Consumer complaint received 2023-05-05
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
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.

Company response to consumer: Closed with explanation