Consumer complaint received 2023-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (VA)

My XXXX Veteran husband ; XXXX XXXX XXXX recently passed away on XX/XX/XXXX due to serving our country and unknowing was exposed to military toxic and hazardous chemicals that cause him to to suffer from XXXX XXXX  XXXX and XXXX XXXX XXXX at the age of XXXX. 

Over the past XXXX months, I have made numerous attempts to communicate with Selene Finance . I have followed the guidelines for submitting a Request for Information to Selene Finance regarding an inquiry to my monthly mortgage amount not being reflected properly. In addition, I submitted another Request for Information regarding an inquiry with my property taxes escrow monthly. 

I have exhausted all available options or alternatives for Selene to respond to my critical inquiries, as both of them are extremely time sensitive and pertain to measures taken to prevent foreclosure on my home. Therefore, I am submitting in writing my formal request for Selene Finance - Loan Resolutions for Mortgage Assistance. 

After 20 years of having XXXX XXXX XXXX my mortgage, I was informed by a XXXX XXXX Representative that my loan was transferred to Selene Finance. Immediately I became concerned, and mentioned to the representative that the XXXX XXXX Home Assistance program and I had worked diligently in completing the final stages of my loan modification by successfully completing the XXXX mandatory trial payments, which took place many months prior to the transferring of my loan to Selene Finance. 

The XXXX XXXX Representative assured me that whatever the current status of my loan was in, by law Selene has to honor the same terms and agreement. Therefore, I was expecting my XXXX monthly mortgage payments to resume as agreed upon in the XXXX XXXX Loan Modification terms. 

After speaking to a Selene Mortgage Representative, I discovered my Selene mortgage amount does not reflect the same mortgage amount as agreed upon with XXXX XXXX XXXX XXXX terms. 

XXXX XXXX XXXX Mortgage - Loan # XXXX Selene Finance - Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX, VA XXXX ; Parcel ID # XXXX. 

In addition, I submitted a Request for Information Regarding the Evidence of Improper Billing for XXXX XXXX Property Taxes - Submitted " Request Information '' for Selene Financial Mortgage Calculation ; Account # XXXX - On XX/XX/XXXX, I submitted " Request for Information '' for Selene Financial Escrow Analysis for Account # XXXX ; years XXXX, XXXX and XXXX. 

- On XX/XX/XXXX. I submitted on XX/XX/XXXX, to Selene Financial a letter dated XX/XX/XXXX from the County of XXXX XXXX XXXX -- -- -- - Exemptions from the County of XXXX XXXX XXXX XXXX regarding property is " Exempt - Information was faxed on XX/XX/XXXX - On XX/XX/XXXX, I submitted to the Selene Tax Department a request to recalculate my escrow to reflect XXXX property taxes to be paid by XXXX XXXX due to being " Exempt ''. 

- The following information was sent on XX/XX/XXXX, Letter with faxed to Selene - Tax Department with following ; a ) The County of XXXX letter dated XX/XX/XXXX regarding Property Tax Exemption ; effective XX/XX/XXXX b ) Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as 100 % Totally and Permanently Service Connected XXXX Veteran c ) XXXX XXXX Final Escrow Statement as of XX/XX/XXXX d ) Real Estate Settlement Procedures Act, RESPA Regulation X, Sections 1024.35 and 1024.36 e ) Illegal Foreclosure Action that took place for the sale of my home on XX/XX/XXXX XXXX