and POA. I was told to fax this information, and I did so the same day. I received paperwork from Selene Finance on XX/XX/XXXX, and I have tried for over 8hrs to get through to them w/o any success. The former company XXXX was supposed to transfer the mortgage from my late mother 's estate to my name. I have been working on this for over 1yr. The prior bank told me not to make payments while this process was going on, and they kept losing my paperwork. I was getting ready to resend this paperwork to XXXX on XX/XX/XXXX, and I was informed that Selene Finance would be taking over, and XXXX told me to wait to hear from Selene. I can not get through to them.
|
| 11/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have received a response from Selene regarding the CFPB XXXXase numberXXXXAccount # XXXX. Property addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX
I spoke to XXXX XXXX XXXX # XXXX to XXXX on XX/XX/XXXX, I was told that I could stay in forbearance until XX/XX/XXXX.
On XX/XX/XXXX, I spoke to XXXX, and he stated forbearance ended the end of XX/XX/XXXX.
On XX/XX/XXXX, XXXX stated forbearance ended XXXX XXXX.
OnXXXX I sent emails, about starting payment and discussed the deferment option for payment of forbearance monies.
As Selene stated, they believed erroneously that forbearance ended the end of XXXX, and have put a scenario around that saying I did not make payment in XXXX. I can start making payment to Selene now and do the deferment plan in which the forbearance balance can be put to the end of the loan.
I am asking that they correct their records to reflect the above documentation, and we can go on from there with a monthly payment of {$340.00}.
|
| 01/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Dear Sir or Madam : The borrower, and complainant, received a Notice of Intent to Foreclose despite the fact that she has been paying the loan each month in full to the Original Mortgage Servicer, XXXX XXXX XXXX XXXX XXXX. Enclosed please find the cancelled checks.
Upon information and belief, the mortgage account was transferred, without notice to the borrower, from XXXX XXXX XXXX XXXX to Selene Finance LP. Attached is proof of correspondence from the new servicer ( Selene Finance LP ) delivered to an incorrect address of the borrower.
Moreover, Selene Finance LLP has failed to give written mortgage statements of each billing cycle showing detailed information on the current payment amount, payment history, missed or late payments, and for other information. The borrower continues to make payments to the original mortgage servicer due to the current servicers refusal to accept mortgage payments or to otherwise retrieve past funds sent to XXXX XXXX XXXX XXXX
|
| 04/14/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We applied for a Loan Modification Application with our lender over a year ago. We have made payments that we agreed to in the loan modification agreement. In attention we were asked to make some changes to the title. After over year of making the monthly payments in addition to contacting Selene Finance for updates our loan modification application. We were told that it is still in process and once the pandemic hit that the process will take longer than expected. On XX/XX/XXXX we received a notice that the loan modification was denied due to " title issues '' - no further explanation was explained. We tried to call for further explanation and continued to receive the run around over the phone or get transferred to a different department. We are extremely frustrated and confused after waiting so long for a decision that now the case is closed and we are unable to get anyone over the phone to explain to use what " title issues '' are they referring too and etc.
|
| 06/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was trying to obtain a loan modification was the new loan servicer -- Selene Finance. They took over the service of the loan in XXXX of 2022. The prior servicer was XXXX.
Selene Finance LP ATTN : Customer Service XXXX XXXX XXXX XXXX XXXX, PA XXXX I also have a trustee sale date on XX/XX/2022. So I have also requested information to eiher a reinstatement of a pay-off quote. The main issue I am having is their accouting. By my calculations, the alleged reinstatemt amount ( and all prior resinstatement letters ) appear to have miscalculations and are off by {$35000.00} to {$60000.00}! I have sent requests to clarify this alleged accounting errors, but I have not received a reply from Selene.
And, the reply I received from XXXX made no sense. Below are some question I provided to Selene 's Customer Service Reseach department. If you follow the request for clarifications and the prior amounts allegedly due to the lender, you will see the problem I am having.
|
| 08/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have requested that escrow not be held on my loan. I filed the request on XX/XX/XXXX and have yet to receive an answer. I have called at least 4 times without success. I have been told today that my request was denied on XX/XX/XXXX, but I haven't been notified.
I was also told today that I must meet the following requirements for escrow to be waived : - LTV of 80 % ( I originally put 30 % down ) - no delinquencies on my account ( the customer service rep I spoke with confirmed that there were none ) - no loan modifications ( there have been none ) - no previous defaults of escrow accounts ( there have been none ) In spite of trying to clarify these points, my customer service rep was told by her supervisor to stop helping me as this request was denied. As I have no notification of that, I have requested the denial in writing. I was told that I need to file a complaint that I hadn't received an answer to receive an answer. This seems very unethical to me.
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
My bankruptcy was discharged on XX/XX/XXXX. My mortgage was paid in full among completion. I have a XXXX balance based on the discharge, the Notice of Final Cure, and the Lien Release from Selene Finance. I already filed a complaint with the CFPB. The complaint # is XXXX. Selene acknowledged that I do not owe anything to them. They sent me a letter with the mortgage lien release and the response to the CFPB. My credit report is showing that I owe a balance of {$11000.00} & I was past due over 180 days. I spoke with Selene & was told to file a dispute and that they would fix the error. I filed a dispute with XXXX on XX/XX/XXXX and Selene responded on XX/XX/XXXX and just added notes to the account that I owe {$11000.00} and have been over 180 days past due over 4 times. Please assist me in fixing my credit report to accurately reflect that I have a XXXX balance and have not been past due for over 180 days. I paid the morgage thru the XXXX XXXX Bakruptcy.
|
| 08/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Received Trial modification documents from Selene Finance the modified payment is {$2500.00} monthly 1st payment XX/XX/2021. This modification was not based on my income then I received a few days later mail stating my 1st payment would start XX/XX/2021 I'm confused does the mortgage company know what they are doing??. Selene has set a property foreclosure sale for my home XXXX 2021. Selene is refusing to assist me with keeping my home I have spoken with customer service several times they tell me when I call in they don't see my request for assistance or they don't see my account. Received letter stating a credit decision was made to not reduce my mortgage payment because of information received from my XXXX credit report.
Mortgage assistance is not suppose to be based on credit I've read. I have been in bankruptcy because of being affected by Covid19 and my husband left me over 2 years ago. I don't want want to lose my home to foreclosure.
|
| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On or about XX/XX/XXXX our loan was transferred to Selene Finance, LP. I had filed bankruptcy back in XXXX and didnt re-affirm the dept therefore I am still on the mortgage but not responsible on the Note. From XXXX XXXX my mortgage never showed up on my Credit Report as me being liable for the Mortgage. As soon as Selene Finance took over they reported this loan to XXXX and showed up on my credit report that I have a mortgage to XXXX which made my credit score drop XXXX points. I have sent them email about this and called them. One representative told me that they didnt report it and they wouldnt due to the bankruptcy. I sent them the proof that they did and now I got an other representative that was useless and could not help said it would have to be researched. They're also not supposed to charge any late fees due to the bankrputcy and they seem to be a little unclear on this as well.
Any information or guidance would be appreciated.
|
| 06/02/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Servicer, Selene Finance ( Selene ) provided a mortgage statement dated XX/XX/2023, for my homestead property. This statement alleges a past due balance of XXXX. I am requesting that Selene produces written proof of how this total was derived ( i.e. periodic due dates and amounts, etc ). The statement also appears to reflect monthly escrow payments due in the amount of {$530.00}. In XX/XX/2023, I provided copies of property tax and homeowner 's insurance installment payments for the previous 2 years. In XX/XX/2023, I spoke with representatives at Selene and advised them of the pervasive error and reiterated that I have attempted on numerous occasions to have the accounting corrected. Although I have provided proof on multiple occasions that I pay my own homeowner 's insurance and property taxes, it is not being reflected on escrow statements and/or proofs of claim received from Selene or any of its predecessors ( XXXX, XXXX, XXXX. XXXX ).
|
| 01/04/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I tried to stay current on my mortgage during the pandemic however I fell behind in XXXXXXXX XXXX. My loan was transferred to Selene finance and they put me into foreclosure. I have an FHA loan and Selene did not tell me assistance was available. They did not offer me any assistance nor did they inform me of the programs that FHA had put in place for homeowners like myself. Every time I tried to get information regarding the FHA partial claim or recovery modification I was told I had to send in an application with full documentation. I am now in foreclosure and incurring fees and lawyer costs without even being informed that I could have gotten a streamline through FHA and been helped. I think Selene has violated the CARES act by blocking me from assistance and then putting me into foreclosure. The COVID pandemic was horrible and I do not think I should lose my home. Especially if there is available assistance and Selene blocked it.
|
| 06/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX XXXX Selene did not pay XXXX for our home owners insurance from our escrow. They then charged us for their own fire insurance.
I paid XXXX to have this issue fixed before we were in insurance default and our policy was active. Selene reimbursed for the XXXX insurance but not the charges for their fire insurance.
This is happening again Selene has not paid XXXX from our escrow and our bill was due on XX/XX/XXXX. Insurance will be in default on XX/XX/XXXX.
Selene is nit cooperating when we have faxed and 3 way called and made numerous calls to check the status of resolving this issue. Selene has said I am NOT ALLOWED to pay my insurance bill myself. But I want and paid for XXXX through my escrow which they don't seem to be able to handle.
I get no response but transfers to an automated insurance line when calling to verify if they have processed the payment out and XXXX says they still have not received payment.
|
| 11/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
In the process of selling my home my mortgage was sold without my knowledge. The mortgage was sold from XXXX XXXX to Selene Mortgage company on the day the property was sold. The check was sent to XXXX servicing on XXXX XXXX and they sent the check to Selene. Selene cashed the check on XXXX XXXX in the amount of {$90000.00}, this was the total pay off amount. Selene has yet to apply the total to the outstanding balance. I have received SEVERAL collection phone calls over the past 90 days. And have spent countless hours on the phone with them trying to resolve the issue. I have requested 5 times to speak to a manager and it is not allowed. They always tell me that someone will get back to me within 24-48 hours and they never do. They owe me {$220.00} of {$11.00} a day in prepaid interest ( 20 days ). There has been activity of payments made to the account and then retracted. I need help finding my {$90000.00} PLEASE HELP!!!!
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We did a loan modification in XXXX. Selene finance told us we had to give the notary a cashier 's check to send in with our signed paperwork, which we did. We were told this was for the XXXX payment.
We were so excited!
We made our XXXX payment in two parts ( ahead of the due date ) and made sure to ask them if we could do this. They said it would be fine and the partial payments would be applied to the amount due for our XXXX payment.
We tried to make our XXXX payment and they are saying we are behind because the XXXX payments were not properly applied to our account.
Not our fault as we verified all of this.
Now they are trying to state they never received the cashier 's check for the XXXX payment, which we have proof of it being deposited to THEIR ACCOUNT.
They are trying to make us late on our payments when we have not been and will not be. We have worked tirelessly to resolve what COVID did to our family.
|
| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The companies we are dealing with is Selene Finance the mortgage servicer and the investor XXXX XXXX in XXXX XXXX XXXX. My complain is the delay in modification decision and the time line for response. The document received from Selene Finance was dated payment expected by XX/XX/2021 we received documents Via mail on XX/XX/2021 XXXX with a week to respond to the trial Modification 2 months after promise date of Modification.
The amount Selene Finance is stating for 90 day trial is XXXX with no explanation as to what the funds would be applied to in writing. We are still not sure who holds the mortgage and if this not a charge off mortgage that they are trying to collect on the original mortgage was held by XXXX XXXX. XXXX was appraised condition is fair House has flooring and roofing problems ceiling cracking the value was not up to area comp sales condition of House is poor. Things that need to be repaired total XXXX.
|
| 08/11/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The monthly payments are automatically debited from my checking account. I have proof that I've made the monthly payments. The most recent statement effective XX/XX/2022 shows that my mortgage loan is {$13000.00} past due. The mortgage was transferred from XXXX XXXX XXXX to Selene Finance LP on XX/XX/2022.
I sent proof that the payments were made by sending XX/XX/2022- XX/XX/2022 bank statements to indicate that the payments were automatically taken out of my account. The information was sent to them certified, return receipt requested. It was sent to them on XX/XX/XXXX or XXXX. The postal worker stated that Selene would receive it by XX/XX/XXXX. It is now XX/XX/XXXX and supposedly no one has received it.
I need IMMEDIATE help to resolve this issue. After a phone call with the new servicer she is now saying that it was for months before because she miraculously show that the XXXX - XX/XX/2022 payments were made.
|
| 06/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Received foreclosure sale letter from foreclosure attorney for my property. How do you receive a foreclosure letter when your Bankruptcy has not been dismissed. I was forced to file bankruptcy because I was hospitalized and shortly after I was released from the hospital my husband was hospitalized with a massive XXXX XXXX. We both have been affected by covid-19. My mortgage servicer has refused to assist us with mortgage assistance. we have been given the run around and misleading information. Spoke with Selene Finance customer service because I sent them request for mortgage assistance with our financials XX/XX/2021, I was told the documents were received but the file was closed because it was not 37 days prior to foreclosure sale date. I asked how could they close my file when I was still in the bankruptcy? Her response was Selene was unaware I was in a Bankruptcy???????
We don't want to lose our home Please Help
|
| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Good day I did not see a category for not being able to learn who owns my mortgage.
I have sent many qualified request to Selene Mortgage who services my home loan.
These request were all sent overnight and with tracking for conformation of delivery.
I believe the last one was sent on XX/XX/2022 and while they has ten days then did not respond to late XX/XX/2022. I believe that this information must be provided when requested properly. On each letter I made it clear that this was a RESPA request and a qualified request. Each request was sent to the correct adders for errors and omission which is the address for these types of request. To date regardless of letters and request Selene will not provide me this information which I am legally entitled to under federal law.
Phone representatives have informed my that even with said written request that this information will not be provided which is very disturbing.
|
| 08/21/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance information is inaccurate and holds no merit and the total amount was not {$18000.00}. The owner and holder of the loan was XXXX XXXXXXXX XXXX XXXX. This Government Agency held my loan from XX/XX/XXXX to XX/XX/XXXX which is the payoff date. Selene Finance did not own or was the holder of the loan. Attached to this complaint is the legal document that is certified and notarized as evidence, XXXX XXXXXXXX XXXX XXXX, SATISFACTION OF MORTGAGE NOTE AND LOAN MODIFICATION AGREEMENT. Let me reiterate that this loan was owned by a Government Agency and was not held by Selene Finance. Therefore Selene Finance can not contest a legal dcoument that has been filed with the XXXX XXXX XXXX XXXX. In XXXX, Selene Finance did not have any authority to offer any modifications because legally Selene Finance did not own the loan and there was already a modification in place though XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX.
|
| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
1. I was in a Covid-19 forbearance plan with XXXX Mortgage.
2. I asked XXXX umpteen times to place my account on a repayment plan, to no avail.
3. XXXX sold the servicing rights to Selene Finance LP.
4. Selene Finance reported late payments to the three CRA 's.
5. Selene Finance initiated a foreclosure proceeding.
6. I reinstated the loan and brought it current.
7. My new account 's online portal has hidden information with added fees that does not disclose nor explain what the added fees are for.
8. My escrow balance is incorrect, as I have double-paid my property taxes : to the county and to the Re-instatement Amount.
9. My credit score is damaged, as they were not supposed to report lates for those who are/were in a Covid-19 forbearance.
10. Similarly, my new payment due is {$400.00} more than usual, and I will be reluctantly paying it because I feel as though I'm being coerced into doing so.
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Selene Finance refuse to adequately report monthly payments to ALL credit bureaus which lowers the consumers credit score and make it difficult to refinance away from this company. I have contacted the company more than 10 times respectfully requesting them to report, AND update my credit reporting by submitting on time payments. This is the list of missing payments.
