Selene Holdings LLC

Selene XXXX did respond to my initial complaint ; however they failed to acknowledge their errors and furthermore did not responding back to me when I first gave my loan modification back in XX/XX/XXXX. After cfpb, got involved they took my loan out of foreclosure. However They again failed to communicate in writing to me or my attorney XXXX XXXX whose can be reached at XXXX why my mortgage loan was taken out of foreclosure. Selene XXXX is still refusing to accept or receive a monthly mortgage payment also they engaged in gross legal negligence by not letting me know why they took the mortgage out of foreclosure and why they do not accept any monthly payments. In order to be made whole, they need to accept my mortgage payment. They also increased by monthly mortgage payment in XX/XX/XXXX without letting me know in writing. In previous years XXXX XXXX engaged in similar negligence and therefore were required to provide me with a no documentation loan modification.…

My mortgage was bought out by Selene Finance from XXXX XXXX XXXX on or around XX/XX/XXXX. Since then, I had requested payments in the amounts of {$1000.00} x 4 for XXXX, XXXX, XXXX & XX/XX/XXXX ; as it didnt seem they were applied correctly. They asked for a copy of the ACH payments, I sent it 3 times because they asked for a particular format. They never sent me the payment log in their system. Also, my online portal only goes back to XX/XX/XXXX. I have no record of the previous mortgage company ; XXXX XXXX XXXX. I did file a bankruptcy that I paid back in XXXX, because they threatened foreclosure. My payoff balance was {$71000.00} 3 years ago, and it is now {$77000.00}. I recently had my renters move out on XX/XX/XXXX ; they had many very, late payments for the past 6 years, and it messed my credit up. This was why I had them move out.

I requested payment receipt/proof of payment for taxes paid multiple starting on XX/XX/year>. They have not paid the taxes and are charging me extra money for escrow of the taxes they never paid and now they are refusing to refund the extra money that they withdrew from my account. Original mortgage payment : {$3300.00} Selene XXXX stated that they paid my property taxes in the amount of {$18000.00} on XX/XX/year>. They did not actually pay the taxes as the county has never received the funds and still shows the tax balance as outstanding. Selene finance started charging me {$6900.00} on XX/XX/year> to include the extra money in escrow for the taxes that they never paid. They informed me that I will receive a refund by XX/XX/year>. As of today XX/XX/year>, I still have not received a refund and the company refuses to refund me. They are also refusing to correct the escrow balance to credit the taxes that they have not paid.…

The XX/XX/2026 statement clearly states an amount past due of {$17000.00}, an interest rate of 10 % and a total amount due of {$21000.00}. The previous listed 6 months payments unpaid were listed as {$1400.00} each month. The XX/XX/2026 statement now states an amount past due of {$32000.00}, an interest rate of 19.125 % and a total amount due of {$37000.00}. The previous listed 6 months payments unpaid are NOW listed as {$2500.00} each month, in stark contrast of the XXXX statement. With no notice or explanation provided. Date ( s ) of the error : XX/XX/2026 Amount ( s ) involved : {$14000.00} We have requested a breakdown of the huge difference and why the past payments due are stated to be changed now.

Selene Finance sent me a letter stating that I was approved for a Specified Terms Modification and denied for a Repayment Plan and Forbearance Plan on or before XX/XX/XXXX. On XX/XX/XXXX, I sent written requests to Selene Finance and to XXXX ( the foreclosure counsel ) asking for the full terms, conditions, and details of the proposed modification so I could review what I was being asked to sign. On XX/XX/XXXX, XXXX sent letter stating that I was approved, but again did not include any terms, conditions, payment amounts, interest rate, escrow details, or any explanation of what I was being asked to agree to. The only document provided was a signature page, with instructions to sign it by XX/XX/XXXX. Because no actual modification terms were provided, I sent a second written request on XX/XX/XXXX to Selene Finance, XXXX, and Selenes XXXX XXXX XXXX XXXX Department asking again for all details of the loan modification so I could review the offer before signing anything.…

