Consumer complaint received 2016-04-29
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage loan that is delinquent not by my hands. I have received state assistance for the past year and tried working with the mortgage company for some kind of relief. They have not returned any calls I get statements mailed stating I owe one amount and when I call customer service they say a different amount. I have owned my home for 22 yrs. I have recently accepted new employment which will enable me to make my payments. I have called to work something out with them the only thing I am getting is a run around. The worst thing about this is this company is only the servicer of the loan. I have had my loan transferred 3 times from XXXX to XXXX and now with XXXX XXXX a/k/a XXXX XXXX in the past three years. Recently the loan has been assigned 3 different times to different attorneys in the past 2 years. After contact in XX/XX/XXXX when the last payment from the state assistance stopped to work something out to no avail I had a XXXX XXXX in XXXX XXXX XXXX. I have my XXXX payment but I am being told if I try to submit any funds they will be returned. In addition to getting XXXX different amounts owed my payments have decreased and they will not tell me why. I know they should have increased? My first modification was supposed to be 2 % for 3 years, 3 % for 2 years, 4 % for 1 year and max out at 5 % for the loan duration my current statement is reading 2 %? I also have a loan modification that was recorded in XXXX XXXX canceling the les pendence due to a completed modification agreement. I have never signed anything with them? My written statement states {$14000.00} due when calling in XXXX they wanted a flat {$5000.00} in my most recent call this past Tuesday it is now XXXX? My payments were {$710.00} with an increase due this year but they are saying my payments are {$640.00}? I ca n't get a straight answer. My loan is owned be XXXX XXXX XXXX and division of XXXX XXXX and finance by Selene finance. I just do n't have even XXXX but I can make my mortgage payments and I am willing too but I am getting no where. I do n't want to lose my home over {$6000.00}. however given my physical condition I ca n't handle the stress of this either. I really feel like this company ripped the state of Florida off by {$32000.00} and change as well as only offering me a Harp/Hamp modification which I do n't qualify for as my loan was modify once before by XXXX. I owe XXXX with a {$28000.00} balloon payment and now with Florida hardest hits funds there 's an additional almost {$48000.00} mortgage on this home. The value is n't there for me to sell. XXXX. I have been divorced since XXXX XXXX the only thing I got from all those years in the house I raised my children in. Trying to have peace in my life and work with the mortgage company has caused me a XXXX XXXX. Please someone look at the information I am providing to you and let me know if I am correct or not about this issue. Like I said I have XXXX 's payment and I am able to continue at this time to make my payments but I am very sick and I can not handle the stress. I have hard copies of the XXXX modification offers ( Harp/Hamp ), all the hardest hit information and all of my mortgage statements along with acceleration demands for payments while receiving hardest hit funds however, I will have to fax these I also have the letters of transfers to attorneys ( Fl ). I have the XXXX XXXX paperwork, I have the divorce paperwork and court contempt due to not obeying judge 's orders of providing quit claim deed in timely manner as ordered. I have spoke with Dept of HUD and that I where I am getting my information about not qualifying for a modification at least not what I have been offered. I have done my homework and tried my best to work on righting this wrong that my ex-husband caused. Please help if possible.?

Company response to consumer: Closed with explanation