XXXX Monthly Missing Payments : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX Monthly Missing Payments : XXXX, XXXX, XXXX ONCE again please report payments to ALL credit bureaus. What Selene Finance does is send a lengthy letter explaining the history of my mortgage and NEVER correct the reporting. This is hindering my score to improve which enables me from refinancing. If this continues to damage my credit score I will have no choice but to seek assistance legally. I can not refinance with this negative reporting. So unfair to a consumer..
|
| 05/24/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied with Selene Finance for a covid-19 forbearance, after the forbearance was up I went ahead and applied for a loan modification, I submitted all documents through emails. i have sent all the required documents, every time I called for an update Selene finance request the same documents that sent less than a week ago, they get confused with my loan number they even call me a different name, looks like they are in a different file asking me for the same documents I have sent. this is very frustrating because i have proof of email been sent to Selene. they are very upset they sound like they don't want to help me at all. every time i tried to explain that the documents were sent they fight with me over the phone inserted of searching for the document. my intentions are to keep my property is the only one i have, Selene finance is doing its best to not help, by ignoring my emails and phone calls
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My Mortgage company, Selene Finance LP, says they issued an Escrow Refund in the amount of ~ {$10000.00} in XX/XX/2022. However, I only received {$5800.00}.
Additionally, they are withholding {$2800.00}, as of XX/XX/2022. I am owed almost {$7000.00}.
The agent on the phone told me it would be another two weeks for this to be resolved and that I should make the full payment this month and then ask for another refund next month when the correct payment amount is reflected on my next statement, due XX/XX/2022. This is ridiculous, asking for money upfront that they will then turn around and refund me. This is very suspicious activity, fraudulent maybe? Such Deceptive tactics by this company to transfer you to multiple departments with no resolution and charging you extra knowing your payment should be lower and holding customers money to make interest off of customers ' earned money.
XXXX XXXX
|
| 11/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
When we went into forbearance we were with XXXX XXXX, now we are out of forbearance as of XX/XX/XXXX and are with Selene Finance. We have talked to them and said that we would like restart payments for house as the same payment previously, with the amount in due from forbearance {$6500.00} deferred to the end of the mortgage payment. This is one of their options listed for coming out of forbearance. We have not been able to start this and they have sent certified letters to the address, not our billing address which are different locations, which talk of foreclosure.They have sent full application for a mortgage to us. We would like to make payment, monthly amount that we paid regulary before, and we have left 4 messages, sent emails,2 times, and called several times over phone trying to do this to no avail.
They have not honored the choices that they put on web site to come out of forbearance
|
| 03/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I had my trial modification plan that started on XXXX XXXX in the amount of {$6000.00} with Selene Finance LP and my monthly payments was in the amount of {$2100.00} was made every month and on time. I was never late with a payment.
My account has been transfer to XXXX XXXX XXXX as of XXXX of XXXX. I have been trying with no response from Selene Finance LP to get all my payments and all my 1098 taxes for all the following years such as XXXX, XXXX, XXXX, XXXX and XXXX and only would get every years but XXXX. Selene Finance LP is telling me that I didn't make any payment for the year of XXXX which is now causing me a very bad hardship with the IRS paying back taxes that was paid along with my mortgages payment in amount of {$2100.00}. I would like to know what happening to all my payments for only that year XXXX.
Please, please help me with this matter I am so hurting from this problem.
|
| 02/06/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
This company sold me on a mortgage modification. On XX/XX/20 I paid them {$1300.00} was my first full payment after giving them a {$500.00} deposit. Went on the FTC website and found out that it was illegal for them to take money from me until a mortgage was confirmed. I sent multiple emails providing FTC information and asked that money be returned. I left many phone calls and sent text messages to XXXX ( no last name ) and XXXX XXXX ( Billing ). Email messages sent to XXXX XXXX with many phone messages left with no return calls. My mortgage payment record has been perfect up to this date for the last 4 years and I informed them of this early on. They should be accountable for bringing my account current, including any penalties and late fees and report their negative business to the credit bureaus. I can produce copies of emails and text messages as well as proof of payment XXXX XXXX
|
| 05/17/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The loan was with XXXX XXXX XXXXXXXX and then about 1 1/2 ago this bank called Selene finance company took over my loan and I have been trying to get a modification for about the last year and I have not been able toso they have filed for foreclosure on XX/XX/2023 I have filed the mediation paperwork for mediation I have not heard back from anyone yet and today is XX/XX/2023 my address is XXXXXXXX XXXX XXXX XXXX I have also applied for assistance with Nahac and they denied my application after what until I was passed due in an amount that they would not cover I have not heard nothing from this bank that is supposed to be carrying the loan at this present time me I feel like there is type of fraud or something I literally am asking for assistance with my home I have been in this home for 16 years and I cant seem to get any assistance.. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Nevada
|
| 09/19/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
So I got a copy of of my payment history from XXXX XXXX XXXXXXXX and its showing some type of like corporate advances and stuff like that for XX/XX/XXXX. However the loan was transferred XX/XX/XXXX so it doesnt make sense why theres still activity in XXXX XXXX XXXX and with Celine finance Ive tried to do a modification Im not getting any correspondence from them also Ive asked him for payment history they dont have anything like that. The one was just transferred in XXXX. They have not been able to do a modification or help me include a home is in a foreclosure status, which is very weird, Im trying to get some assistance and I can not and I need some help. It seems like some type of fraudulent activity is going on. I would greatly appreciate if you guys could look into the situation from XXXX XXXX XXXXXXXX to Celine finance and help me out I would greatly appreciate it. Thank you.
|
| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
WHY HASNT THIS HACKER FACED CRIMINAL CHARGES ALREADY! I SHOULD NOT HAVE TO LIVE LIKE THIS HAVING TO BE CONSTANTLY HARASSED AND DISCRIMINATED AGAINST BY THIS HACKER THAT HAS STOLEN FROM ME ANS IS CONTANTLY TRYING TO STEAL THE DEED TO MY HOME!
THIS HACKER IS STILL ILEGALLY HACKED INTO THE PUBLIC LIBRARY SYSTEM WHERE I AM USING A PUBLIC COMPUTER AND NO ONE IS DOING ANYTHING ABOUT IT11 THIS IS AN ILLEGAL CYBER CRIME! DO SOMTHING ABOUT IT ALREADY AND AMKE THIS HACKER FACE CRIMINAL CHARGES ALREADY! HE IS HACKED IN ILLEGALLY RIGHT NOW AS I SEND THIS COMPLAINT IN!
WHEN YOU SEE THE ATTCHED ON THE COMPUTER OR LAPTOP HERE THAT MEANS HE IS HACKED INTO THEIR SYSTEM AND ILLEGALLY COMMITTING A CYBER CRIME! HE NEEDS TO FACE CRIMINAL CHARGES ALREADY!!!
THIS HACKER NEEDS TO FACE CRIMINAL CHARGES! THIS HACKER NEEDS TO FACE CRIMINAL CHARGES! WHY HASNT THIS HACKER FACED CRIMINAL CHARGES ALREADY!!!
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage servicer refuses to properly apply my payment.
A payment was sent for {$4200.00} on XX/XX/XXXX. After speaking with one of the agents I found that it was short since my escrow was adjusted. I then sent a payment of {$200.00} on XX/XX/XXXX. Instead of applying this payment, the company returned it to me.
On Friday ( XX/XX/XXXX ) I spoke with XXXX in customer service. I made an additional payment over the phone for {$200.00} to ensure it was not returned and applied to my account.
Today, I checked my account and it still shows it's past due as the {$4200.00} that was paid in XXXX has not been applied to the account. I can not express how deeply frustrated I am by this company 's continued competence.
I called again today on XX/XX/XXXX and the agent I spoke with, XXXX, said this case was too complex and he could not help me and needed to have someone call me back.
|
| 02/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My husband and myself went into default on our home and it went into foreclosure status. We called our mortgage company and asked what It would take to bring our home loan current and to reinstate it. We wanted everything, the late fees, all of it. They sent me a letter with the exact amount to get us caught up through XXXX of XXXX. We paid it to Selene Finance at the emd of XX/XX/. We had a receipt for that amount. We recently got our mortgage statement in the mail, and tacked on to our regular mortgage payment was an extertainius fee for {$2600.00}. I called them and asked what was going on, because that shouldn't be on there and the person could not get a supervisor to talk to me all she said she could do was give us me a list of the breakdown of the fees. I said there is no way I'm paying these fees since you all already gave me a reinstatement letter, and we paid it.
|
| 05/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage payments with Selene Finance increased from $ XXXX to $ XXXX after the XXXX Escrow analysis. I requested Selene Finance to detail the Escrow analysis and explain where all my payments went during XXXX. They never answered, so I reached out to CFPB to hold Selene Finance accountable. Selene Finance have since reduced my payment to {$1800.00} ( with no explanation ). I also I requested in writing from Selene Finance REMOVAL of my Escrow account to prevent this in the future. I also spoke with Selene over the phone and they said the escrow would be removed in XXXX hours and to call back to make payment of Principal and Interest ( P & I ) only. When I called back they talked in circles. So this is a Follow up to be sure Selene Finance understand I want the Escrow Removed from my account AND a refund for the money paid into Escrow to date in XXXX.
|
| 04/06/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I Bought a property in Florida in 2017 but not too long after that I paid it off in less than 3 years, I guess the finance company didnt expect me to make that decision so Quick, Cuz they were the Second Mortgage company who took over the first Deal, so after probably 3 or 4 months I get Contacted by a creditor asking me for money & I told them that Mortgage has been paid off a long time ago.., I Didnt hear from nobody for another 3 Months, all of over the sudden a different creditor called me, saying the same things, Now I have asked this one proof of the First Mortgage contract & all the payments History Ive made. Just like that I didnt Hear from anyone, until a year later, So I ask them the same thing, but they never provided me ANYTHING. Now Ive seen them report me to the Credit Bureau & that affected me big time and I wanted it to be remove..
|
| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance failed to make my insuracne payment despite monies for insurance payments being made into escrow account. Upon renewal day for my insurace I recieved a call from insurance company that my policy was being canceled. I had to pay {$10000.00} on the spot to aviod cancelation. There is currently over {$16000.00} in my esrow account with my taxes due in XXXX being around {$7000.00} XX/XX/22 - spend 4 hours on the phone with Selene only to be told nothing could be done XXXX - spend 3 hours on phone with Selene to be told that in fact I was corrent, insurane was actually escrowed XX/XX/22 - recieve voice mail from selene stating " information has been updated and we will make your payment for you next year '' XX/XX/22 - Call Selene to ask about getting refund for extra escrow money being held. Unable to get anyone helpful on the phone
|
| 09/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I settled my mortgage dispute with Selene a year or so ago and as part of the agreement which I will include with Selene was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from Selene should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations.
XXXX also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! XXXX XXXX system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with XXXX.
|
| 08/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My property taxes are behind. XXXX XXXX : XXXX, Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sheriff served me on XX/XX/XXXX, by leaving a letter on my mailbox on XX/XX/XXXX.
XX/XX/XXXX I called the Sheriff and they said my property tax balance was {$12000.00}. My taxes were paid by a company named XXXX XXXX I called XXXX and they told me that I was approved to call XXXX. I called the servicing # and I left a voice mail yesterday. The Sheriff advised me that I can get on a payment plan. I pulled the property taxes from the Tax Commissioner website. This information had not been here over the past 6 years. On the Tax Commissioner website, they said they were sending it to my old XXXX address. I have been living on my home since XXXX after coming back from XXXX in XXXX. I have not lived at this old address since XXXX.
|
| 09/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance is claiming theyre owed a debt And theyre trying to collect without going through the proper administrative process to validate their claims. I sent them validation correspondence via certified mail number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and havent received any proof from them I owe them a debt. I also sent their attorney ( XXXX XXXX XXXX XXXX ) a validation request via certified mail number XXXX XXXX XXXX XXXX XXXX and havent received anything from them either to validate their clients claims that I owe a debt. They issued a new account and stated the loan is 120 days past due and opened a new trade line on my credit file on XX/XX/XXXX illegally. They are also sending monthly statements trying to collect with erroneous billing information ( outstanding principal balance, deferred balance and interest rate )
|
| 11/01/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My loan has been in the modification status since XX/XX/2020. My payments have been made on time up until this month. The mortgage company reported on time payment every month except XXXX/XXXX even when they were paid the first of every month. I tried for two months to contact someone and to no avail you can not speak to anyone. I sent emails and called the company and nothing has changed. The company corrected one month and then posted late the following two month. With this reporting my credit score has dropped 50 points and this will prohibit me from refinancing in the future. I take full responsibility of all late payments prior to the loan modification due to being laid off from XXXX XXXX after 27 years. I am looking for your assistance in any way you can. Hopefully i can get this resolved quickly Thank you XXXX XXXX
|
| 11/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
My daughter has been trying to help me apply for a loan modification as my wife passed away and Covid I fell behind in my payments this was in XX/XX/XXXX since then I have been turning in documents and they send me a letter they need more documents they wont take my payment because they said I am in a modification and the balance is now XXXX they increased my monthly payment without notifying me. I cant reach a live agent then I spoke to XXXX XXXX and he said they dont need a profit and loss for me cause I am retired. On XX/XX/XXXX they sent me a letter which I got on XX/XX/XXXX. They denied my modification because all docs were not provided. But due to Covid its taking more time to get the deed they need now we are denied and cant get to a live person Im also a vetern and worried I will loose my home please help.
|
| 04/20/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
To Whom It May Concern, I am writing to you regarding my mortgage with Selene Finance. I received a letter from XXXX XXXX stating that were cancelling my homeowner 's insurance on XX/XX/2020. I called Selene Fiance a week later to report that I am no longer using XXXX XXXX for my homeowner 's insurance, and I have a new contract with XXXX XXXX. Selene Finance renewed that policy with XXXX XXXX without my consent. XXXX XXXX and my self have reached out to Selene Finance regarding my homeowner 's insurance on several occasions with no resolution. XXXX XXXX has informed me that I have until XX/XX/XXXX before they cancel my policy. I am asking Selene Finance to change my homeowner 's insurance to XXXX XXXX immediately. I would also like for my mortgage to be reported to all credit bureaus.
XXXX XXXX Loan Number XXXX
|
| 06/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I made a payment to Selene Finance ( XXXX ) from my business checking account for a mortgage payment of {$1500.00}.
I have been in contact with the company since Thursday XX/XX/XXXX. I have made several calls requesting a receipt of payment.
My last call was with a XXXX XXXX on XX/XX/XXXX he made it evidently clear to me that while he acknowledged the payment was made and recorded he can not provide me with any receipt or proof payment. He told me that there was nothing more that he can do.
As a consumer, I should have received a receipt of payment and it should be an easy process to provide a record of payment when requested.
I notified the company that I would contact federal regulators and initiate a compliant.
I will drop the complaint when I receive the aforementioned receipt of payment.
|
| 03/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance bought my mortgage from XXXX XXXX XXXX who was my original bank since 2001 few months ago. I was hospitalized for 40 days due to some illness and I am behind in mortgage for 47 days. I scheduled for the full payment due by end of this month and I have explained the situation to the agents who processed the payment for me and provided with a confirmation number.
I received a letter today from selene finance via certied mail threating to foreclosure on the property via certiied mail.
My property is my primary residence for myself and the family. The Market value of the property by county is about XXXX and mortgage balance is about XXXX.
I feel selene finance is not acting is good faith of thier client and it's bad or illegal business practice.
