Consumer complaint received 2015-05-29
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After Selene began servicing the loan, they in turn sent the following to me : 1 ) an XX/XX/XXXX 'Validation of Debt Notice ' letter and 2 ) a XXXX page document dated XX/XX/XXXX titled 'Loss Mitigation Notice of Determination Letter ' - this letter was a form letter that outlined XXXX things ( Modification - 'Approve ', DIL - 'Eligible ', & Short Sale - 'Eligible ' ). It said, if I wanted to proceed, sign the form or call them by XX/XX/XXXX ( I signed the form XX/XX/XXXX and sent it to my HUD Housing Counselor and I personally sent the signed form electronically, on XX/XX/XXXX, with return receipt ( which Selene opened XX/XX/XXXX ). 

In the meantime, I had XXXX days to dispute the XX/XX/XXXX 'Validation of Debt Notice ' and I did so via Certified Mail ( in the form of a Qualified Written Request ) on XX/XX/XXXX. In time, the assigned SPC direct dialed me on XX/XX/XXXX and asked what I wanted to do, I told them I want to remain in the home and I was waiting on their response to the Debt Validation QWR, because there were Corporate Advance fees and other amounts shown on the Monthly Mortgage Statement, when compared to the total on the Debt Validation Letter, which were unexplained ( the total amount due is still inconsistent ) ; I had yet to get a Trial Modification Agreement. On XX/XX/XXXX Selene sent a written response to my XX/XX/XXXX Debt Validation QWR and indicated on page XXXX of their letter that I had a Trial Modification that started on XX/XX/XXXX. I never received a Trial Modification Agreement or even a 'Verbal ' agreement and they had just called me to discuss the loan on XX/XX/XXXX. 

Therefore, the Housing Counselor did call Selene on XX/XX/XXXX XXXX stated the they needed communication stating I did not have an attorney, thus the Housing Counselor confirmed to me this was faxed to Selene ) ; as follow-up, the Housing Counselor called Selene again on XX/XX/XXXX and the Selene agent could see a monthly amount in their system, but they did not see where an actual Trial agreement was sent to me or communicated ; the Housing Counselor was curious too, because Selene never stated what 'type ' of Modification they recorded. On XX/XX/XXXX, the Housing Counselor emailed me, to see if Selene had sent a Trial Modification ; they had not. By XX/XX/XXXX the Housing Counselor checked again with me to see if Selene had corresponded ; they had not. 

After patiently waiting, on XX/XX/XXXX, I called Selene and asked what was going on with the loan and was told they could not tell me anything, because I had an attorney ( I never had counsel with them ; my Housing Counselor sent the letter stating this back on XX/XX/XXXX ). On XX/XX/XXXX, I was told by XXXX to DISREGARD all prior Selene communication. 

I resubmitted a Modification Package on XX/XX/XXXX ( it was promptly denied on XX/XX/XXXX and I had called that very day for an update and was not informed of this ). Then, I appealed the denial on XX/XX/XXXX ( Selene responded in a XX/XX/XXXX letter saying I could not appeal, because I was revealing new information, thus the appeal was not valid - Selene again told me to submit another Loan Modification Package ). Also, on XX/XX/XXXX, Selene finally responded to HUD that I had refused their Loan Modification - Selene did not say this in their CFPB response on XXXX. 

I submitted another loan modification package on XX/XX/XXXX ; Selene notified me that it they would make a decision by XX/XX/XXXX. I called on a few times each week thereafter and was told, on XX/XX/XXXX the Underwriters review was complete and it was sent to the Quality Control Team. On, XX/XX/XXXX and I was told the file was denied on XX/XX/XXXX ( not enough income ) and the QC Team 'Approved ' this on XX/XX/XXXX.

Company response to consumer: Closed with explanation