Consumer complaint received 2015-08-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

I bought home in XX/XX/XXXX taxes were escrowed for {$3800.00}, my loan was transferred to Selene Finance in XX/XX/XXXX my property taxes were {$4900.00} so there was an escrow shortage according to Selene the amount was {$750.00}. In XX/XX/XXXX I paid for the shortage in my escrow. My mortgage increased by {$62.00} to make up the escrow shortage. In XX/XX/XXXX my property taxes were {$3100.00}, a difference of {$1800.00}. In XX/XX/XXXX I was two month behind on my mortgage but I had not received credit for my overage in escrow from Selene Finance. My loan was transferred to XXXX XXXX XXXX in XX/XX/XXXX but Selene Finance never transferred over that there is an overage in escrow for XX/XX/XXXX. I was behind two months because I was working on a modification with XXXX XXXX a t Selene this lasted for 9months. When XXXX XXXX XXXX got my loan my mortgage payments should have been {$1800.00} but this was never reflected because I was on a payment plan with Selene to pay {$1900.00} because I had requested a modification. I paid this extra amount for one year and still no modification nor credit for {$1800.00} for XX/XX/XXXX. In XX/XX/XXXX my flood insurance decreased by {$530.00} so now for XX/XX/XXXX my mortgage should be around {$1700.00} but I was still paying XXXX {$1900.00}, because Selene never transferred that new escrow and payment plan. I kept telling XXXX that I was owed escrow amounts from Selene they said that they could not do anything I had to go after Selene. This seemed ridiculous to me, but I called Selene and they said they transferred over the escrow to XXXX. After much debate with XXXX they finally reviewed my account in XX/XX/XXXX and saw that I was owed {$2600.00} for escrow and for the overage in payments I was making I had to debate with them for over 6 months for this to happen, but they still did not credit me for XX/XX/XXXX. A new person started to work on my modification at Planet Home lending XXXX and we came up with a plan for me to pay {$1900.00} for XX/XX/XXXX in XX/XX/XXXX I would pay {$4500.00} in XX/XX/XXXX I would pay {$1900.00} and XX/XX/XXXX I would pay XXXX and my account would be up to date for XXXX 's payment of {$1700.00}. So from XXXX to XXXX I would pay them {$14000.00}. Ok so let 's do the math. They credited me for {$2600.00} for XX/XX/XXXX shortage, I continued to pay monthly payments of {$1900.00} to cover past months. I have a suspense account with about {$1000.00} in that account in XX/XX/XXXX. If we add all I have paid and what they were proposing for me to pay the total would about {$14000.00} as credit to my account from XX/XX/XXXX to XX/XX/XXXX.I called every month and I kept asking them about the numbers being wrong they told me they would work itself out. Instead of their plan I paid the {$1900.00} in XX/XX/XXXX, XX/XX/XXXX {$2500.00} in XX/XX/XXXX I paid {$1900.00} in XX/XX/XXXX they are asking me to pay {$7100.00} in XX/XX/XXXX to cover XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Then in XX/XX/XXXX I should pay my regular {$1700.00} a total of {$13000.00} inclusive of XX/XX/XXXX payments versus their proposal where I would pay {$14000.00} inclusive of XX/XX/XXXX, a difference of roughly of {$13000.00}, not to mention what is in my suspense account of about {$1000.00}. I try to explain to the people at XXXX the numbers and they do not seem to get it where are their numbers coming from? And why have I not received credit for my {$1000.00} in the suspense account I am attaching a statement from them I printed showing they did not give me credit for my suspense amount as per the conversation I had with XXXX on XX/XX/XXXX. Where is my escrow from XX/XX/XXXX and my extra money in the suspense account.