C : New York State, Attorney Generals Office.
|
| 06/15/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
My parents took out a HELCO loan with XXXX XXXX XXXX in XXXX for property that was in the XXXX family trust in XXXX Nevada. Fraud occurred in by an XXXX agent ( XXXX XXXX XXXX ) and police reports filed. XXXX XXXX XXXX suspended payments until court adjudacation. XXXX XXXX also stole money from my father 's annuity however XXXX XXXX refunded money and terminated XXXX XXXX.
Both parent XXXX are now deceased ( XXXX XXXX ) and XXXX ( XXXX ) All copies of family trust, death certificates, police reports and authorization that I am successor trustee has been provided repeatedly to B of A. They sold the HELCO loan to XXXX in XX/XX/XXXX. I have called every week and XXXX will not speak to me only to my late father. At the same time, they are charging interest every month yet will not let us settle the case.
|
| 01/31/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I made a prior complaint because selene mortgage was requiring documentation for my covid forebearance agreement. They agreed that this was improper and sent me a letter stating I qualified for 6 more months of covid forebearance on XX/XX/2022. I replied with an email and a phone call requesting this 6 months. On XX/XX/XXXX they mailed me a letter requesting documentation not required by covid forbearance. I called and the guy on the phone says my forebearance was denied and I must give documentation. I told him that if my covid forebearance is declined then I want to make arrangements to continue payments as per the cares act covid program that does not require documentation since covid affected income. He refused to comply with the covid program. Im requesting help with this matter. Thank you!
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX Consumer financial Protection Bureau This is regarding my mortgage with Selene Finance I logged into my account this morning and i see I have XXXX late fee due with my XX/XX/XXXX payment I called XXXX and they were unable to tell What this is XXXX
I already payed a XXXX corporate fee with my XX/XX/XXXX payment ( explain to me for what and when was this corporate fee for?? I want proof that what you said Was done was actually done ) I already payed a XXXX NSF fee I was told my late fee that I received for making my XX/XX/XXXX payment was waived.
They just keep on adding on fees with out an explanation and when you call them the CUSTOMER service rep says " they dont know '' XXXX please answer the following who is my investor??
And is my loan A government-backed loan??
Thank you
|
| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I currently have a mortgage with Selene. I had fell behind in payments and Selene was playing games working out a payment plan so I filed Bankruptcy. So I went through years of making my bk payments and now that I am through and my bk is paid off and have received my discharge. I have worked on my credit and have a score of about 750. So it is time to get out of that 7 percent loan with Selene but however they will not give me my monthly mortgage statement. They said for some reason my statements are not being generated and nobody seems to understand why. I have made many verbal request for my monthly statements however to no avail. I need to make sure my payments are being properly applied. Im trying to refinance and need two past statements but Selene is failing or refusing to give to me.
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account SELENE FINANCE LP # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and A Opened XXXX, XXXX XXXXXXXX XXXX XXXX XXXX inquiry, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX have violated my rights pursuant : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance
|
| 07/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was not allowed to talk to a person before I lost my home to foreclosure. However they sold my account to Selene Financial after the fact my home was auctioned off and after the fact that the new owner was awarded the land. However I tried several times to talk to someone to assist me with modification or other options. They also failed to comply and go by state of North Carolinas regulations and guidelines by the state and Covid-19. Also I received no response to the assigned manager over my account on 2 different times that I had reached out to resolve the matter. And when I did get to finally speak to a actual person then I was told it was to late to do anything being my home would be auctioned in 3 days. However they could of made it possible I know and I have read up on this myself
|
| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My Mortgage was sold to Selene Finance in XXXX. We had a payment returned and since then they will not accept any payments that are not verified while continuing to charge late fees. I do not have access to my online account due to the returned payment. I have requested several times to have the verified funds requirement lifted and I keep getting " its getting reviewed ''. I asked how they can change aspects of my original loan ( payments, late fees, and required payment types ) and the response is its our company policy. I have stated that this is the first time that anything like this has changed with a new servicer their response is " Its our company policy ''. Last Friday I was yelled at and hung up on twice by the same customer service rep. Can they change items in my original loan?
|
| 05/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX ( XXXX hours ago ) to XXXX Hello, We have a situation. According to Selene Finance I did not pay my XX/XX/2023 mortgage payment. That is simply not true. I used the the phone system to make XXXX payment but it was not picked up by your in-house system.
At any rate, it's updated now. HOWEVER, Selene Finance didn't bother to notify me by phone or email and sent my delequince to the credit score companies which caused my XXXX score to drop by more than XXXX points. Very un-cool when all you had to do was pick up the phone for a XXXX minute phone call. ( My XXXX XXXX was in the high XXXX 's ) I would like Selene Finance to remove the late payment from the three Credit companies.
Give me a call if you would like more info.
Thanks XXXX
|
| 11/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have received a letter from Selene Finance regarding the servicing transfer.
This is the only document I received from them. I received this on XX/XX/XXXX. I used the coupon in the document and pay the XXXX payment.
They have been calling me and tell me I am late on the payment, which I am willing to pay. However, I have never received a statement or payment coupon for me to use.
I have requested my mortgage statement and payment coupon for four time, and all their customer services told me they have put the note in.
First time was requested on XX/XX/XXXX XXXX XXXX PT by phone.
Second time was requested on XX/XX/XXXX XXXX XXXX PT by phone.
Third time was requested on XX/XX/XXXX XXXX XXXX PT by phone.
Fourth time was requested on XX/XX/XXXX XXXX XXXX by email.
|
| 08/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Their website does not allow for homeowners to indicate where funds should be assigned to. I have been paying a little over my monthly dues and as of today my principals has not changed, I'm seeing a negative escrow answer when I asked to speak to some today, XX/XX/15 @ XXXX ( XXXX ) I ended having to deal with an arrogant, immature representative who placed ne on a long hold so that I could hang up. This is always the situation with Selene. Their Representatives are rude, disrespectful and never want to assist. I would like a payment analysis and an escrow analysis as well as a principal analysis as I have strong feeling that they are not putting any money towards my loan. When I asked the representative to plenot speak over me and to allow me to speak she hung up the phone.
|
| 11/14/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been on a financial hardship Forbearance plan due to Covid-19. The forbearance has expired on XX/XX/20, for the past 3 months prior to the expiration date, I have been in touch with the loan servicer Selene Finance to find a resolution to the forbearance. They asked me what type of income do I have, I told them that I was getting unemployment, I was told that unemployment is not considered an income. Therefore I am not a candidate for any resolution. Early in XXXX, I requested a 6 months extension of the forbearance I was told to send in a hardship letter which I did, and now they are requesting two paystub and two months off bank statements. I feel that they are playing a game so that I can place me in a vulnerable position for them to foreclose on my house. Sincerely
|
| 05/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
They are not accepting my payments. They accepted payment, and then reversed it. I am currently 55 days behind and have XXXX more payments scheduled, but they are a frad company with lots of hits for scams. They are going to try to scam me and they need to be stopped. I have no clue why they reversed my payment. The funds are in my account. They should have payment now made last week, but still show as not paid. The don't accept XXXX, so my online bank has to mail a check which has been done and then I have to wait for them to deposit said check which they have not done. They are a scam. My loan was recently transferred to them, I did not ask for this. I only owe XXXX on my home and do not need this aggravation. Shut this scam company down before they hurt more good people.
|
| 10/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Received a letter from my mortgage servicer Selene Finance stating my mortgage assistance request and mortgage assistance was appealed, because of credit information received from XXXX credit bureau and other credit reporting bureaus. The mortgage assistance request was denied. I have read in my research the servicer or bank is not suppose to deny mortgage assistance because of credit. Selene Finance customer service and staff do not know the government requirements for mortgage assistance, It appears to me Selene Finance do what they want to do and will not apply the law. I have been affected by XXXX and my health was compromised.
I am resubmitting my request for mortgage assistance, I have received several denials, each denial denial reason is different.
See Attachment
|
| 03/19/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was with XXXX XXXX XXXXXXXX and was sold to Selene finance. My terms and payments were not supposed to be changed. The only thing that Selene said was changing was the payment address. My mortgage with XXXX XXXX XXXXXXXX was {$900.00}. At one point XXXX said the payment was {$750.00}. After a few months XXXX started sending my billing statements for {$8800.00} a month. I have called since this happened and nobody can explain why. XXXX will also not accept any payments lower than the {$8800.00}. I call XXXX a few times a month and nothing ever gets resolved. Now they are wanting to foreclose on my home. I pay my own homeowners insurance and taxes. At one point they said they were adding their own insurance. I never had an escrow account with XXXX XXXX XXXXXXXX.
|
| 08/22/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I did a home refinance in XXXX of XXXX, I lost my job in XXXX of XXXX. We tried to keep up with the payments but couldn't. Tried numerous times to get help or s modification but kept getting the run around and never received any halo at all. They over qualified me for this loan to begin with now they filed foreclosure in XXXX and it was at that time we noticed there were forged documents in the closing documents. Nobody would listen so we have been fighting foreclosure since XXXX. The servicer won foreclosure in XXXX of this year XXXX. They said there was a sale on XX/XX/XXXX, which we were not notified of and the same lender is now the owner, doesn't sound right to me. We don't want to loose our home but this needs to be corrected somehow since it is illegal.
|
| 11/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Selene Finance took over service of my loan in XXXX. Loan # XXXX. I was previously in Chapter XXXX Bankruptcy that was discharged in XXXX. Selene Finance refuses to acknowledge the bankruptcy discharge despite my sending documentation from the courts. They have refused to communicate with me regarding details of my loan without hiring an attorney post discharge of the bankruptcy. I was required to pay an attorney to get a payoff amount. I have paid off the mortgage and now have not received the mortgage lien release. I have been advised by customer service that I need to hire the attorney again. I have not been represented by an attorney since XXXX. I fully consider their actions to be predatory. I I have to hire an attorney again, it will be to file suit.
|
| 02/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Attached are 5 documents that require responses from Selene Finance : 1. Selene Finance Tax Form 1099-A - Acquisition or Abandonment of Secured Property - Selene Finance acquired my home on XX/XX/XXXX. I received no notification to show up to court prior to acquisition of my property & Selene Finance ignored XXXX XXXX effective until XX/XX/XXXX.
2. Mortgage Balance- is my mortgage balance {$180000.00} or {$120000.00} or {$110000.00} or {$100.00}, XXXX as of XX/XX/XXXX?
3. Property Not Vacant Notification sent to Selene Finance in XXXX ( certified mail/return receipt ). This letter serves as written notification that the property is owner occupied and NOT vacant/abandoned.
4. XXXX XXXX filed by Selene Finance for repairs I did.
5. Documents Requested
|
| 02/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I just got a copy of the Modification that XXXX sent to Selene that Selene then rejected, and their Rejection comments XXXX ) XXXX had the Modification from XX/XX/XXXX till they sold the loan in XXXX why didn't XXXX contact me and tell me they need to correct the Modification that I had sent back?
XXXX ) Why did it take so long for XXXX to find and then reject this modification having had it since some time in XXXX and not finding it till XXXX XXXX ) Selene still has still not done an accounting and dumped all the money due under the Cares Act back on to the me from the loan burying me deeper into dept.
XXXX ) I have applied for a HAF Loan with Georgia explaining to them the urgency of the situation with a pending Foreclosure of XX/XX/XXXX date
|
| 05/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My previous mortgage company XXXX XXXX sold the account to Selene Mortgage in XX/XX/2022. On XXXX22 I received a bill from Selene Finance indicating Corporate Advance Fee Breakdown for transaction date XXXX22- {$75.00} ( Prior Servicer Corporate Advance Fee ) and XXXX22 - {$20.00} ( Property Inspection ). The Property Inspection fee was disputed and credit to my account. The {$75.00} for Prior Servicer Corporate Advance Fee is still on my account and now showing as over due. I am not responsible for fee being that I did not ask for a re-finance or a transfer of mortgage company. Any fees that transpired during this sale of mortgage accounts is solely on both companies. The account holders did not ask for a re-finance or a transfer of mortgages.
|
| 06/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
After numerous issues over 60 days with Selene Finance, they sent me a payoff quote, which I paid. I had no choice. After requesting payment history for same 60 days, which Selene refused to provide, CFPB got me the payment history. As Selene had already given me the payoff quote, they had no choice but to match numbers to this quote.
I have used every possible combination of calculating interest for XXXX and XX/XX/2021 at the fixed rate and no matter what I tried, I absolutely can not possibly come to what they have charged in interest. Selene Finance has clearly OVER charged interest. I would like a complete and detailed interest calculation for XXXX and XXXX, and a small balance for the 1st few days in XXXX of the interest calculations.
|
| 03/11/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I sold a VA backed property in XX/XX/XXXX, Selene finance has held the money I am due from a mortgage insurance reimbursement since XX/XX/XXXX, according to 12 CFR part 1024 ( Regulation X ) 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, XXXX, and XXXX XXXX of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control.
it has been approx. 65 days. I have contacted the company over 13 times. and still have not received my check. with no solutions, this is a direct violation of the above federal regulation/law.
|
| 08/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been getting the runaround from Selene Finance since XXXX of XXXX. My loan was transferred from XXXX to Selene Finance. I have a previous complaint against Selene : no XXXX. Unfortunately, the issues have not been resolved. On or about XX/XX/XXXX, I received loan modification docs with my Ex-Wife 's name. I sent Selene an email to notify them of the error. They asked that I send them a copy of the quitclaim and divorce decree. I sent it close to 10 times, and they've denied receipt for the past three months.
I had to file a complaint for them to honor the original modification agreement with XXXX. However, I called today, and they informed me I would have to begin the process over. They did not provide any sound or logical reason.
|
| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the 30th of the month to make payment without negative reporting. The Selene finance online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction.
Selene Finance reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies.
In the meantime Selene Finance has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore.
Please have this derogatory report removed.
|
| 10/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
I have previously attempted to discontinue Selene Finance from accruing for escrow. I have had the same mortgage for 18.5 years and never refinanced. Originally serviced by XXXX XXXX XXXX- is now with Selene Finance - Transferred XX/XX/XXXX. I was told earlier this year that to be eligible to been with them for at least 12 months and and a positive or XXXX balance owed. Well, it has now been 14 months and I have a positive balance as of today {$2000.00} and insurance paid through XXXX and taxes paid through next tax due date in XXXX XXXX, VA which is XX/XX/XXXX. Worst all they are collecting more than TWICE what is needed to pay my escrow accounts! THAT IS RIGHT SELENE FINANCE IS COLLECT DOUBLE THE NECESSARY AMOUNT. Loan Number : XXXX
|
| 06/26/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
My loan number with selene finance XXXX my social security number is XXXX XXXX my complaint is that selene finance refuses to put me on a repayment plan I'm XXXX XXXX payments behind I recently sent in a payment itold them that I was a little late but they told me that I have to do another workout sheet. My complaint here 's is that I'm worried that they will still denied my application and also their was a news media report that selene finance is unlawfully filing foreclosures on people that are three months behind and telling them to do short sales. Even when they still apply for a repayment plan. And their a class action suit against them. So what I'm asking selene finance is to put me on a repayment plan I attend to keep property
|
| 04/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Submitted to Selene Finance letter of their unfair practice, errors on their behalf on our income ( I reported this in writing ) misrepresentation, discrimination among bad faith. I requested to Selene to Please bring my loan payment back to the date I asked for assistance unable to pay my mortgage for XX/XX/XXXX, only, make arrangements just for the month due to temporary hardship. I was misguided to apply for loan modification instead of other ways I could have pay them for only one month. Their accounting errors, unfair practice, misrepresentation and discrimination, has led me to be in a situation that I can not handle. I dont know what else to do. Selene has replied to cfpb of my complaints with excuses. XX/XX/XXXX. Thank you
|
| 02/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I did a cash out refinance for my property at XXXX XXXX XXXX in XXXX XXXX TN. This took place in XX/XX/2021 through a company called XXXX XXXX. My loan was sold to a company called Selene Finance. I have payed all payments on time. However, my city taxes have not been paid. I have also spent hours on the phone begging for a mortgage statement by email or USPS. I still have not received a single statement. This has made it incredibly difficult to close the mortgage on a new family home that Im financing through a VA loan. There are also countless reports of fraud and forced foreclosure through Selene finance. This company is a complete sham and refuses to provide the most basic mortgage services although theyre legally required to.
|
| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
The company is very deceptive ; they call and don't leave messages, I have authorized them and instructed them to leave messages and they do not.
