MEMO : XXXX by Selene Finance The following timeline chronicles the ongoing administrative and accounting errors made by Selene Finance, a known predatory lender, re : the loan product for XXXX which has put her mortgage account in a default status and inc an " intent to foreclose '' notification. 

Selene Finance purchased XXXX loan from XXXX in XX/XX/XXXX. XXXX scheduled on time/online bill pay through her credit union that same month. Since XX/XX/XXXX, Selene Finance has created a mortgage default/intent to foreclose event for XXXX due to its poor fiduciary and administrative errors which has created a significant hardship for XXXX. Their actions include the following : XX/XX/XXXX : Selene Finance XXXX reports to credit bureau a N/R rating for payment failure which was incorrect. XXXX sends Selene Finance canceled check of on-time mortgage payment. 
XX/XX/XXXX : XXXX receives letter stating mortgage is in default citing XXXX missed mortgage payments XXXX XXXX XXXX / XX/XX/XXXX ). 
XX/XX/XXXX : XXXX contacts XXXX to investigate and its determined that Selene Finance never notified XXXX of change in escrow for XX/XX/XXXX. XXXX makes one-time payment to bring account current. 
XX/XX/XXXX : XXXX receives notification of change in escrow for XX/XX/XXXX ( six months later ) XX/XX/XXXX : XXXX contacts Selene Finance re : status and is notified that she is still in default as " payments may not be posted until after the XX/XX/XXXX. '' XX/XX/XXXX : XXXX reschedules online bill pay to send checks out earlier and with a monthly mortgage overpayment XX/XX/XXXX : Selene Finance reports to consumer credit bureau that account is current XX/XX/XXXX : XXXX receives notification from Selene Finance that account is in default XX/XX/XXXX : Selene Finance admits to incorrectly applying another lendee 's payment to XXXX 's account. XXXX 's mortgage payments are neither credited to her account nor returned to her. Selene Finance decides to process any payments sent since XX/XX/XXXX. 
XX/XX/XXXX : With XXXX, XXXX files complaint with CFPB and requests payment modification from Selene Finance XX/XX/XXXX : XXXX reaches back out to XXXX who contacts Selene Finance who states that payment modification as denied in XX/XX/XXXX because XXXX " failed to provide requested documentation. '' All documentation requested by Selene Finance in XX/XX/XXXX was provided in a timely manner by XXXX on XXXX 's behalf. Selene Finance states all documentation must be updated and resubmitted in order to review request. 
XX/XX/XXXX : XXXX receives " notice of intent to foreclose '' dated XX/XX/XXXX. XXXX contacts litigation XXXX. 
XX/XX/XXXX : XXXX resubmits complaint to CFPB NOTE : XXXX has consistently paid her mortgage via online bill pay with Selene Finance since XX/XX/XXXX. She has overpaid her mortgage via online bill pay with Selene Finance since XX/XX/XXXX. Selene Finance has declined to post on time payments to XXXX 's account since XX/XX/XXXX. Payments have neither been processed nor returned to XXXX. 

NOTE2 : My neighborhood is an " up and coming '' XXXX neighborhood which has seen tremendous growth despite the housing crisis. My property has almost doubled in value in 11 years. Selene Finance has created this " dynamic '' so it can steal my property.