Consumer complaint received 2022-07-26
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
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.

Company response to consumer: Closed with explanation