I have to call back and there wait times are ridiculous.
They have poor internal communications where the departments don't talk to each other. I am being asked to continue making escrow payments and required by the lender to make escrow payments for property taxes but I have provided them with a letter from the taxing authority stating I am 100 % exempt from paying property taxes.
This company makes it difficult to pay on time and to resolve issues timely. These tactics are predatory and aim to hinder ones ability to pay timely so that the company can foreclose on your property.
|
| 05/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Hello I am writing to you inreguards to my mortgage., XXXX XXXX i filed a XXXX XXXX to stop a forcloser, And now they are forclosing on my home again. I just recived papers from there Lawyer just 2 days ago, The plans they put togather for me to pay back the rears pluse monthly payments were to much for me to pay a monthly, with all the other monthly bills I was paying bankruptcy XXXX XXXX for thee months -and then XXXX the XXXX of month and then XXXX at the end of month plus my monthly mortgage payment, so iam on XXXX is just not enough money, so i am asking for your help with this i have a XXXX XXXX and other XXXX it all just to much, and as well inflation gas food everthing else it just to much it si even harder now Thank You
|
| 04/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have had my account set up on automatic bill pay through my bank XXXX XXXX XXXX for over 2 years. My XXXX payment was processed and mailed to them by XX/XX/21 ( see attached ).
On XX/XX/21 I called them because I could see that they had not processed my payment at that point. I told them my concern of being reported late on my credit report and charged a late fee.
The person I talked to said that they were behind in processing payments due to the postal service. He assured me because of the delay in processing payments I would not be assessed a late fee.
The check was finally processed on XX/XX/21 ( see attached ) and I incurred a late fee on the next statement and subsequently a late fee on the XXXX statement.
|
| 05/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Please see attached file. Selene has advised cfpb letter dated XX/XX/2023, paragraph 4, quotes On XX/XX/2023, Selene received XXXX XXXX XXXX XXXX for Loss Mitigation assistance this is not true, I want evidence of the package for loss mitigation assistance they say Selene received on XX/XX/2023.
My first application for assistance Selene made income error amount different than in my income form application.!!!! Replys to cfpb Selene explained no errors on their behalf, well they did I found out when replys to the bureau the bureau sent me documents and I caught their errors.
Please review all my closed complaints, you will find all my complaints. I need help!! Investigate Selene Finance a little deeper.
Thank you
|
| 05/15/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
SELENE FINANCE LP is a debt collector. On XX/XX/2022, on a Foreclosure Sale, XXXX XXXX, attorney from XXXX XXXX XXXX, XXXX, said that the lender SELENE FINANCE LP bought my property. It's ALL RECORDED ON VIDEO. I'm attaching two AFFIDAVITS OF FACT WITH PERSONAL KNOWLEDGE, TERMS OF SALE and the third accomplice is XXXX XXXX from XXXX XXXXXXXX XXXX, XXXX.
SELENE FINANCE LP is attempting to STEAL my property.
They are in violation of 15 U.S. Code 1692e ( 4 ) - False or misleading representations, the representation or implication that nonpayment of any debt will result in the seizure, garnishment, or sale of any property unless such action is lawful and the debt collector or creditor intends to take such action.
|
| 12/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
For many years, XXXX XXXX has communicate her desire to avoid a foreclosure. She has asked for a loan modification or short sale. the servicer has changed many times and they are not cooperative. She asked for a loan modification and she was ignored. The Dodd-Frank Act says as long as there is 90 days prior to the sale the bank, or mortgage company or servcier is to provide a mortgage assistance package. They filed to do so even though repeatedly asked for such. Now, even though there was more than 90 days before the sale, yet again, and they were communicated the borrower 's desire to avoid a foreclosure and deficiency judgement, etc. the servicer is not cooperative with a loan modification or short sale.
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I filed complain XXXX, back in XX/XX/XXXX. I have tried to get the remaining XXXX XXXX refunded and the company is playing games. They answer and transfer me to other departments without resolving my issue.
I asked that they do an XXXX XXXX because I am 100 % XXXX Veteran, since XXXX. My tax responsibility is zero. The company is still withholding my property tax XXXX balance and my bill is not reflecting the correct amount- still being charged property Taxes.
I just need an intelligent human being on their end to do their job. I called almost three weeks ago to have this resolved. I have been on the phone ( XXXX ) for over 20 minutes and they keep transferring to other departments.
Regards, XXXX XXXX
|
| 08/09/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
This complaint is about Selene Finance LP. This Debt collection agency will not send me requested copy of the original loan contract ( not promissory note ) with pertinent information needed to validate an alleged debt of my deceased mother. I am the Executor and Inheritor of her estate ( granted this information by law ) and have requested XXXX times from XX/XX/2022 to present for this document. It is now XX/XX/2022, and I have received a intent to foreclose on my inherited home without validation of the debt or options given for modification. On XX/XX/XXXX Selene Finance Fraudulently has submitted notice of intent to foreclose family home of XXXX years in my name ( inheritor ) with a new mortgage lender.
|
| 02/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of 2021 my loan was sold to Selene Finance LP by XXXX XXXX XXXX. I have not received any statements by mail or email. I am currently in bankruptcy and my attorney has not received any information concerning the statements. I have requested no less than 5 times in the last 3 months that a statement be sent to my physical address. I found an address to send the payments. But I do not know how many payments I am behind, what the exact amount of the payment is, or when the payments are due. It is very frustrating when I am making every effort to be current on all bills and the mortgage company refuses to send out statements. I am concerned there is a chance this company can file foreclosure on my home.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations.
Selene Finance have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations.
Selene Finance have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have a loan which is serviced by Selene Finance. I have requested on multiple occasions over the last XXXX weeks a pay-off request so that I can refinance. During this process, I became aware that a pre-payment penalty was added to my account which is not reflected in the original loan documents. I requested that the prepayment penalty be removed and sent in an initial mortgage statement to Selene. Now they are telling me that this statement is not sufficient. They tell me that they do not have a copy of loan documents and advised me to go down to the county clerk 's office to get a copy. I told them the clerk 's office is still closed due to COVID. Each day this goes on, I lose money. Please help.
|
| 10/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
My complaint selene finance refuses to put me on a repayment plan or loan modification I had got a letter prior saying that they got my information and that I had to remove the security freeze off my XXXX report and then I got another letter dated XX/XX/23 stating that my loan modification was denied because they didn't receive all the required documents I think they made any error here the person that denied me was XXXX XXXX he did this on purpose and act like he didn't receive the documents I have copies of both letters saying that they received everything and to remove security freeze. They mislead me. I'm requesting a appeal and to reconsider and new point of contact I don't have time for XXXX.
|
| 07/07/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage loan with the Selene finance company, I have paid my installments on time, but they have lost an installment that corresponds to the month of XX/XX/2022. I paid my XXXX installment on XX/XX/2022, for XXXX and that of XX/XX/2022 on XX/XX/2022. My credit changed company, from XXXX XXXX to Selene finance. I have communicated both by phone and by email and they have not given me a solution because they say that the payment does not exist and that I must solve it with the other company, that is, XXXX XXXX but they say no because I no longer have credit with them. I have been waiting for an answer for 14 months and they have not given me a solution and my credit appears in default
|
| 12/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I applied for a modification and was approved with payment to begin XX/XX/2022. My payment increased from {$940.00} to {$2300.00}. Since the payment raised so much I was trying to save up the payment to get it in by the last day of the month. I was on track to have the money in to my lender on XX/XX/2022, as the paperwork said I had to get it in during the month. On XX/XX/2022 hurricane Ian hit and I lost electricity, was out of work and could not access my cell phone. I then called my lender in XXXX to explain the situation and I was told to call FEMA and apply for a disaster forbearance. I just needed additional time to pay the modification because of a hurricane that was out of my control.
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Selene Finance and I have disagreed over the fact that I had a COVID19 extension. They have hidden the fact that that offered and issued a COVID19 extension as they are now stating that an extension never existed.
They have not accepted my payments on the mortgage and have began a final judgement process.
The judgement began on XX/XX/2021 and is in currently in progress.
Presently they they are seeking final judgement in court leading to foreclosure.
I am seeking the assistance of the CFPB to intercede in stopping this legal action of final judgement based upon Selene 's false information and unethical practices Finally, I will provide additional documentation to support my compliant.
|
| 11/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene finance is the mortgage servicer, I closed on my property on XX/XX/2021 and had to make my first payment on XX/XX/2021, I Made the payment on XX/XX/2021 to Selene finance, on XX/XX/XXXX I received a letter from Selene finance stating that they had sold my loan to XXXX XXXX on XX/XX/2021 but failed to send me notice, the payment made to them was never applied to my account nor forwarded to XXXX XXXX, now XXXX XXXX wants the XXXX payment from me, i have made many calls to Selene financial to send the payment to XXXX XXXX but after 4 months they still havent, I have provided all this info to XXXX XXXX but they continue to harass me for the XXXX payment being stolen by Selene finance
|
| 09/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
Dear CFPB, On XX/XX/2023 I mailed a check of US {$2000.00} with a letter to my mortgage company Selene Financial to put to my principal balance only. On my XXXX statement I found out they did not carry out my wishes. Not only did they misappropriate my money but they added a late payment fee of US {$31.00} ( this rescinded after a call ). Please note my account is on automatic payment from start of my loan.
For three weeks and counting I have made many calls to the company. Only excuses and promises given to me and the issue has not been resolved. Please help me get this issue sorted out as soon as possible because SELENE Financial is getting my monthly payments on time.
Thank you.
|
| 03/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I settled a mortgage dispute with XXXX and I thought everything was very clear, I did not agree with a host of fees due to the nature of the issue and thus the fees were waived ... Now I'm looking at tax documents though and XXXX filed 'Cancellation of Debt ' with the IRS which means a few things. One that they still feel those debts were valid, I'm supposed report this as income, and 3rd, they get to take the deduction all after they totally and completely mishandled everything to do with my loan and the foreclosure which should have never occurred, that I paid off in full but yet they continue to try to 'stick it to me ' which I feel is in violation of our settlement agreement.
|
| 10/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
In XXXX I filed for Bankruptcy and the mortgage holder at that time sent an XXXX out to the home. They charged me with the XXXX XXXX fee even though I was in the middle of the Bankruptcy. I discussed with my lawyer at the time and they told me to refute the bill citing the Bankruptcy. The mortgage company sold the mortgage before the Bankruptcy was complete and each time the mortgage is sold I ask the new company to remove it from my " overdue '' balance. Each time the company says that they'll look into it and then they never get back with me. I'm trying to get pre-qualified for a new loan and now this is hurting me as it shows that I'm perpetually overdue by over {$1000.00}.
|
| 09/27/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
Servicemember |
|
Residence was destroyed & vandalized by squatters. Furthermore the insurance company has not repaired damages. I have requested assistance and repairing residence out of pocket. I have applied for loan modification However the Seleene finance the mortgage service provider has not processing the claim in a timely fashion. Moreover, the loan modification was accepted by XXXX XXXX. Conrqently, the loan was purchased by Seelene Finance which has not accept the modification from XXXX XXXX. Now Seelene Finance stated forcloser proceedings. Please kindly investigate the loan modification being done by Seleene Finance this appears to be Racketeering and predetory lending that am XXXX.
|
| 06/14/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have shown the bank that we can make the payments after they grant us the modification as they let us know that we are low income when our payments are XXXX per month and we earn between XXXX and XXXX dollars a month I would like an accessory because we are accumulated due to the COVID pandemic my father my mother-in-law died my brother and my brother-in-law we had many problems and the bank had promised us to defer the payments at the end and the bank sold it to another bank Selene financial which demands the payment and We have even sent the dog 's birth certificate and they still do not help us!!!! Lol sorry I have no idea what to do but we appealed the decision
|
| 11/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am having trouble communicating with my mortgage company. I was promised a response to my request for assistance yesterday XX/XX/2020. However, I am taken to a voicemail every time I call. My mortgage company 's attorneys have suggested that this is their game, that they are not serious about the process of loan modification. I just want them to tell me that this is true so we can explore other non-retention options like a short sale or a deed in lieu. Please review the emails I am forwarding to you. They contain valuable information regarding the present case. Selene Finance has a complete package and they are due for a decision regarding our loan modification.
|
| 08/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/2019 a foreclosure sale was scheduled in XXXX XXXX Missouri. The sale was postponed to XX/XX/2019 and the sale did not happen. According to court records filed in XXXX XXXX Missouri Case Number XXXX XXXX XXXX stated and on his attorney letterhead that he purchased the property on XXXX, 2019. Then on XX/XX/2019 XXXXXXXX XXXX XXXXXXXX filed an Accomadation Deed that XXXXXXXX XXXX XXXXXXXX XXXX with the address of XXXX XXXX XXXX Missouri purchased the property on XX/XX/2019. The address of XXXX XXXX XXXX Missouri belongs to XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX is registered with the State of Missouri of having an address of XXXX XXXX XXXX XXXX Missouri.
|
| 02/15/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
Account Statements conflict with my records. My records show details which of a total of XXXX payments made during the XXXX months from XX/XX/XXXX thru XX/XX/XXXX. The XX/XX/XXXX payment also was not credited to the account according to Selene Finance LP records. The following payments have been tendered and are not reflected in the ** Account History**. Payments started in XXXX XXXX XXXX days in advance for the XXXX XXXX. Followed by a second payment in XXXX. This was done to preemptively address the systemic processing delays, account errors, and failure to provide timely account statements by Selene Finance LP and the predecessor XXXX XXXX XXXXXXXX XXXX
|
| 10/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
For 3 weeks I have been trying to get a hold of a representative over at Selene Finance and I hardly ever able to get through. About 3 weeks I requested my history of my payments from Selene Finance. They have yet to respond, return phone calls, provide empty promises and I need a copy of my payment history because the lender I am trying to refinance with is requesting it and will close my loan application should I not provide them with the payment history I have asking from Selene Finance.
How can something so easy be so difficult to provide, or have a Lender that answers their phones.
I had no choice but to send a Qualified Written Request again.
|
| 02/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Unfair practice, improper handling of my mortgage loan assistance, accounting error on total income my husband and I reported on application caught their error after approving a trial modification they denied. XXXX XXXX transferred our loan to Selene on XXXX of XXXX my documents had not been received by Selene on XXXX of XXXX. Selene collections of Forbearance plan approved by XXXX XXXX sending default letters Selene didnt know I had a forbearance approval. After this the night mare started and I have complained to your Bureau. Please see attached letter to Selene Finance dated XX/XX/XXXX. This situation is making us sick. Thank you for your help!!
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Selene Finance fraudulently reported a new account number XXXX onto my XXXX credit report file. This fictitious account number was posted between XX/XX/2022 and XX/XX/2022 and I do not nor never had a contract with Selene Finance with this loan number. This fraudulent account is also being reported as being late 120 days when its new and never appeared before on my credit profile as it was recently opened. I never consented nor signed this new loan account and immediately asked for validation of this account through the administrative process. The monthly payment being demanded, and loan number looks like fraud as I don't recognize either of them.
|
| 05/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
A payment in the amount of {$20000.00} was made to Selene Finance on XX/XX/2023 regarding an existing mortgage loan. Said payment was processed the same day with funds debited from my checking account the following day.