XXXX I received a letter saying that my mortgage payment would be going up {$1000.00} due to escrow shortage and that I had the option of paying {$8800.00} in order to keep the lower payments. After sending the shortage I was not able to pay the regular monthly payment online because at their website would only take the payment reflecting the {$1000.00} increase, therefore I mailed the XXXX payment and the check was cashed ( canceled checks attached ). When I logged in to make the XXXX payment the same thing happened and the check was mailed and cashed by Selene XXXX. On XX/XX/XXXX after many phone calls that went to voicemail and hang up calls I contacted thru email requesting another escrow analysis to be done and advising them to apply the payments to the mortgage. On XX/XX/XXXX I was contacted by a customer servicer that advised me my loan was in foreclosure and they would not take anymore payments. The only way to bring the loan current was to order a reinstatement.…

Borrower Name : XXXX XXXX XXXX Loan Number : [ Loan Number ] XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date : XX/XX/year> Previous letter attempting to contact These are the problems I have continued to have and when I email or call I can not get to a live person. To Whom It May Concern, I am writing to formally request a loan modification in connection with my active Chapter XXXX bankruptcy. This request is submitted in good faith to preserve my primary residence and to ensure my continued compliance with my court-supervised repayment plan. My financial hardship began following a work-related injury, which resulted in ongoing medical complications including but not limited to post-concussion syndrome and related conditions. These health issues significantly disrupted my ability to maintain stable employment and consistent income.…

Email sent on XX/XX/year> ( no response ) : [ Deleted personal information as instructed ] To Selene XXXX XXXX I am writing this formal email to address the ongoing and severe mismanagement of my mortgage account. Due to a series of internal system failures and a complete lack of professional follow-through by your staff, my payments have been allocated incorrectly, resulting in inaccurate account statements and damaging, unauthorized late marks on my credit reports. Timeline of Events : XX/XX/year> : I contacted Selene XXXX to report the discrepancy. The representative confirmed the error, assured me the account would be rectified, and promised that a notification would be sent to the credit bureaus to remove the late payment marks immediately. No action was taken. XX/XX/year> : I attempted to follow up. After being held on the line for over an hour, the representative disconnected the call. XX/XX/year> ( Follow-up ) : I spoke with a representative named XXXX.…

I have XXXX properties in this loan. Its a bundled loan. I came to know from the county record that there were missing property tax payments for 2 properties. One payment is partially paid and the other one was not paid completely. I called the customer service and was able to speak to a human after several options on the phone menu. It is very hard to reach out to speak to a rep. The rep took notes and was told that it takes about 7 - 10 business days. The tax is delinquent and the lien may be imposed on the property. the interest charges will accrue. The payment was due XX/XX/XXXX.

This complaint is filed for explicit violations of Regulation X of the Real Estate Settlement Procedures Act ( RESPA ), specifically 12 CFR 1024.41 ( Dual Tracking Prohibitions ) and 12 CFR 1024.35 ( Error Resolution Procedures ). 1. Underlying Servicing Violations & Illegal Dual Tracking The mortgage was transferred to the servicer at the beginning of XXXX. Payment assistance was immediately sought, and a signed XXXX form was requested from the company to secure third-party aid. The company systematically withheld this document for over four months, finally providing it in late XX/XX/XXXX only after a formal Better Business Bureau complaint was filed. On XX/XX/XXXX, two months of mortgage payments were submitted and accepted. On XX/XX/XXXX, the company 's automated online system generated and delivered an official email confirmation stating that a mortgage assistance/loss mitigation case had been opened.…

I am still having issues with Selene Finance. I recently spoke to XXXX XXXX who sent me a new loan modification document to have notarized and signed and again. He also told me that I would have to make the payments by wire transfer. I haI also informed him that negative info was wrongfully reported to all 3 credit bureaus stating that I havent paid. This was done despite me sending checks for XXXX and XXXX payment. They destroyed my checks and didnt apply them to my balance. XXXX XXXX told me to dispute the negative credit reporting and didnt offer to have it corrected despite admitting that the credit reporting shouldnt have been done and me receiving a letter stating that credit reporting wouldnt happen for 60 days in from the date of the letter in XXXX. I disputed the negative credit reporting and received notice that XXXX stated that my dispute didnt go in my favor because Selene Finance stated that the reporting was accurate.…

