Consumer complaint received 2022-04-07
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
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.

Company response to consumer: Closed with explanation