A review of the payment portal at Selene Finance indicates that said payment was accepted and credited " in suspense. '' A balance is still due and and a payment is required on XX/XX/2023, despite the fact said earlier payment would pay the mortgage account in full.
Repeated telephone calls to Selene Finance have fallen on XXXX XXXX. Not only has the {$20000.00} payment not been properly credited, it has not been returned.
|
| 08/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Selene Finance holds our mortgage and as a result the escrow account is totally non transparent and as a result duly on XX/XX/2022 I paid my insurance through XXXX the insurance company notified Selene that the insurance was paid in full I also contacted them on a number of occasions to tell them the insurance would not be paid in escrow and as of the first of the year my taxes will be paid outside of escrow. There is also {$200.00} that is taken out oof my payment and no one can tell me where this money goes. As of XX/XX/2022 the escrow account had a balance of {$2000.00} and as of XX/XX/2022 there is a deficit of {$2500.00}. Not possible!!
|
| 12/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
The Plaintiff does not have correct transfer of mortgage loan and investor 's title.
Moreover, currently the present lender has the breakdown on Chain of Title on this property.
Originally the investor XXXX XXXX was the owner of my mortgage loan for this property, since the beginning. But due to an error in the Chain of Title XXXX XXXX is not shown that they were an investor / owner since the beginning.
I am enclosing my correspondence with present mortgage loan servicing company, and I am unsuccessful to resolve this matter of defective transfer of mortgage loan and title on this property.
Hope to hear from you soon on this matter.
|
| 09/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I input a complaint thru CFPB in regards to Selene Finance Company adjusting payments made to my mortgage that have not been applied. I opened a previous case regarding this issue and received a letter from the company stating that the payments will be adjusted in 60 days, that was in XX/XX/2022. Since I have not heard from them so I called and was told that they have not adjusted the payments and didn't see any notation of doing so, but that I am now in Foreclosure. The previous case number is XXXX. Selene has not responded. This is an update for case XXXX which was closed on XXXX XXXX XXXX. Please see attached correspondence to Selene.
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
As of yesterday I have made another attempt to show proof to Selene with no help or resolution. I am attaching the files to show that I have never been late and I have made extra payments when they call me to harass me about my payments being late. The payment in XXXX will show proof that Selene processed my check on the XXXX but did not deposit until XXXX. Someone is Selene is responsible for not doing there job and I have take the fall of their error. XX/XX/2022 is when they are saying i was late. Also if that was the case then you would see that i have made 3 extra payment to stay ahead and I somehow seem to still be falling behind.
|
| 05/25/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I have been trying to get a loan modification with Selene financial for close to 2 years. After offering me only a feed in lieu or short sale they offered me a loan modification and I appreciative. However the terms are unclear to me. It doesn't state the duration of the loan 30 years nor whether the balloon payment contains administrative fees as well as arrears.
I does not disclose if there is a prepayment penalty.I need truth in lending and feel that I am asked to accept unfair terms through nondisclosure. I am an XXXX American female Citizen who has been the victim of loan modification flipping in the past. The practice continues.
|
| 03/19/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in disagreement with the items listed which still appear on my credit report, even afte r your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
|
| 04/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I have repeatedly called the servicer to make a payment or make payment arrangements.
Selene Finance.
Typical call Please hold, representative not available please schedule call back in two minutes never get a call back.
Promised to call XX/XX/XXXX for payment they never called.
Get random calls from agent completely clueless as to any previous conversation.
offer to have someone call and discuss options. never got a call back.
sent paperwork in 2020 Tax return missing sent all other paperwork.
their denial say 's nothing received.
agent made work out plan. Plan denied by higher ups.
loan {$95000.00} equity {$150000.00} Plus
|
| 02/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX foreclosed on and sold at auction a condo when the mortgagee died with no assets and as part of the probate process.
They sold or transferred the account to Selene, which I've spoken to a couple times and told them this property was already foreclosed on and sold at Sheriff sale by XXXX XXXX.
Selene continues to correspond with me wanting payment and with statements showing they are continuing to make escrow payments for insurance on a property/mortgage they never had a right to collect on.
The last person I spoke to XXXX months ago said she'd have to refer it to a supervisor to handle and he would take care of it.
|
| 01/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
On XX/XX/XXXX XXXX complaint to CFPB in reference to Selene Finance my Mortgage Servicer, XX/XX/XXXX I complaint again to CFPB, Selene Finance unfair practice. CFPB has all of my complaints that are now closed with the XXXX. I have not been offered a program I can afford to pay Please see my letter to XXXX dated XX/XX/XXXX of all issues, improper handling of my loan modification process. The month I had trouble to pay my mortgage was the month of XX/XX/XXXX, when I asked for assistance my loan monthly payment was {$1700.00}, due to their negligence the amount I owe has escalated to an unreasonable amount. Thank you XXXX XXXX XXXX
|
| 09/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XX/XX/2022, I applied for loan modification due to XXXX and XXXX XXXX. I only missed three months because the forth month I was waiting for loan modification approval. My mortgage payment was {$1700.00} with three percent interest. XX/XX/2022, I called Selene Finance to follow up on loan modification status. Representative advised my modification has been approved. XXXX new modification has XXXX percent from XXXX percent and new mortgage payment amount {$2400.00} from {$1700.00} before applying. My escrow is {$3000.00} dollars. I believe if I had temporarily not able to pay my mortgage XXXX comes up with this unfair practice.
|
| 12/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My name is XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX my address is XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX ny XXXX my complaint is that selene finance has not yet updated their computer systems showing that my loan XXXX is on a trail modification this is my third complaint regarding this matter when I call on XX/XX/2021 a representative claims that I'm not on a modification and that it doesn't show then I told her I got copy of letter from selene finance corporate executive team showing that I'm on a trail modification. Then she tells me that the computer systems was never updated correctly.
|
| 10/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
From XX/XX/2021 until the present Selene Finance has incorrectly calculated my mortgage payments and reported my account to the credit bureau as delinquent.
In addition to the many unethical practices of charging me several late fees although I didn't owe any.
This company has several pay web sites that don't allow you to pay anything other than what they have your payment listed as, they have had three different web payment websites since 2021. The most current website won't allow you to pay your mortgage until you read and acknowledge some agreement they have attached I'm sure to cover themselves against consumers.
|
| 07/20/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/XXXX, an authorization and documents to begin a short sale were faxed to Selene Finance. As of today XX/XX/2022, I am not able to speak with anyone at Selene Finance to obtain a short sale. I have even been hung up on. My home is in danger of being foreclosed on. Since this is an FHA loan the bank has to follow certain procedures, which they are not and are refusing to cooperate with me to obtain a short sale. I can not even speak with a manager when I call, which I have done numerous times. Please help me fix this situation. I have been denied speaking with the bank regarding my account on numerous occasions.
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Information/ account was discharged in Bankruptcy in XX/XX/XXXX. A lender/debt collector Selene Finance LP posted a foreclosure on my credit report XX/XX/XXXX.
I called Selene and they agreed that the information reported is incorrect. I started a second dispute with XXXX.
Experian dispute results says they verified the information is accurate and will remain on my report. How did they verify the information.
I have called Selene Finance and they have no information they can give me now and can not pull up any account information.
My wife and i are trying to buy a house and this is causing issues to say the least.
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XXXX I was trying to do the loan modification with Selene finance. Instead of them doing the loan modification they switched me to a new loan servicing company. They have never fixed anything, I also requested them to fix this on my credit report. That I have a XXXX mortgage which is incorrect I've tried to contact them several times. To fix this and have had no results. They need to remove this from my consumer report, fix the modification. as of today, they are reporting negative information this has been going on for the last year and a half. I don't even have them currently doing business with XXXX. Thank you,
|
| 09/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
We have an escrow account set up to property taxes and insurance and Selene Finance has failed to pay our insurance and our policy has lapsed. For loan number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
They were provided with all necessary insurance documents and information to pay the policies and have failed to due so.
There are two buildings and two different policies. One was paid and they will not pay the other one.
They hang up on you when you call, give you the run around and transfer you to new departments with no answers. We have sent formal request to which they have never replied.
|
| 05/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hi, I am having a problem with my mortgage servicer. They are denying me the right to obtain the appraisal value as i am in default and trying to short sale my property. By law i am entitled to the appraisal value of my property within 3 days of appraisal. name of company refusing to cooperate is Selene my loan number is XXXX. They are forcing me to foreclosure and discriminating on my financial status. I have numerous appraisers stating that banks are having them increase the value of the home to a number that is not comparable to the home price. They are manipulating the system to force homeowners to foreclose
|
| 12/13/2021 |
Yes |
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
We have a discharge date of XX/XX/2021 from a XXXX XXXXXXXX Plan. Selene Finance who holds our Mortgage refuses to send us any statements or speak with us. They also have not reported to the Credit Agencies that we have an active Mortgage at all. Since our case was discharged our counsel will no longer help us address this continuing problem. We have spent countless hours calling, leaving voicemails and emails to Selene Finance showing them that the bankruptcy court already closed this discharge, however they still will mot speak with us or change our Loan to show that we even have a mortgage to the creditors.
|
| 12/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have attempted to make payments online but due to the fact I am considered behind, the online system DOES NOT allow payments. You have to call an agent and make a telephone payment, sometime difficult. I have tried doing a remodification, made the payments but told I was defaulted and payments would not be accepted.
I have attempted ANOTHER re-mod but was told my income is " insufficient '' ( even though my yearly income is $ XXXX ) and was not given any explanation or proof as to why they consider my income insufficient.
I believe their practices are ensuring my account goes to foreclosure or short sale
|
| 05/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The Indiana XXXX XXXX made a payment to Selene Finance to cover my mortgage arrearages.
Instead of my loan becoming current, the mortgage company did not apply the payments to my arrearages- yet Selene Finance charged me thousands of dollars of fees that have no explanation.
I have reached out to them in writing- via email and via telephone.
I have not received any communication of this issue and the fees keep getting added to my loan.
Additionally, the XXXX XXXX XXXX has not been applied to my account.
There are fraudulent incidents continuing to take place with Selene Finance Mortgage Company.
|
| 07/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
In XXXX of XXXX my mortgage company XXXX stop accepting my payments which were sent on a regular basis then they proceeded with a false accusation of non-payment to create a foreclosure scenario only to discover that the payments I had made have been cashed but returned to me as if they were returning my money evidence will follow to this effect. Wire fraud may come into play because I use money orders they return the money orders to me with the letter stating we are returning your money when checked we found that the money orders have been cash but the money was not accredited to any account that I owe
|
| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX signed Borrowers Authorization was submitted to Selene Finance LP via e-mail for a payoff quote. That request has been faxed and emailed several other times. I have called. I have tried to get this escalated. I have been on hold for far too long. I have requested to speak to a supervisor. I have requested to speak with a compliance officer. Nothing. I just sent 2 emails and 2 FAXES today demanding the payoff quote after calling. I was told I could not speak to a supervisor nor the compliance department.
This is a clear violation of 15 U.S. Code 1639g and I am escalating a complaint.
|
| 04/01/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
This is in reference to prior complaint : XXXX, Acct # XXXX Mortgagor ( s ) : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX , XXXX, TN XXXX I was informed by a letter in response from my last complaint by XXXX XXXX of XXXX XXXX Team with Selene Finance that a check for the amount of {$1700.00} was wire transferred to XXXX back on XX/XX/2021 with a check # of XXXX.
I am filing this complaint today because after speaking to XXXX on 3 occasions since then, within a 9 day period of the response and supposed wire transfer. Selene Finance continues to hold my funds illegally since XX/XX/2021.
|
| 09/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
Selene is using dual tracking. They have slowly led me into foreclosure and this happened after I had submitted my loan modification application.
I was barely 60 days late. They refused one payment. Then the next months refused a payment. Then 130 days late refused 3 payments then I began loan modification application they re dived XX/XX/XXXX and yet they keep dragging it out saying I need this or that and even after I give it to them, they continue to ask for the same things all the while Im in foreclosure with their letting the days continue to go by month after month now! Please help!!!
|
| 01/09/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Mortgage debt was discharged in XXXX of 2014. Selene Finance bought the discharged debt from XXXX XXXX and has been harassing us ever since. They most recently reported the closed account as open and past due causing my credit to drop XXXX points. We've notified them by phone and in writing by providing the discharge papers and they continue to call, send fraudulent insurance request paperwork, and make harassing phone calls. Ive disputed the debt though XXXX and they refuse to remove the item from my credit saying the debt has been validated even though I provided the discharge paperwork.
|
| 12/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
SELENE FINANCE TOOK OVER MY MORTGAGE FROM XXXX ABOUT XX/XX/2023 AND SINCE THEN I HAVE PROBLEM WITH THEM.SELENE COLLECT ESCREW FOR TAXES AND CLAIM THAT BEEN PAID THE TAXES .BUT THE NOTICES I GET FROM THE VILLAGE FOR THE TAXES SAYS OTHERWISE.I SENT NOTICES I GOT FOR THE VILLAGE TO SELENE FOR VILLAGE TAX THAT BEEN DUE SINCE XX/XX/2023 AND STILL NOT PAID..TODAY I RECEVED A THIRD NOTICES WITH {$270.00} PENALTY AND MARKED ARREARS.
MY MORTGAGE BALANCE IS UP TO DATE AND BEEN PAYING MY MORTGAGE.SELENE REFUSE TO ANSWER AND FIX THE PROBLEM.PLEASE HELP AS SELENE IS IN VIOLATION.
THANKS.
XXXX XXXX
|
| 04/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Im filing this complaint because I have not received my regular monthly mortgage statement from Selene finance since they took over my mortgage from XXXX XXXX in XX/XX/2020.
Secondly, according to the last monthly mortgage statement I received from XXXX XXXX in XX/XX/2020 just before they transferred my mortgage, my regular monthly payment was scheduled to go down to {$2600.00} starting XX/XX/2020, but instead of going down, on XX/XX/2020 Selene finance increased my mortgage payment to {$3400.00} without giving me any written notice or explanation as to why the payment was increased.
|
| 06/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/2021 I had ordered a payoff for my mortgage with Selene Finance.
I had explained that I am selling my house and the closing date is XX/XX/2021.
I was told that it takes 5-7 business days to get a payoff. I said fine. On XXXX had called again inquiring about the status of my payoff. They said that in the next 1-2 days I will receive it ... ....
The closing is tomorrow, and Selene Finance is denying my right to sell the house by not providing the payoff letter. There is no pre-payment penalty on my loan.
Please, help me out close on my house tomorrow.
Thank you XXXX XXXX
|
| 10/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
I have requested numerous times for Selene Finance LP to show me proof that I signed these certified with return receipt foreclosure sale date letters. They have not been able to show me proof.
I am attaching for the record the tracking numbers to those certified letters they stated I received. As you will see the USPS tracking website which is a Branch of the US Government never sent those letters to me.
I want all of this illegal activity to stop!! They have stated to me we are still foreclosing on your house and that is our stance. They are breaking the law in the state of TN.
|
| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My mortgage was recently transferred from XXXX XXXX XXXX # XXXX, XX/XX/2021 to Selene Finance. Selene recently contacted me to discuss my mortgage being delinquent, but I am currently in a forbearance. I was affected by XXXX and requested a forbearance with XXXX XXXX my servicer at that time, it was approved. My loan servicing was transferred to Selence while I'm currently in the forbearance. Selene customer service contacted me stating their servicing records showed I am in default with my mortgage and Selene Finance had not approved a forbearance for my mortgage.