My loan was recently transferred, and because Selene Finance system was not fully onboarded or ready to accept my payment within the first XXXX days, I need to process a formal payment deferral for this first month. I am invoking my XXXX RESPA transfer protections, and I need this missed payment pushed to the end of my loan term, so my account remains current. I called Selene Finance LP around XXXX XXXX AS it is a transferred effective date to double checked with everything between XXXX XXXX XXXX At that time, they said their system couldn't located my account in the system and the XXXX agent lady from XXXX told me that " I have XXXX protection from transferring process. No worries and my first payment due on XX/XX/XXXX. She never mentioned that I will owe two months. '' Then, I received the statement that states I owed two months, so I managed to call the XXXX agent around XXXX before I made my XXXX payment per the XXXX agent.…

I. Background I requested a transaction history from XXXX XXXX, which previously served alone, and received it via email on XX/XX/XXXX. Reviewing this transaction history, it seems wrong. A copy of the transaction history as attached. Even the initial balance of the loan, as seen on the transaction history, is incorrect : on XX/XX/XXXX, the earliest date visible on the history, the balance of the loan is shown as {$280000.00}. However, the original loan balance when I received this Loan from XXXX in XX/XX/XXXX was {$170000.00}. The amounts shown on the transaction history in the years that followed are also wrong, as seen when compared to the amount, and most of the loan modifications I received throughout the life of the Loan.…

I have a VA mortgage loan with Selene Finance XXXX XXXXoan # XXXX. I started a VA assumption process to sell my home on XXXX XX/XX/year>. It is now XXXX XX/XX/year>. The company has slow walked everything for this process to include : getting thr necessary documents to the seller/buyer ( took almost a month ), failing to respond to seller and buyer, and now no responses at all since XXXX XX/XX/year>. I just recieved a letter in the mail that Selene is selling my loan to another company, affective XXXX XX/XX/year>. This will surely restart the process as they will probably not close on this process before that time. Selene has cost me {$17000.00} in processing delays and will continue to cost me if they sell this loan before closing on this VA assumption. Moreover, it delays the buyer, another Veteran and his family, from moving into their home. Inam seeking immediate resolution to this issue. They have had all the documents they need since mid XXXX.…

XXXX submitted XXXX, uploaded add ' l doc. ( sent incorrect form ), corrected on XX/XX/XXXX when I realized I had sent incorrect docs., call servicer and was indicated my modification was closed because I did not submit correct doc. by XX/XX/XXXX. On letter rcv 'd dated XXXX the deadline was XX/XX/XXXX. I only found this XX/XX/XXXX date out after receiving letter via e-mail on XXXX. XX/XX/XXXX, Sent on XX/XX/XXXX ( had a difficult time opening this file on way they sent it ). Rcv 'd certified on XXXX ( date of sale ). On XXXX stmt. a sale publication was charged to my acct for {$500.00} on XX/XX/year>. Dates and communications are out of site!! Dual tracking and due diligence is in order for this one. Please see all docs. attached.

Selene Finance is violating Federal Law under RESPA. RESPA allows mortgage companies to apply a XXXX month cushion for escrow accounts. Selene Finance is charging me more than a XXXX month cushion for my escrow account in the amount of {$2000.00}. My cushion should only be {$1000.00} based on my estimated disbursement balance and my monthly payments should be {$2000.00} a month instead of {$2200.00} a month. On XX/XX/XXXX, I owed {$5100.00} in property taxes. On XX/XX/XXXX, Selene Finance gave me an escrow advance of {$2100.00} due to having {$2900.00} in my escrow account. On XX/XX/XXXX I made a mortgage payment, which included paying {$330.00} towards my escrow. This left my escrow balance at- {$1800.00}. On XXXX XXXX I made a mortgage payment, which included paying {$330.00} towards my escrow. This left my escrow balance at- {$1500.00}. On XX/XX/XXXX I made a payment towards escrow in the amount of {$1100.00}. This left my escrow balance at- {$330.00}.…

I am submitting this complaint regarding Selene Finance LPs handling of my previously approved loan modification and the subsequent issuance of a loss mitigation denial and Notice of Default despite my documented good-faith efforts to obtain clarification prior to the modification deadline. I previously filed a CFPB complaint after Selene failed to provide a breakdown or explanation of the proposed modification calculations despite multiple phone calls and written requests for clarification before the execution deadline. On XX/XX/year>, Selene finally provided a substantive response through the CFPB process, including a breakdown of the modification figures, escrow advances, suspense balance credits, and deferred balances. However, this information was not provided until after the modification had already been terminated.…

