Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (NY)

Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Selene Finance for their attempt to wrongfully evict me from my home and their failure to properly review the foreclosure process, despite evidence of payments made and insurance funds received, which I believe to be in violation of several federal laws and regulations. 
I have been repeatedly discriminated against, the accounting records have been altered by the previous servicers. None of the ledgers of the account reconcile. 

Selene has ignored my requests to review the foreclosure and moved ahead with an eviction. 

I am lodging a formal complaint against Selene Finance for their egregious attempt to wrongfully evict me from my home and their blatant disregard for properly reviewing the foreclosure process, despite clear evidence of payments made and insurance funds received. And sending monthly mortgage statements for over 8 months leading To false representation of my being a current mortgage holder. This mislead me to believe they were clearing up issues with the account. 

This eviction is supposed to take place in a matter of days SO THIS IS AN URGENT MATTER. This eviction will displace XXXX children and XXXX adults XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Selene Finance began sending monthly mortgage statements again XXXX of XXXX. This led me to believe they were correcting the situation. I began sending payments to Selene ro cover the property tax until matter was resolved. Customer Service Assured me that the matter was being reviewed and to keep sending the payments. 
Selene Finance 's actions are not only causing me severe emotional distress and financial hardship but also appear to be in direct violation of several federal laws, including the Real Estate Settlement Procedures Act ( RESPA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Dodd-Frank Wall Street Reform and Consumer Protection Act. 
Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. ; 12 C.F.R. Part 1024 ) : Section 1024.35- Selene Finance has failed to properly respond to my qualified written request for information and to investigate the errors I have raised regarding the foreclosure and eviction. 

Section 1024.41- Selene Finance is attempting to proceed with an eviction despite the evidence I have provided that calls into question the validity of the foreclosure. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : Section 807 - Selene Finance has made false representations about the status of my debt and their right to proceed with an eviction, despite the ongoing investigation into the foreclosure 's validity. 

Section 808 - Selene Finance has engaged in unfair practices by attempting to evict me without properly considering the evidence I have provided and the previous servicer 's commitment to review the foreclosure. 

The facts of my case are as follows : My home was previously foreclosed on, but I had reason to believe the eviction was postponed when I began receiving mortgage statements from Selene Finance in XXXX of XXXX, which is 6 years after the foreclosure sale. 
The previous servicer, XXXX, stated in response to a prior complaint that they would review the foreclosure based on information I provided, which demonstrated payments made and insurance money received for a total loss house claim. I rebuilt the house using my own funds so there should have been no mortgage on the home for them to foreclose on. 

XXXX confirmed that all relevant information had been forwarded to Selene Finance to halt the eviction pending further review. 
Despite this, Selene Finance has continued to aggressively pursue eviction without conducting a proper investigation or considering the evidence I have presented. This is a flagrant abuse of their position and a dereliction of their duties as a mortgage servicer. 

In addition to the CFPB, I request that this complaint be forwarded to the following agencies for further investigation : The Federal Trade Commission ( FTC ) for potential violations of consumer protection laws. 
The Department of Housing and Urban Development ( HUD ) for possible violations of the Fair Housing Act. 
The Office of the Comptroller of the Currency ( OCC ) for potential violations of banking regulations. 

I demand that the CFPB and the aforementioned agencies investigate Selene Finance 's practices and take swift, decisive action to hold them accountable for their misconduct. This should include, but not be limited to, ensuring a proper review of the foreclosure, considering all relevant evidence, and immediately ceasing any wrongful eviction attempts. I also seek any additional relief that the CFPB and other agencies deem appropriate, including compensatory and punitive damages for the severe emotional distress and financial burden caused by Selene Finance 's unlawful actions. 

Thank you for your prompt attention to this urgent matter. I am prepared to provide any further information or documentation required to support my complaint and assist in your investigation.