See Attachments
|
| 12/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
On XX/XX/2020 I received a statement from Selene Finance for a property inspection for {$13.00}. I don't know why they inspected, what they inspected, who inspected and for what reason. I wrote them aletter on XX/XX/2020 requesting what the inspection was for, at what time and who did the inspection. I did not receive a response.
I received the same type of bill on XX/XX/2020. I again wrote them requesting information as to what type of inspection, who inspected, time and date and the reason and still no response.
The statement from Selene Finance states they are a debt collector.
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I fell behind on my mortgage about {$14000.00} as a result of being physically XXXX when I was a victim of attack in my home. I filed bankruptcy in 2019 and got behind on my monthly payments agreed in bankruptcy. I had a few retuned payments and now they are only accepting certified checks. I cant make a payment because I am homebound and even have trouble getting to appointments. I am requesting an accommodation for my physical XXXX to be able to make payments online or by phone.
Also, I want any assistance available to physically XXXX individuals who are facing foreclosure.
|
| 09/20/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
My attorney group XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX are holding me XXXX and wont release me from them so I can talk to Selene regarding the loan modification because its still shows up on Selene Finances records as active litigation. A dismissal form was sent to them via email a week ago from me.
Selene still states that I can not speak with them after my explaining to them that paperwork has been sent regarding ending of the litigation. Selene states it needs to be sent from attorney to attorney. And the attorney on my end is refusing to send them the documents.
|
| 11/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
I REQUESTED AN ASSUMPTION! THEY SENT ME AN APPLICATION. I ASKED TO SPEAK WITH SOMEONE AT THE COMPANY AND I HAVE GOTTEN A RUN AROUND FROM THE CALL CENTER. I HAVE COURT ORDER TOO RELEASE THE EX WIFE OFF OF THE LOAN. SHE ABANDONED THE PROPERTY IN XXXX AND THE DIVORCE WAS FINAL IN XXXX. WE TRIED A ASSUMPTION XXXX AND AGAIN THERE IS NO PERSON OF CONTACT. SO THIS PROCESS FAILED. THIS IS THE SECOND TIME WE ARE TRYING AND IT IS COURT ORDERED. WHY CAN YOU NOT SPEAK TO A LOAN OFFICER OR SOMEONE IN CHARGE OF THE LOAN? THE MAILING OF DOCUMENTS BACK AND FORTH IS USING UP VALUABLE TIME!
|
| 11/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I fell behind on the mortgage due to COVID my customers ar hospitals and I am considered non essential. I am doing the best I can with 50 % off mu customers through COVID. As soon as the rules let up I will do great.
I receved a notice saying to cure my default I need to pay XXXX by XX/XX/XXXX. I called on XX/XX/XXXX to make a payment and was told by XXXX Id # XXXX that the computer wouldn't accept the payment it now required XXXX I said I was instructed to pay the XXXX by XX/XX/31 and he said he was sorry but something must have changed.
I can not pay XXXX in a lump sum
|
| 11/15/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
I closed on a mortgage with XXXX who has the servicing with Selene Finance. They held payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not to start paying payments until XX/XX/XXXX. However, they withdrew a payment on XX/XX/XXXX. I have contacted the company twice and XXXX at XXXX also contacted them twice. We were told that they would be returning the payment, however, to date, they have not. My payment is {$2300.00} That is a very large amount to my monthly debt to be taken in error and not returned. They have said sorry, they will handle it and then nothing.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX and other fraudulent company attempting to claim illegal rights to property. SELENE FINANCE LP has no right reporting on personal profile to XXXX by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXX reporting personal credit report debt resolved in bankruptcy.in XX/XX/XXXX. Now illegal harassment with notices and neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices of illegal reaging debt collection practices..
|
| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have a mortgage that is serviced by Selene Finance. There is an escrow account set up with the company that has over {$130000.00}. although the escrow is paid the servicing has not paid the property taxes associated with the agreement with Selene Finance. There is now a {$5100.00} late charge with the XXXX XXXX tax collector. We are now on our 10th call with the company to get this resolved. They promised to pay the tax, then give us back money, so can pay. Every call is put on hold for up to an hour.
this process has been over a month with XXXX results.
|
| 07/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have received a letter from Selene Finance regarding the escrow shortage amount of {$750.00} on XX/XX/XXXX.
On the letter shows I need to pay {$750.00} or my monthly payment will increase {$62.00} a month.
Selene Finance took over my mortgage service since XX/XX/XXXX and started causing problem.
At the time Selene Finance notice us the escrow shortage of {$750.00}, we received a check from previous title company shows that there was {$750.00} left in the escrow account.
Selene Finance does a poorly job and keeps telling us it is due to COVID.
|
| 05/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2022, my bank mailed a payment to my mortgage company for the XX/XX/2022 payment. The company received the check on XX/XX/2022 and has not applied the payment. They are now charging me a late fee.
On XX/XX/2022 a payment was sent for the XX/XX/2022 payment. The company received the payment on XX/XX/2022 and waited until XX/XX/2022, nearly three weeks later to apply the payment.
This company continues to do deceptive things to trick homeowners into additional fee. I have called and asked to speak with a supervisor and no one calls you back.
|
| 07/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I paid my mortgage on XX/XX/XXXX and received a confirmation of the payment as well as a letter of payment. On XX/XX/XXXX an agent called me late at night to tell me that they never process the payment and that I would have to make the payment over again. Due to my fix income I had to borrow the money to make my payment which was supposed to be handled by the mortgage company. By this unprofessional treatment I feel that this finance company wants to force me into foreclosure. Now I have to find a way to make my next month payment to keep my house.
|
| 06/01/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hi my mortgage servicer is Selene, I was awarded XXXX that only XXXX was applied to the account from XXXX XXXX in XX/XX/XXXX. On XXXX XXXX they sent out a demand letter stating XXXX was due. As of XX/XX/XXXX our home is now in foreclosure. We had 30 day grace period when Selene took over for XXXX XXXX awarded 30 day grace period also we never received We was charged for fees and advances XXXX on XXXX XXXX. I'm sending documents showing additional over charge.
If you need more information call XXXX email me @ XXXX Thank you XXXX XXXX XXXX
|
| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The XXXX second installment Property Tax Bill was not paid from my escrow account.
I contacted the mortgage server 5-6 times in the last three months when I became aware the payment was delinquent.
The company agreed to make the payment as soon as possible, however, effective today ( XX/XX/XXXX ), they did not complete the corresponding payment. The bill was due on XX/XX/XXXX.
This is mortgage server information : Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX www.selenefinance.com
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I've been in Dispute with Selene Finance since 2021. They've been reporting on my credit for the year as up to date. They even removed themselves off of the credit report in XXXX. I've not heard anything from the company then out the blue they pop back on my credit report stating that I am delinquent and that they were just the servicer for XXXX XXXX XXXX XXXX. Attached you'll find exhibits of Selene Congratulating me on the Pay off of my mortgage along with screenshots of the account removed off my credit. This is very frustrating.
|
| 03/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have submitted an application to Selene Finance for loss mitigation. They sent an agreement for me to sign and in that agreement they stated that I had a right to a copy of the property valuation they perform to determine my eligibility for a short sale. They claim the current purchase offer on the home is too low based on their valuation. The bank has been working directly with my real estate agent. Now they are refusing to release the valuation report to my real estate agent, although there is an active 3rd party approval.
|
| 05/19/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Fraudulent company attempting to claim illegal rights to property.
SELENE FINANCE LP has reported to XXXX by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXX.by reporting personal credit report debt resolved in bankruptcy.in XXXX. Refuse to respond to multiple XXXX, XXXX or validation as required by lending laws. Harassing neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices.
|
| 01/13/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have made all our mortgage payments on time but suddenly lender started saying that we were 3 months behinds and asked us to make up at one time. We tried to talk with our lender and ask our lender to show which months mortgage was and were missing but no answers. At the same time, our lender has started to refuse our regular mortgage payments for more than 10 months up to today and we dont know how to deal with this.
What do we need to do at this point? Do we need to go to court to resolve this issue?
Thanks!
XXXX
|
| 05/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
So originally the loan was with XXXX and I have lived at the address for 16 years and now the loan is with Selene financial company showing a balloon payment of XXXX and the balance is XXXX that is not accurate. I have never done a loan on my house I have never taken out money from the house at all. I shouldnt even XXXX I did a credit check with XXXX XXXX XXXX, etc. and its showing things that I have never done on my mortgage theyre trying to foreclose as of XXXX XXXX. I need some assistance if you can please help.
|
| 05/16/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/2022, the borrower was approved for a trial modification with Selene Finance, but the terms were not provided. On XX/XX/2022, the borrower sent back the attached document stating that she wanted to pursue the loan modification. On XX/XX/2022, the borrower spoke to Selene, and they said the client was approved for a 3-month trial modification at {$670.00} a month. On XX/XX/2022, Selene 's attorney stated that his client was stating that they were never approved for a loan modification. No reason was given.
|
| 09/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American, Servicemember |
|
I received a cancel notice for my homeowners from my insurance company. In my mortgage account it says my insurance was paid XX/XX/2023 for {$1100.00}. I have tried numerous times to get them on the phone and by email. I had to pay the first months premium with my credit card to avoid cancellation. I already pay it through my mortgage payment. My insurance company wants a copy of the check. I can not get anyone on the phone. They called me last night. When I started talking about the issues they hung up on me.
|
| 09/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
In XX/XX/2023, I was given a trial modification. I made ALL of my payments thru XX/XX/2023, which in XXXX they did not want to accept any more payments.
Upon investigation, I was told that they sent me a permanent modification to me in XX/XX/2023. I never received this package and was not able to sign it. They resubmitted this and I signed and sent it back in XX/XX/2023.
My house is listed for sale at the end of XXXX. I need to have a PERMANENT LOAN MODIFICATION for my property.
Please help me Thank you
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Selene Finance has been reporting that my payments are not being sent on time. I have made several attempts to clear this with Selene with not help from them. I have record of all my payments and the 3 extra payments made so I can stay ahead of the game. I am in the middle of loan and this has held me up with my company financing. I have proof of every payment and when the checks are cashed. They are sitting on checks and allowing clients to fall behind and trying to collect late fees in a already crazy time.
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
After a period of Covid forebearance I entered into a trial mod plan with XXXX in XX/XX/XXXX. I made first trial payment in XX/XX/XXXX. The mortgage servicing was transferred to Selene in XX/XX/XXXX. They refused to abide by trial mod I had reached with XXXX. They refuse to tell me why and have repeatedly refused my requests for documents such as an accounting of the loan. I get a different story every time I talk with someone and promises never kept. Now they want me to enter into trial mod with double rate
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Selene Finance is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in 2005 and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from Selene stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus
|
| 01/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I bought a house on XXXX of XXXX thru XXXX XXXX on XXXX of XXXX. Without been informed my loan was switched to Selene Finance Mortgage which for them it shows my payment late since I had sent the payment to the original XXXX XXXX. I been paying {$350.00} ( principal {$440.00}, interest {$2500.00}, escrow ( taxes & insurance ) {$800.00} ) monthly but yesterday I got a new statement with a new monthly payment {$6100.00} when I called them today to explain why almost double with less than a month being.
|
| 09/28/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
We were in forbearance due to covid from XXXX to XXXX due to my husband losing 40 % of his pay he works in XXXX XXXX XXXX till now he still has a lower income we applied for another modification and we were denied!! I am XXXX and my son is a type XXXX XXXX!! My husband and I want to keep our home. I dont understand why Selene finance can not drop the interest rate and lower our payment they are not willing to work with us at all!! Im am simply distraught by all this!! Please help me and my family!!
|
| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Wednesday, XX/XX/XXXX ; Selene Finance. Selene Finance said I am foreclosure that I missed six payments. I paid in XXXX on a pay site online. they wont let me make up the other payments. I never received anything from the Sherriff 's office for foreclosure or from my local district. I want to work with them and try to make up payments with them and am willing to work with them. we've been in our house since XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX cell : XXXX work : XXXX XXXX XXXX
|
| 07/28/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Back in XXXX my mortgage loan was transferred to Selene Finance, LP from XXXX XXXX. There were cooperate advance fees of {$17000.00} applied to my account. Neither Selene nor XXXX XXXX could tell me the nature of these fees. I tried getting some explanation but no one seemed to know why those charge were assessed to my account.
My overall outstanding principal should be a lot less, but because of these fees it feels like I have not made any progress toward my mortgage payments over the years.
|
| 08/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied and was approved for a loan modification. However, my interest rate is higher in the loan modification. My current interest rate is 4.5 % and the loan modification interest rate is 6.0 %. My complaint is loan modification is supposed to help the homeowners. So, at least Selene should offer the same interest rate, if not lower, especially interest rate right now is lower. I accepted the higher interest rate of 6 % because I was afraid of losing my house if I did not accept the offer.
|
| 08/24/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage Company is stating that payments are not being received since XX/XX/2021 to present. However, payments were accepted by company through direct deposit from bank. Then, payments were made through US mail by form of checks and checks were return not deposited from account holder.
Mortgage Company claim from XX/XX/2021- XX/XX/2021 that payments were not received by XXXX XXXX. The servicing of the loan was transferred or purchase from XXXX XXXX XXXX to Selene on or about XX/XX/2021.
|
| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My Loan was originally with XXXX and was bought by Selene Finance, since then we have had issues with filing paper work, Selene finance claiming we did not have homeowner insurance, ( which we did and have always had ), charging fees for things that were unheard of and when asked to explain what it is they didnt. The end result always being the same, saying they willl put in a request in which we never see any results in and end up with forclosure or there reps hanging up the phone on us.
|
| 01/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Today, XX/XX/2023, I called Selene Finance LP, spoke with representative to follow up on my concern with letter I submitted to Selene on XX/XX/2023.
Representative advised that on XX/XX/2023, when I called Selene that I did not agree with their Loan Modification Terms, Representative advised me to reapply. She explained that when I spoke to Selene this day they mailed me a new application and as of today, XX/XX/2023 I have not received any documents/application in the mail from Selene.
|
| 03/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have been contacting the mortgage company for more than six months for a copy of our insurance declaration page or information about the property insurance that was placed by them the lender. We can not get any information about our lender placed insurance policy. We have called over 10 times I have sent emails. I even received a letter from them stating they will provide the information within 30 days like required by law. That letter from them was dated XX/XX/2022 and still nothing.
|
| 04/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XX/XX/XXXX, I wrote a letter to Selene Finance in reference to my Property Taxes due XX/XX/XXXX have not been paid to XXXX XXXX XXXX. XXXX XXXX transferred my loan to Selene effective XX/XX/XXXX. I have reached out to Selene many times. Please find a copy of my letter with XXXX XXXX XXXX. Today, XX/XX/XXXX, received a reminder for my Property Taxes have not been paid. Please find copies of all documents. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX.
|
| 04/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I closed on my house on the XXXX XXXX and had a settlement statement shown paid to Selene Finance. After numerous attempts to have them report this to my credit they have not.
Throughout the loan which the purchased from XXXX they added amounts even up to to {$190.00} late to payment on the final amount.
They are draconian and should be reprimanded.
They have invalid late payments on my record also.
