Consumer complaint received 2023-03-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (VA)

Dear Consumer Finance Protection Bureau, My house is in default as of XX/XX/XXXX, without my knowledge. Also, it is in preforclosure as of XX/XX/XXXX without my knowledge as I have received no documentation. I received documentation at XXXX law group on XX/XX/XXXX during a private consultation which cost me {$370.00} for 1 hour. I was also informed that two servicer were supposed to when I asked over the phone for information for the account was supposed to be given to me, no questions asked, according to federal law. This is my complaint. This started on XX/XX/XXXX, when I asked for my deceased husbands loan mortgage information from XXXX  XXXX XXXX and they refused me and I needed to send them an email with the XXXX  paper with two documents : one XXXX  paper and my husbands death certificate and email, which I did. I called them and they told me I emailed it to the wrong email address, so I re-emailed it again. This happened 6 times even though I sent it to the correct email address. I did up until XXXX of XXXX. I missed my payment in XXXX, but I made two deposits in XXXX for XXXX. One was taken out on XX/XX/XXXX, with my debit card, and another was supposed to be taken out on XX/XX/XXXX, which was never taken. In XXXX, I missed my payment again, but I dont remember why. I received a default letter on XX/XX/XXXX. I called them and I thought I made a payment for {$1400.00}. On XX/XX/XXXX I was in a collision, driving my son to college at XXXX. I was hit by a vehicle running a red left hand signal and my car was demolished and my son and I were seriously injured. We were both taken to the emergency room and my car was totaled. I managed to make my payment on XX/XX/XXXX, I paid in XXXX and XXXX. I was bed ridden and traumatized due to my injuries and I retained a lawyer and when I was able to drive again we went to our local library and faxed a 17-page document with the emails I sent, the deed they requested. I called XXXX that evening, and they told me that my account was transferred on XX/XX/XXXX. I had no knowledge of this. I asked them wear to make my next payment. I said I must make my payment in XXXX. XXXX told me they were not accepting anymore payments and they gave me Selenes phone number. I told them I had not received anything in the mail from XXXX  or Selene. So I waited. I received correspondence from Selene stating that my account would be up online on XX/XX/XXXX, but it was not when I called. I called a few days later. I received a letter of transfer from XXXX sometime in XX/XX/XXXX. I spoke to a man who told me he was going to mail me my statements and modification papers, but I didnt want one I never received anything from them or anybody else about my account. XXXX never acknowledged my existence and totally ignored my correspondence. And XXXX took my 17-page fax that I sent to XXXX and changed my mortgage to there liking without my knowledge or consent. They also refused to give me my information or accept my payments. So now I am in a position where I am backed into a corner. They prayed upon me because they knew I was vulnerable and that they were stealing my house from under my feet. But I realize now what both companies have been doing to me all along and I want XXXX percent retribution for what they have done to me and my reputation and my credit. I have been living upstairs in my house because of the flood I had downstairs in my home and I have had a serious spout of XXXX on my XXXX. I could have had my house done downstairs and repaired from the damage, but it is full of mold which is a health hazard. I had to have my check for XXXX XXXX dollars changed 3 times because of the date, which can be depreciated because it is over a year and who is going to make up this loss now? Secondly, I have had a chance to get a grant from the city to fix the outside of my home repaired which is badly needed, which has been delayed due to the negligence of these two loan servicers. They hurt my credit severely and ruined my reputation in the neighborhood. This has delayed my recovery from my accident and put off all the things I needed to do, including my personal business. It has caused me pain, anxiety, and stress. It also ruined my concentration and getting on with my life and made me spend money I needed to spend and caused me all kinds of emotional pain and anxiety which does not help me at all. I am XXXX and have had XXXX  XXXX XXXX along with also being a senior citizen and recently becoming a widow, which Is why I think they are discriminating and taking advantage of me. Also, I just called my loan servicer, Selene Finance LP and learned that my house will be sold on XX/XX/XXXX. This is happening without me being notified at by any correspondence whatsoever ( meaning they never sent me a letter in the mail concerning this ). Selene Finance LP never sent me any paperwork in the mail saying that they put the house in default ( I got the default paper on Monday from an attorney ) or a letter saying that my house was put into foreclosure. This was all after I asked for a forbearance/deferral letter. I had to also write a hardship letter to them because I had no choice because I did not want to lose my house, but I did not want to write it. Also, I am XXXX and have had XXXX XXXX XXXX, meaning I am unable to work. Also, my husband died on XX/XX/XXXX, and I recently became a widow. I am on limited income and get XXXX and two small pensions, so I am unable to afford to hire a lawyer or attorney on my own. I had a consultation with an attorney on Monday at XXXX XXXX XXXX, and they told me you could get me an attorney for me. I want Selene Finance LP to send you all of the 67 documents and 17-page fax I sent them via XXXX on XX/XX/XXXX. I believe that these two companies violated federal law. I need an attorney. Please help me. 

Sincerely, XXXX XXXX XXXX