* Filed Bankruptcy XXXX XXXX on XX/XX/XXXX * Bankruptcy XXXX XXXX confirmed on XX/XX/XXXX * Mortgage company continues to send statements to bankruptcy attorney instead of me * {$4800.00} was put into the XXXX XXXX Plan to pay through Trustee. Which was the amount past due when bankruptcy was filed. * Bankruptcy Attorney has sent mortgage company a letter asking them to communicate with me twice. * I have requested in writing three times for statement to be mailed to me directly. * Mortgage company continues to roll this amount into the statements each month instead of putting them in the bankruptcy account where the Trustee will pay them. * Mortgage company continue to ask for the arrearages each month. * Mortgage company does not know where or show where the past four months of on time payments are being placed. * Mortgage company states there is only {$8.00} in a suspense account and not the past four months of payments.…

To Whom It May Concern, I am submitting this formal complaint regarding repeated accounting and payment processing issues with my mortgage servicer, Selene XXXX XXXX. I am also requesting that my mortgage servicing be transferred to a different servicer due to ongoing problems that have caused financial hardship, unnecessary stress, and significant amounts of time spent attempting to correct their errors. In XX/XX/year>, Selene XXXX withdrew two mortgage payments from my account when only one payment should have been taken. I contacted Selene XXXX and requested that the duplicate payment be returned. Initially, one payment was returned to me by check, and then another payment was later returned directly to my bank account without my knowledge or authorization.…

I have reached out to Selene XXXX after closing the loan multiple times to get a response on the refund from over payment for the loan closing and escrow balance and I keep getting different information all the time. It was only after calling them recently that they mentioned the check was returned and they didn't thought to inform. It felt to me as if they wanted to keep the money instead of returning it to me.

I am submitting this complaint regarding my mortgage loan serviced by Selene Finance LP and the handling of my loss mitigation efforts and payment attempts. I fell behind on my mortgage due to a temporary financial hardship. However, my hardship has since been fully resolved, and I informed Selene Finance XXXX XXXX that I am now financially able to resume full monthly mortgage payments of approximately {$4200.00} per month. Despite my willingness and ability to pay, Selene Finance repeatedly declined or refused payments while my loss mitigation application was under review. During this process, my delinquency continued to increase. I submitted a complete loss mitigation application and later filed an appeal after my initial denial. The appeal was denied on the basis that my hardship had not been resolved, even though my application specifically stated that my hardship was resolved and that I was able to resume regular payments.…

I am the co-borrower on my daughter 's home loan for her house in XXXX. The loan originated with XXXX XXXX around XX/XX/XXXX and was sold from XXXX XXXX to Selene Financial in XXXXXXXX XXXX. My daughter and I did not know the loan was sold before she had sent an early payment of {$1800.00} on XXXX XXXX for the XXXX payment to the original lender XXXX XXXX. My daughter received a welcome letter from Selene on XX/XX/year>. XXXX wired the funds to Selene Financial on XX/XX/year>. Selene has still not applied this payment to my daughter 's account. She has since made her other payments online and on time but not without hardship. I and my daughter have both contacted Selene on numerous occasions. I sent emails with documents to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called them numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an agent for Selene that a supervisor would call me back within XXXX hours. They did not call me back.…

On XX/XX/year>, I submitted a loss mitigation application to my mortgage servicer via email. The servicer 's automated system confirmed receipt the same day. I received no written notice of incompleteness at any point following submission, as required under 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ) within 5 business days of receipt. My application is therefore facially complete under 12 C.F.R. 1024.41 ( c ) ( 2 ) ( iv ). Despite my pending and facially complete loss mitigation application, the servicer 's foreclosure trustee conducted a foreclosure sale of my primary residence on XX/XX/year>, in violation of the dual tracking prohibition under 12 C.F.R. 1024.41 ( f ) and California Civil Code 2923.6 ( c ). When I contacted the servicer 's loss mitigation department on XX/XX/year>, the representative stated there was nothing they could or would do and refused to transfer me to a supervisor, stating a callback would take two business days.…