Please have them report paid and closed and remove bad invalid reports.
|
| 01/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My mortgage servicing was just transferred to Selene XXXX, website www.selenefinance.com, I have been trying to make my XXXX payment but their website does not accept payments, their phone system doesn't let me make payments and no one at Selene answers the phone. Selene has a very bad reputation, I am a XXXX XXXX XXXX and am very worried about losing my home to the company. I need to make my XXXX payment asap and am unable to reach anyone at Selene. Please help.
|
| 11/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Servicemember |
|
Original Loan Modification application # XXXX Residence XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX submitted as of XX/XX/2023. Furthermore, illegal migrant squatters vandalized and destroyed residence. The renovation and repair are be done from personal finance s. Seleene finance is not processing loan modification application and requesting research. Unfortunately, that bank has filed foreclosure mitigation due to Seleene finance unable to service loan modification.
|
| 04/26/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
On XX/XX/2021 I received a foreclosure sale date, but never received a default or breach letter previously. I contacted the loan servicer and requested the sale be postponed do to failure to notify me and allow me time to resolve it. They will not stop the sale date and as well will not review and process my hardship application sent to them on XX/XX/2021 which they acknowledge receiving. Additionally, the loan was modified previously through the HEMP program.
|
| 01/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My wife and I lost our home on XX/XX/20, Technically we were evicted on that date we owned the home yet were not given our due process because the mortgage company ( Selene finance ) claims we did not answer the complaint which is not true because we answered the complaint through the office of foreclosure in XXXX which I'm certain can be easily verified, I know this is sort of after the fact but we both feel this should never happen to any homeowner.
|
| 11/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Selene letter acknowledged my mortgage assistance application XXXX and stated it was complete. It also said I was entitled to foreclosure protection since they received my application. My house is suppose to foreclose on XXXX XXXX XXXX They have not canceled the foreclosure. I have requested it be cancel several times. I read on Consumer protection website the foreclosure sale is to be cancel while my mortgage assistance request is being processed.
|
| 11/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
Older American |
|
My complaint is for XXXX XXXX loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX my house went in foreclosure XX/XX/2023 they told me about the notice XXXX I have not as today XXXX XXXX have not received a written notice I am working with HAF. Selene received a request for Amount due on delinquency XX/XX/2023 co no communication on when they will reply to HAF.i am XXXX XXXX XXXX been in the house over 15 years. I need help to keep my house
|
| 09/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I have an open complaint pending with Selene Finance LP. Reference to application for loan modification due to hardship.
I was verbally informed by Selene Finance Representative my modification was approved and I was very upset because the results of my trial payment was much higher than my loan payment, if I had temporary problems paying my mortgage with {$700.00} less than my approved modification and higher interest rate didnt make any sense
|
| 03/23/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My escrow was {$2900.00} in XXXX. Then XXXX was removed for property tax and XXXX for property insurance. Then they said I have a XXXX balance, which should be around {$300.00}. Then I paid XXXX to add XXXX and then paid XXXX to add XXXX. They stated XX/XX/XXXX that my escrow balance was only {$62.00}.
They have taken {$800.00} from me and will not add it back to my account. I've called them and they say the will look into it and call me back.
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I filed a credit dispute on XX/XX/20 with XXXX regarding Selene Finance. I have never had a mortgage or signed/agreed with Selene Finance for the said amount. All XXXX did was investigate for one day and updated nothing. The entire information is incorrect the amount is well over the mortgage for the home that I showed proof of. They gave an automatic response without looking into this. I believe its mortgage fraud showing on my credit report.
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX XXXX incorrectly listed my name as XXXX XXXX XXXX, deceased. I discovered this via XXXX XXXX. It showed that Selene Finance reported the deceased status.
I contacted XXXX approximately XX/XX/XXXX and was told they corrected the issue- the next day my report on. XXXX was reinstated. XX/XX/XXXX my status was again deceased via XXXX.
XX/XX/XXXX all XXXX bureaus list me as deceased. XXXX is the only bureau with the incorrect name.
|
| 12/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Have been repeatedly requesting the payoff of this mortgage since XXXX XXXX. My Realtor and Closing attorney have also requested. We have attempted to escalate several times and still no payoff has been sent. This payoff must be given today or the transaction will not close. It was suppossed to close orignially on the XXXX of XXXX. All Selene Financial says when we reach out is the payoff will be sent today. Each day no payoff is sent.
|
| 05/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My complaint is about an employee of Selene finance who came to our home in XXXX of XXXX and not only harassed my family but also went to my neighbors house and told my neighbors my personal business, we were eventually evicted from the home in XXXX of XXXX, the individual in question also worked as a realtor so he also ended up profiting from the harassment he endured! I made a complaint with the board of realtors that went nowhere.
|
| 12/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
After the servicing transferred to Selene Finance since XX/XX/2020. As of today, XX/XX/2020, Selene Finance hasn't send me a statement for my loan break down and my payment break down.
Based on my record, I reached out to them 5 time since XX/XX/2020, and I still haven't received my statement.
They even marked my payment for past due 37 days and did not want to sent me a statement after 69 days of servicing transferred to them.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/10/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Selene finance took over my mortgage loan XX/XX/2023. I made a payment in the amount of {$3100.00} but when I finally got access to the app they had raised my interest rate from 3 % to 7.1250 % which took my mortgage from {$1100.00} well over {$1600.00} No one at XXXX has offered any documentation as to why this rate was raised. Ive called 4 times and no one has yet to send me the justification on this increase. Please help.
|
| 04/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I can not pay my mortgage for the month of XXXX and XXXX due to both myself and my wife have lost our jobs in New Jersey Covid19 pandemic. I called Selene Finance to ask for a deferral for 3 months until I can get back to work after the dates shutdown ends. They responded that they dont do deferrals only offered me a repayment plan which I could never afford to pay the regular payment of XXXXand additional XXXX per month.
|
| 09/02/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX passed away in 2015 and since then I have been struggling with Selene Finance in giving me any information what so ever to reinstate the loan payments on my mother 's home. Here we are 6 years later and I have no resources to help me talk to the company to work with us. And we are facing foreclosure. I would like to stop it and attempt a loss mitigation application or a payoff anything to assist in keeping my home.
|
| 07/11/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Obtained a mortgage modification signed by us and mortgage holder our payments were put in a suspense account and was not applied to mortgage now stating Im behind now facing losing my home again these people should not be servicing mortgages they update there systems to reflect payments Selene finance LP now they have court date XXXXXXXX XXXX Supreme Court XXXXXXXX XXXX to try to take our home we have no place to go.
|
| 11/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Re : Selene Finance For over a year on numerous occasions we have requested our payment History and documents from Selene Finance. All promises have been broken and hours on hold to speak with a rep. NO REPLY or help of any kind!!
Sent in a payment of {$30000.00} on XX/XX/2022, for principal only and do not see this as being applied.
When I go on our online account you are unable to request this information also.
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello!
On XX/XX/2020 I had ordered a payoff letter from Selene Finance, as my home is being sold. I followed on XX/XX/2020 with the agent, and he said the payoff had been mailed, and he promised to email it to me as well. I just called Selene Finance, and I was routed to some representative 's voice mail.
Please, help me to receive a payoff letter from Selene Finance as the closing is on XXXX
Thank you XXXX XXXX
|
| 06/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
The company did not provide all of my mortgage statements from my last complaint # XXXX. I made payments to Selene Finance as far back as XX/XX/XXXX to the present XX/XX/XXXX. I would like all of my mortgage statements sent to me. We never received one statement. Our XXXX requested multiple times by voice and email that the statements be sent to my home address. I would like all statements sent to my home address.
|
| 05/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was notified on XX/XX/2023 by my homeowners insurance company, XXXX, that they are canceling my insurance in 11 days due to non payment.
I was shocked my lender forgot to pay it, as my homeowners insurancr and property taxes are paid out of an escrow account they hold. I have called to tell them the problem and only been hung up on.
Please see attachement of the email I received from my insurance company.
|
| 01/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX my loan is XXXX with selene finance I'm XXXX payments behind. I applied for loss mitigation I send in proof of income XXXX XXXX a year. Iask for a repayment plan I get letter dates XX/XX/XXXX saying I'm denied for a standard modification reason is I don't have any income and I think they made a mistake here i want to go on a repayment pla to catch up.
|
| 12/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Financial.
I sold my home back in XXXX odf XXXX. I am getting the run around trying to collect my escrow deposit. {$24000.00} They said they mailed it on XX/XX/XXXX but I never received it. Today is XX/XX/XXXX They also said they stopped payment on the list check and we're going to wire the funds. They said they wired the money but I still have nothing. They keep hanging up on me. I need help!!!
|
| 08/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene finance refuses to remove my pmi Insurance witch is XXXX a month despite my property value increasing tremendously.
They say i dont have a good payment history and i was delinquent on my payments.
My load was recently sold and there was a change in investor and servicer so i dont know how they can say i was delinquent if my investor is no longer XXXX XXXXXXXX XXXX Please have pmi removed asap
|
| 04/20/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX, Chief Executive Officer ( CEO ), of SELENE FINANCE LP has been attempting to collect on an alleged debt since XX/XX/XXXX. The debt was already paid/discharged with a NOTE way back in XXXX. There is a pending case in the county court regarding this matter that they took over in XX/XX/XXXX. There is no contract with SELENE FINANCE LP. They are a third-party debt collector interloper.
|
| 10/29/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Attached is a copy of my mortgage statement. As you can see I am current with my mortgage payment. Selene Finance has added a {$770.00} additional charge to my payment. My loan modification was denied and now they are trying to charge {$770.00} for the loan modification. I don't think it is fair for me to pay my mortgage payment every month and this additional fee. Please look into this matter.
|
| 04/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene finance / XXXX XXXX XXXX The above company is a 2nd/junior lein on my property. The cheated us all the way no documentation has been sent to us regarding foreclosure, when i called they said its not their job to notify. It happened in XXXX Arizona where state still have a moratorium till XX/XX/XXXX. These people dont care looks like they all break law when they have to beat the poor.
|
| 05/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Selene finance did not send any documents stating change in loan modification or give me information about new recast Nys haf is looking into where they applied funds and a lawyer is looking in predatory lending practices By trying to put in place a loan modification instead of recast I am still in arrears The bank has not been truthfully with agreement set forth by Nys haf Predatory lender
|
| 09/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have not received a statement for the months of XX/XX/2022 and XX/XX/2022. This is my third request for the XX/XX/2022 statement. Please forward the XX/XX/2022 and XX/XX/2022 statements.
Also I still can not access my account online. There is an issue with the system on your end. I can log on but it says my account data could not be verified. Please see the attached screenshot. Thanks
|
| 11/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/2021, XXXX XXXX : Loan # XXXX Lender : Selene Finance Agent Name : XXXX stated that my loan was approved for a loan modification but never received any paperwork I have asked many times to have it sent to me, they advised that they couldn't because I declined it I stated that was never offered to me I did ask for the recorded call. Right now all I want is for the loan assistance
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello I applied for a loan modification in XXXX XXXX and submitted documents.
Selene requested XXXX months bank statements and I sent them.
I was declined because I didnt send a bank statement from XX/XX/2022 which was over XXXX months ago.
I am requesting my loan modification be reopened & approved because Selene requested XXXX months of bank statements not XXXX months.
|
| 06/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Selene Finance refused to modify my loan or worked a payment plan with me after the foreberance I summited all the proper documents for the loan modification and I even asked to resumed my regular payment and put the Miss payments in the back loan they refused now they want to foreclosed my home after 19 years of hard work as a single mom please I don't want to lost my home.
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Left the home loan to my ex husband judge in our divorce case awarded the home and responsibility for remaining payments to my ex husband. Selene finance is reporting a balance of $ XXXX in default I want this debt removed from my report. We have been divorced since XX/XX/2015. I live in Michigan and the home at XXXX XXXX XXXX in XXXX XXXX remains occupied by XXXX XXXX
|
| 09/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
|
| 07/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have 2 loans with Selene thy modified one loan and continue to tell me that I never submitted documentation to do a modification. I submitted all documents at the same time to the same company. Why are they refusing to modify loan XXXX when they recently modified loan XXXX. Covid caused my income to decline and I am attempting to get my loan modified due to Covid.
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My lender keeps on closing my application without reviewing it. I submitted the application and next thing I know it was already closed. I submitted another one and closed the application again. I have been trying to work with my lender but they are refusing to help me by reviewing my application for loss mitigation/ loan modification. please help me save my home.
|
| 09/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Mortgage was sold while in loss mitigation for XXXX XXXX XXXX Bank refusing to provide documents making process extremely difficult for XXXX Reinstatement amount totally different from what was stated I owe!!! XXXX more than what I owe!
Going to lose family house XX/XX/2021 loan modification was completed Then Covid!!!!!
No break!!! No help for XXXX citizens!
|
| 05/22/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Im facing sheriff sale, I filed modification with mortgage salene months ago only they put me off. So I get a letter in mail from this company to govt program to stop sale immediately help get modification fast.
They took XXXX outta my account and there is no such company and the sale hasn't been cancelled : ( im desperate for help and don't know who to trust.
|
| 10/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The response from Selene Finance to CFPB is incorrect. My application for loan modification the income section is incorrect. Income reported on my application {$4500.00}, Selene reported income to CFPB {$6700.00}. Errors on Social Security amounts. Rental income I reported {$800.00} monthly, Selene reported {$2600.00} of Rental Income on their report to CFPB.
|
| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XX/XX/XXXX. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/XXXX. I need this removed from my credit. Thank you for your time.
|
| 02/01/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My mom passed away on XX/XX/XXXX and her home loan is through XX/XX/XXXX I have contacted them several times to get added as authorize user I have provided all the requested documents and every time I call it seems to be missing documents when I have provided everything and more to get this expedited so I can be added but I keep getting the run around.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Selene Financial XXXX is not complying to the fully executed forbearance / modification agreement, terms & conditions of modification agreement. This problem has been continuing for over 4 months and have not been resolved. I have spoken to them more than 4 times and have also written them certified and regular mail letters to get the problem resolved.
|
| 02/11/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I never got the 3 day mortgage letter transfer from XXXX XXXX either SELENE Mortgage they don't want to talk yo me either the Selene company this company are an scam and also i had call several times to the to fix all this and i had got nothing in respond i need please some one to help me to identify the issue and the lack of servicing of this company.
|
| 07/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XXXX XXXX I applied for haf through XXXX.
My haf application should stop the foreclosure process.
On XXXX XXXX Selene Finance my mortgage company claims to not have anything from haf.
Haf needs them to send my mortgage records And this will stop the foreclosure.
I need Selene to send my mortgage record to haf and remove me from foreclosure.
|
| 11/28/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Older American, Servicemember |
|
On XX/XX/ a payment was made to Selene Finance. On XX/XX/ I received a statement from Selene Finance dated XX/XX/23. It clearly states that a full payment is sitting in unapplied funds dated XX/XX/ If a full payment is sitting in unapplied funds when the statement was generated on XX/XX/ it Clearly states it was not being applied even 9 days later.
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Selene Finance LP continues to put negative information on my credit report for a property on a mortgage that was foreclose in 2011, this has come to light now that I am trying to purchase a new home in my credit report, further more they have sent me a 1099 - C that now is causing me a big financial deficit making me pay in taxes over XXXX dollars
|
| 10/12/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
SELENE FINANCE MY MORTGAGE PROVIDER CHARGED AN ESCREW TO MY HOME LINE OF CREDIT.THIS ESCREW ALREADY BEEN ADDED TO MY ORIGINAL MORTGAGE FOR THE PROPERTY.THEY CHARGING ME TO PAY TWICE TAXES AND INSURANCE FOR THE SAME PROPERTY.I BEEN CALLING THEM MANY TIMES IN LAST XXXX MONTHES AND THEY ARE REFUSING TO REMOVE IT FROM THE HOME LINE OF CREDIT ACCOUNT.
|
| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have submitted to my lender an application to prevent losing my house since XXXX XXXX the lender keeps asking for documents it does not need to make its review in order to make it impossible to apply for mortgage assistance and pursue their goal of foreclosing on my home. They are asking 22 documents including my mom 's who passed away already.
|
| 07/30/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance is stating that payments have not been made for XXXX, XXXX and XX/XX/2023 : Payments made : XXXX {$330.00} XXXX - {$1000.00} XXXX - {$11000.00} Also, when Selene acquired the loan from XXXX taxes were paid, Selene is adding four years of taxes to the loan.
