Consumer complaint received 2016-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (CA)

Sometime in XXXX of XXXX, my husband and I purchased a home XXXX. In XXXX of XXXX, we were approved by our then Mortgage Lender XXXX XXXX Bank XXXX for a Loan Modification, in which our payments would be modified for the principal and interest for the life of our loan in the amount of {$4000.00} monthly. In addition, I paid on my own Property Tax and Property Insurance for my home. Sometime in XXXX, Bank XXXX XXXX XXXX XXXX acquired XXXX XXXX Bank XXXX, and my loan was transferred to XXXX. Then sometime in XXXX our loan was then transferred to another Lender, which was XXXX XXXX, XXXX, XXXX XXXX XXXX this is when I noticed our payments were handled incorrectly. However, I was communication with both XXXX and XXXX, which they promptly assisted me with the discrepancies. During that time, my loan again was acquired by another mortgage company, Selene Finance XXXX ( Selene ). Prior to the loan transferring to Selene, XXXX provided me with an account activity summary, which clearly showed my loan was in good standing, and was not pass due. In fact, when it was transferred to Selene, my monthly payment due was at a zero balance. However, some where during the transition of my loan, a mistake was made within Selene, which caused my loan to become past due. But, this was not the case, because I continued to make the same loan payment that I had always made, and never changed my loan agreement. Therefore, there should not have been any discrepancies. But, I now feel Selene has mishandled our payments and applied them to someone else 's loan. In addition, they began to return my payments stating that my payments were not the correct amount of my loan, in fact, with the original checks that they returned to me, they also returned someone else 's Cashier 's Check to me, which was for a " Loan Modification ''. I would like to mention that I never requested for a Loan Modification with Selene, but this Cashier 's Check was for a Loan Modification for someone else 's account. Thus, we requested from Selene a reconciliation of our account, and to send us copies of our Tax Bill and Year End Escrow Account Statement, which we requested from them numerous times and for approximately 15 months later, we have not yet received any documentations of what we requested. Therefore, we are now asking for your assistance to this matter, because Selene has now decided to place our home under Foreclosure due to delinquent account. Despite our constant demands for an account reconciliation and our constant attempts to communicate with them, we have fallen XXXX due to the stress they have caused us. The representative that we spoke with at Selene was XXXX XXXX in which she requested from us our bank statements and cancelled checks, so that she could reconcile our account. We now believe this was NEVER done, because now they are attempting to foreclosed our home, when we are in fact current with our payments and have an overpayment due to us. 
I am pleading for your help with this sensitive matter. 
Thank you in advance and look forward to hearing from you.