This is the 2nd time this company has done this to me. They have force placed lender insurance on my mortgage when they have my evidence of insurance on file. We went through the same thing in XXXX with them. I kept on sending them my evidence of insurance from XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) and they kept on rejecting it until I got the CFPB involved. See prior complaint ID : XXXX The last policy we sent them was from XXXX. It was that same policy that cleared up the forced place insurance issue last time around. Now after only a few months, they are claiming that they don't have my insurance and have force placed a new lender policy with a high cost of {$5500.00}. Hold them accountable as they keep on doing this to me and I am sure others. I feel like they are trying to discriminate against me and are attempting to drive up my mortgage payments to foreclose on my property.…

XXXX XXXX sold our loan to accompany named Selene finance who is a subsidiary company of XXXX. Our mortgage payment was XXXX it is now XXXX due to this company telling us our mortgage analysiss were incorrect the last 6 years and we are now XXXX grand in the hole. Not our fault. You can not contact anyone at Selene. Customer service requires you to send any questions to one email account. You can not speak to anyone in the loan modification department. They wont give you an address in any of these documents that should be in my portal are not available 21 days ago I contacted them for a copy of the loan modification. We did four years ago in order to read all of the terms. I was told it takes 8 to 10 business days. That request has now been made three times and I still have not received the information that I have requested when I just called again and asked for supervisor I was told I need to email and request a call from a supervisor that I may receive in 48 hours.…

Numerous attempts to obtain my loan modification paperwork with the request not fulfilled. Past the ten business days they promised according to their own policy. Would not let me talk to a supervisor.

On XX/XX/year>, I spoke with a Selene representative regarding my delinquency status, repayment options, and the impact on my credit. During that call, I was advised that if I entered into a repayment arrangement or modification process, the account would not be reported to creditors and prior credit issues associated with the delinquency would be resolved. I have a transcript of that conversation. Then, on XX/XX/year> at XXXX XXXX., I placed a call to Selene and remained on the line for approximately XXXX minutes. My call records show that this call was made to XXXX, a Selene phone number. During that call, I was told that Selene would set up a loan repayment plan, that I needed to make a {$270.00} down payment, and that the remaining delinquent balance would be spread over the next XXXX monthly payments. During that call, I also provided my credit card information to complete the arrangement.…

I requested clear and complete information regarding the status of my loan modification application. Specifically, I asked my mortgage servicer to provide : * Confirmation of whether my loan modification file has been submitted to FHA * The exact date my file was submitted to FHA for review * Any FHA case number, claim number, or reference ID associated with my application * A current and accurate status of my loan modification review * A final decision ( approval or denial ), or a clear timeline for when a decision will be made * Clarification on whether any documents or information are still missing from my application * Confirmation of whether my loan is currently in foreclosure review or if a foreclosure sale has been scheduled My application was marked complete on XX/XX/year>, and despite repeated requests, my servicer has not provided this information and continues to state only that they are waiting on FHA without any supporting details.…

In XX/XX/XXXX, Selene Finance LP placed my loan into escrow after paying property taxes on my behalf, citing delinquent taxes and creating an escrow shortage. The timing of these tax payments raises concern, as they appear to have been made before the taxes were actually due. This suggests that the escrow shortage and resulting account changes may have been caused by premature disbursement rather than true delinquency. I subsequently requested removal of the escrow account. Selene denied this request in XX/XX/XXXX, stating that the account did not qualify due to : An escrow advance balance A late charge balance Recently paid delinquent taxes After receiving this response, I satisfied each of the conditions they identified. I paid the escrow-related balance, paid all late charges, and brought the account fully current. Once these conditions were met, I submitted a formal request for escrow removal and re-evaluation.…

I am submitting this complaint regarding Selene XXXX XXXX continued failure to comply with federal mortgage servicing laws. Selene XXXX recently sent correspondence dated XX/XX/2026, identifying itself as a debt collector and assigning a single point of contact while attempting to position my account for loss mitigation. However, this communication ignores multiple unresolved disputes previously submitted. I have asserted : Billing error disputes under 12 C.F.R. 1026.13 ( TILA ) Notices of Error and Requests for Information under 12 C.F.R. 1024.35 and 1024.36 ( RESPA ) Disputes regarding the identity of the true creditor and party entitled to enforce the note Concerns regarding chain of title and servicing authority Despite these unresolved issues, Selene XXXX continues to treat the account as valid and subject to collection activity.…