Selene Finance is not updating their records to reflect any of this.
|
| 08/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Selene Finance, declined my loan modification.
Now, Im facing fore-closure.
They said they would help me, but just declined my loan modification.
I make enough money to stay here, The interest rate adjusted from 4 to 8 %!!!!!!!
I need a affordable interest rate to lower my payment.
they are trying to foreclosure while in a pandemic!
|
| 09/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
I send all my documents for the hardship for my mortgage loan account number XXXX to Selene Finance customer service Those documents are bank statements of last 3 months in XX/XX/XXXX, my income taxes, my divorce settlement and sign and return my borrower assistance those documents was sent trough e-mail to their customer service Thanks
|
| 12/15/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
Selene Finance states I have an escrow shortage of {$28000.00}. I called twice to ask for proof. On XX/XX/23 XX/XX/23 To speak to a manager/supervisor and was told that the customer service person could help. That person could not help.
I have my financial advisor to help and he couldnt get proof or speak to the correct person either.
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Reviewing all my complaints to cfpb, the letters I have sent to Selene Finance for Mortgage assistance and Selenes reply to the Bureau, I have found more errors from Selene and unfair practice.
Please review all documents, I havent been helped by Selene only drowning me more with my default amount.
Thank you for your assistance!!
|
| 01/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/21 I received an escrow analysis showing escrow shortage because Selene Finance DOUBLE paid my property tax bill, and is now asking for a higher payment. They were refunded the double payment, and I am asking for a new accurate payment, and have waited several weeks, to no avail. Sitting on hold for an hour gets me nowhere.
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In the XXXX my Mortage Company XXXX discharge my Mortage other lenders been picking this loan up but without the accurate loan amount I need this loan validated with the previous company Selene Financial just picked the loan up in year XXXX of XXXX they are reporting wrong credit history information as well the amount of the loan.
|
| 08/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Previously with XXXX ( had a forbearance agreement to defer payments to end mortgage XXXX ) Made 6 payments with XXXX before transfer to Selene. Then denied by Selene for loan modification due to reduced income. I offered to continue making payments but was told can only pay the deferred amount of {$60000.00} to avoid default
|
| 08/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
for the past three months my mortgage company selene finance has misrepresented my payment history on my monthly mortgage statement, showing an unpaid balance for the month of XXXX, XXXX, and XXXX and applying my mortgage payment to an Unapplied balance account instead of properly applying them to my mortgage payment account
|
| 06/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I disputed the debt and asked for validity of the debt and the original creditor on XX/XX/2023 and received a response on XX/XX/2023. I followed up with a letter stating theyre not the the original creditor and theyre debt collectors in violation of 15 usc 1692a ( 4 ) and also send a cease and desist to stop the foreclosure
|
| 12/02/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XXXX XXXX a trial loan modification agreement was signed. On XXXX XXXX a letter was received requesting one final payment to complete the trial modification. Several attempts were made to contact Selene to address the situation and issue was never resolved by any representatives. Please see attached documents for detail
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have tried to work with my mortgage company and submitted everything they have asked. They placed a foreclosure sale date and stopped my review for help. They advised because they had not received documents but I have been sending them documents for months now with no resolution from them.
Please help me save my home!
|
| 05/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance is making it impossible to change escrow payments to myself. They want the request in " writing ''. And also they want a proof that I paid insurance and taxes when they have been paying them from the beginning as the escrow is currently in place. Please help cancel the escrow payments by my mortgage lender.
|
| 10/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
Asked for assumption of the Loan paper, so the loan can be assumed or refinance.
Asked for information of itemized charges of other on loan statement of charges. Since the Sale date asked for these packages and have not received information.
asked for the original note as well., and detailed account of the loan.
|
| 04/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I've been trying to get a loan modification with my finance company and they continually say that I don't have all the documents so that I will miss the deadline date. They are making it almost impossible for me to get a modification as they also know that I'm on XXXX and need help lowing my interest rate.
|
| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, Today is XX/XX/2021.
I am trying to pay XXXX XXXX XXXX my mortgage payment, but the phones are disconnected and the website will not let me access my acct.
I have recently done a loan modification and this is my 2nd payment with the loan modification payment.
I don't know what to do.
Thank you,
|
| 12/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My complaint is that selene finance has not removed the 60 days late from credit report it shows on XXXX and XXXX. My loan is XXXX I call customer service they told me that they will remove the 60 days off my report but it still shows on XXXX credit report and XXXX my social security number is XXXX
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I completed a XXXX XXXX bankruptcy and it was dismissed. My mortgage company Selene Finance gave me a new loan of which IO have been making my monthly payments on time, in the amount of {$2400.00} for 9 months. These payments are not being reported on my Credit report and they are refusing to do so.
|
| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
My mortgage company Selene Finance been with them since XX/XX/2020 and did not receive a statement and they do not report my payments to the credit report. When I try to refinance my house banks could not find my payment history on the credit report and I do not have any statement to show them.
|
| 10/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
XX/XX/20 To whom it may concern : I am behind on mortgage payments. The mortgage company has blocked my online access to my account. I am trying to file taxes, and can't access relevant tax documents.
I've written and called the company at least eight times in the last week without a response.
|
| 10/25/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Please see attached filing. The lender violated the provisions within the CARES Act with regards to forbearance. I was provided no documentation when the forbearance period ended and the lender requested the entire amount due in a lump sum payment. They subsequently proceeded with foreclosure.
|
| 12/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a letter on XXXX/XXXXXXXX2021, that my mortgage with XXXX XXXXXXXX XXXX has been sold to Selene Finance. I have tried calling them every day since the XXXX of XXXX at XXXX, and all I hear is a recording that their offices are closed. Am I a victim of a scam or something nefarious?
|
| 09/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My three requests for the XX/XX/2022 statement have not been fulfilled leading me to think a statement was not prepared at all, since I have not received it. Please either confirm that you did not generate a statement with a payment due date of XX/XX/2022 or forward the statement. Thanks
|
| 06/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have contacted Selene Finance and they have told me if I can reinstate the past due mortgage balance, the terms of the loan will continue the same. Since my past due mortgage is in the amount of +/- {$94000.00}, they will accept {$50000.00} from HAF and the rest from a family member.
|
| 12/15/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
The mortgage company applied each payment for the year 2023 to the month prior. XXXX apliedto XXXX, XXXX applied to XXXX, and so on. The company refuses to adjust heir records after 3 months of correspondence and after I sent in a breakdown of each month payment was made with dates.
|
| 07/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We applied for a loan modification and were given the highest interest rate, 5.5 %. We have been current but it is extremely difficult to make the monthly payment of {$1600.00}.
We have contacted them to lower the interest rate to make it easier to pay but they want us to reapply.
|
| 03/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I modified my Mortgage in XX/XX/2019 and there is a clause of principal reduction has never happened I have attached a Time line, a set of documents about the modification and three pages of the Pricipal reduction agreement Please help me resolve this or giude me how to proceed.
|
| 06/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a loan Modification and was offered a balloon mortgage where my lender added 21 years to my mortgage and only lowered my mortgage payment by {$400.00}. They are refusing to revisit this and now I am being force to sign off on a balloon mortgage Modification deal.
|
| 02/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Today, XX/XX/2023, received a letter from Selene Finance. Letter explained we have not received your Forbearance payment this month.
Immediately I called Selene Finance spoke to a representative, please see documents attached with my letter dated today to Selene.
Thank you
|
| 07/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am requesting a detailed explanation of the late fees of {$370.00} charged to my account, as noted on the attached statement with a due date of XX/XX/2022. Also please forward the reason {$1000.00} was placed into a suspense account and not credited when received.
|
| 01/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is my third time filling the same complaint with CFPB and nothing is solved.
Is there a different site or government department that can review this company?
As of XX/XX/XXXX. I still haven't received my XX/XX/XXXX, XX/XX/XXXX statements Selene Finance.
|
| 11/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
This complaint is continuation of complaints XXXX.
Received letter from Selene Financial with wrong information of agreement with XXXX XXXX Mortgage Loan of forbearance approved thru month of XX/XX/2021.
Please see letter to Selene, explaining their errors
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have made several attempts to get Selene finance to send me these documents and information.
1. my XX/XX/XXXXmortgage statement. 2. A validation of debt letter. 3.my payment history for the past 12 months. 4.a complete breakdown of my monthly escrow payment
|
| 10/12/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
I told them that my wife passed away, I hit hard times my daughter and I needed a little help to get back on track they just moved forward with the foreclosure process like my wife death did not matter or made any difference in how things were to be done
|
| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance increased my monthly payment by {$79.00} in the month of XXXX and did not provide any explanation or notice that this was being done. I was then charged a late fee because I paid the normal monthly payment not knowing they increased it.
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Selene Finance reported my mortgage late thirty ( 30 ) days. I have never been late since Selene Finance obtained my mortgage on XX/XX/2021. After my initial payment in XX/XX/2021, I usually pay my mortgage a few days before the XXXX of the month.
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/2022 and XX/XX/2022 payments made on time and forced insurance placed when insurance already placed since XXXX. Plus Remove the Loan Modification notice. Law [ 15 U.S.C. 1681 ] Reimbursement needed for DOUBLE insurance policy being paid.
|
| 01/06/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance refuses to take action on our debt affirmation from 2015 bankruptcy. They are placing fees for driving by the house to ensure that we are there and doing the best to keep us from refinancing which we are in a position to now do.
|
| 05/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I had a loan modification at XXXX per month.
Then the interest rate adjusted at the new payment is XXXX per month.
I applied for loan mod and denial when all paperwork was complete.
Were in the pandemic and Im being foreclosed on.
|
| 08/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Im still going because of COVID-19 I have called the mortgage company and ask for a for bearing Relief they have agreed but they have went forward with the foreclosure because we did not come to terms to settle the debt in lump sum
|
| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am having serious issues with property escrow information. Serious issues of late payments for XXXX and XX/XX/2020 being reported on my bureaus credit history. I get no response to my emails or certified mails I send to them.
|
| 02/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My house is on foreclosure and I wanted to get help from my lender because I dont want to lose my house but after calculating my missed payments I should be behind by only $ XXXX. The bank seems to have added $ XXXX in fees.
|
| 08/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Financial became my loan servicer on XX/XX/2022. On XX/XX/2022 Selene notified me that they had added {$12000.00} to my loan for interest charged since the month prior. Why was this amount erroneously charged?
|
| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My prior mortgage provider - XXXX - sold the note to Selene Finance. I called them to see if they would be open to a refinance. The agent straight out said - Selene does not refinance. How ids that even possible?
|
| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Hello I have desperately applied for loan modifications with Selene finance but being told my income is too low.
Now I am requesting a loan forbearance until I can regain gainful employment.
Please help me
|
| 05/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Selene Finance says I missed XXXX, XXXX, and XXXX 's payments which I made. I have proof that they deducted the payments from the account. They started an XXXX XXXX notice against me immediately afterwards.
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Selene Finance has not corrected the 30 days paid late twice on my credit report for the last quarter 2020 as agreed. I have sent proof on my previous complaint and also emailed them directly.
|
| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have made several attempts to rectify all the issues I am having with Selene Finance. The have promised to correct all of the errors that they have made however they have failed to do so
|
| 09/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Please provide a listing detailing all account activity from XX/XX/2022 to the date this request is fulfilled - the months of XXXX, XXXX, and XX/XX/2022. Thank you.
|
| 10/15/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
asked for debt validation and what gives an attorney pc to act as a debt collector here in michigan, as attorney can not act as debt collector, per michigan law.
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
SELENE FINANCIAL LP ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.
|
| 05/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have requested a payment history in 12 emails and 20 telephone calls over the last 2 months. They have yet to send me my payment history.
|
| 10/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am in the middle of a loan modification. They are still reviewing my application. But they set a sale date for XX/XX/2020
|
| 02/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Selene Finance doesn't provide me the access to all my statement not mailed out all the statements to me.
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
My mortgage company is not reporting my mortgage to the credit reporting agencies for the last 2 years
|
| 10/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Selene has made an income monthly amount error. Please see attached documents
|
| 05/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Please See Exhibit 1 Attached ( Also Supporting Exhibits A-F Attached )
|
| 08/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Improper late payment report for lateness on XX/XX/2020.
|
| 02/25/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Fraudulent company selling security does not exist
|
| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Bank account frozen
|
| 02/06/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
|
|
|
| 02/05/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
Older American |
|
|
| 01/25/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Loan sold or transferred to another company
|
|
Web |
Older American |
|
|
| 01/24/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
|
| 01/11/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Fees charged
|
|
Phone |
|
|
|
| 01/08/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Phone |
|
|
|
| 01/03/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
Older American |
|
|
| 12/31/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Phone |
Older American, Servicemember |
|
|
| 12/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
|
| 12/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American, Servicemember |
|
|
| 12/18/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
Older American |
|
|
| 12/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Phone |
|
|
|
| 12/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Phone |
|
|
|
| 12/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Phone |
Older American |
|
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
|
| 11/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Phone |
|
|
|
| 10/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Servicemember |
|
|
| 10/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
|
- Trouble during payment process
- Fees charged
|
|
Phone |
Older American |
|
|
| 10/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Phone |
|
|
|
| 10/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Phone |
|
|
|
| 10/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 09/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 08/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/27/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/22/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 07/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 07/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 07/12/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 07/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 07/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 07/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 07/05/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American, Servicemember |
|
|
| 06/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/09/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Phone |
|
|
|
| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/04/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 05/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 05/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 05/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 05/05/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 04/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 04/21/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 04/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
Older American |
|
|
| 03/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/29/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/27/2023 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 03/21/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/16/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 03/06/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American |
|
|
| 02/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 02/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 02/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 02/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American |
|
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/12/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 01/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 12/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 12/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 12/10/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 11/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 11/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 11/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 11/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 10/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 10/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 10/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 10/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 10/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web Referral |
|
|
|
| 10/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 09/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American |
|
|
| 09/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 09/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/08/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 09/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 08/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/26/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Mortgage
- Reverse mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 08/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/02/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/02/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 08/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 07/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 07/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/03/2022 |
No |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 06/28/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/28/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/25/2022 |
Yes |
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
|
| 06/22/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 06/22/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 06/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/15/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 06/15/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 06/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/08/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
Older American |
|
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/27/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/24/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/17/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 05/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/09/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 04/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 04/28/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 04/27/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web Referral |
|
|
|
| 03/31/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 03/29/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 03/23/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/17/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/16/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 03/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/14/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 02/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 02/15/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/28/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 01/13/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 01/06/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 01/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/15/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 12/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 12/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 11/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/16/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
|
| 11/03/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 10/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 10/14/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 09/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 09/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 09/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/08/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 06/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/23/2021 |
No |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/08/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 05/14/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/05/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 05/03/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/20/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 03/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American |
|
|
| 03/19/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/16/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 02/14/2021 |
No |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/05/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 01/28/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/26/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/20/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/04/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 12/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 12/17/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 12/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 11/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 11/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 11/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 10/14/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 09/30/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Phone |
|
|
|
| 09/29/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 09/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Postal mail |
Older American |
|
|
| 09/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 09/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/11/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/04/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 07/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 06/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/07/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 05/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/30/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 04/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 03/16/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/13/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 01/29/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 01/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 01/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/27/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/24/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|