Consumer complaint received 2017-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (MA)

On  XXXX   XXXX ,  XXXX , my former fiance and I refinanced our mortgage into an FHA mortgage through  XXXX   XXXX . Immediately upon closing,   XXXX   informed us the mortgage was sold to  XXXX   XXXX   XXXX . Shortly thereafter,  XXXX   XXXX , my former fiance, permanently vacated our property, creating a financial hardship for me and my children. We remained in our home and I worked diligently with  XXXX   XXXX   XXXX  to have the mortgage modified so I would be able to keep my family in our home. After 3 years of numerous submissions of necessary documents,  XXXX   XXXX   XXXX  continued to claim there were necessary documents missing, so I continued to resubmit them. It must also be noted that, in order to be considered for a loan modification, various representatives employed by  XXXX   XXXX   XXXX , advised me it was necessary to be a minimum of 3 months delinquent on the mortgage - I was told by them to " stop paying the mortgage or you wo n't have a chance at a loan modification. '' Against my better judgement, I followed their advice, which led to them dragging this process out further, finally approving me for a loan modification, then turned around and filed foreclosure proceedings against me. As a result, I retained an attorney,  XXXX   XXXX . Attorney  XXXX  requested a copy of the complete transaction history, which was not provided by  XXXX , as well as an endorsed note, which could not be produced by  XXXX   XXXX   XXXX . In  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  scheduled a foreclosure sale date. Immediately upon being contacted by my attorney prior to the sale date,  XXXX   XXXX   XXXX  quickly transferred servicing of my mortgage t o Selene Finance  and canceled the foreclosure sale.  Selene immediat ely began foreclosure proceedings even though I had been approved for a modification with  XXXX   XXXX   XXXX .  Selene also increa sed my mortgage payment by {$400.00}, and did not inform me of the increase or reasoning behind it. They sent statements to  XXXX   XXXX ,  XXXX . of  XXXX   XXXX , as well as to my attorney,  XXXX   XXXX , but never to me directly. Representatives from either  XXXX  or Selene have ever met face to face with me in mediation to discuss my financial hardship and need or a loan modification. My attorney has requested copies of complete transaction history and the endorsed note fro m Selene numerous times in countless attempts to negotiate a loan modification through them, but these have not been produced from Selene. Therefore, Selene ha s proven unable to validate both this debt and ownership of the loan. I 've sent numerous loan modification packag es to Selene as well, only to receive the same run around from them, claiming they did n't receive all of the required documents. Selene denied my most recent application for a modification claiming they did n't receive the necessary and complete documents, which were in fact sent on time. My attorney has made repeated attempts to contact the single point of contact at Selene, however, the identity of this person i s continuously changing. The whereabouts of my former fiance are unknown, however, he is still on this mortgage, regardless of my request through both  XXXX  an d Selene for an as sumption. I 'm now facing a foreclosure sale date of  XXXX   XXXX ,  XXXX . I was also told by  XXXX   XXXX   XXXX , " we do n't do FHA mortgages so this is not  one and we also do n't deal with HAMP, so goo d luck. '' This mortgage is in fact an FHA as noted on the original refinance paperwork.