Consumer complaint received 2022-12-08
Company: Selene Holdings LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  This letter is being sent respectfully in response to Selene Finance LP and their letter post marked XXXX XXXX XXXX in which there is contained a somewhat veiled threat of commencing foreclosure of my home for a debt that does not exist. Included in this same letter is a copy of a old and fully satisfied Note and Deed recorded as transaction # XXXX originated by Washington XXXX XXXX in XXXX I requested the specific name of an individual who would be responsible for reviewing provided documents and still maintain and unjustified claim against my property. 
I am very ill and XXXX at my home and do not need this continued stress. My daughter and I are without the assistance of the family due to losses during XXXX. The records show the account is fully paid. To ignore that is criminal and violates the laws of this state. 
For some reason the correspondence from Selene did not mention the contact with their office where I stated there are no unpaid balances against my home when I provided the representative the full principal and interest payments and date the payments were applied. There are a multitude of fully documented reasons why Selene is in error no balance due is just the beginning and should be sufficient. 
Selene states that they entered into a business arrangement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that somehow facially involves my property. XXXX XXXX was provided with a complete account transcript of the same details provided to Selene XXXX  at XXXX XXXX detailing the full satisfaction of the very same transaction # XXXX included in their letter postmarked to me threatening to take my home by foreclosure. Details of payments are as follows : XX/XX/XXXX Principal payment {$130000.00} Interest payment {$4100.00} TOTAL {$130000.00} The provided detailed transaction sheets continued to show a {$0.00} remaining unpaid balance. I provided additional documentation to XXXX XXXX multiple times fully supporting there is no debt to collect. 
I have no interest in the business dealings of these entities ( Selene, XXXX XXXX and this XXXX XXXX  XXXX XXXX XXXX, not in its individual capacity but as owner trustee for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). 
XXXX XXXX received an official copy of transaction history showing no balance remains with bar code stamp and letter attached. 
CHAIN OF TITLE XXXX XXXX claimed servicing transferred to them from XXXX XXXX to XXXXXXXX XXXX # XXXX for the owner XXXX XXXX XXXX XXXXXXXX ( XXXX ), which would have made all correspondence and communications I had received from XXXX false. 
XXXX confirmed they had no interest in my property when XXXX demanded payments on a transaction # XXXX and XXXX had no records of such an account. XXXX was shut down in my state of Georgia as there were others in this state with the same issue with XXXX. 
XXXX XXXX then demanded payments on a transaction # XXXX as servicer for XXXX XXXX MORTGAGE XXXX ( XXXX ) stating servicing had transferred from XXXX XXXX XXXX XXXX XXXX no record of this transaction either. 
I provided XXXX with all contract transaction numbers and my home address and XXXX had no ties to my property after # XXXX fully satisfied. I have paid dearly for my home and I want peace. 
I understand that industry practice of switching loan numbers as often as servicers, but not when an account has been fully paid. 
According to XXXX under the conservatorship of the XXXX, XXXX XXXX was not servicing this fully paid account for XXXX, therefore XXXX XXXX XXXX had no servicing rights to convey to XXXX Mortgage XXXX XXXX XXXX XXXX. Therefore, XXXX Mortgage XXXX XXXX XXXX XXXX had no rights XXXX convey to XXXX BANK XXXX XXXX XXXX XXXX not XXXX XXXX individual capacity but as owner trustee for RCF XXXX Acquisition Trust c/o XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now demand payments on transaction # XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation