Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

XX/XX/XXXX was the court date for the order of reference and I as told I did not have to be there as per XXXX XXXX of XXXX XXXX as this foreclosure motion was outside the settlement conference. XXXX XXXX stated that I needed to keep working with XXXX, a housing council, to see if there was anything I could work out do to modify the loan. I had an over the phone conference with XXXX XXXX, housing counselor of XXXX ( XXXX ext XXXX ) on XX/XX/XXXX in which I had previously filled out and sent my application packet her with the authorizations to file a loan modification. She filed the loan modification with Selene Financial prior to the court date of XX/XX/XXXX. Selene did not notify their attorney that I had applied for a loan modification and that the court date should have been postponed until the loan modification was completed and processed. Selene Financial spoke with XXXX a few times before the XX/XX/XXXX date. The Judge proceeded to grant Selene the right to proceed with the foreclosure and schedule a sale date because he was not aware the I had applied for a loan modification. In the meantime, XXXX from XXXX contacted Selene Financial after the court approved the procession, only to be told my Selene that they could not talk to her unless she had the information of a secondary address that was an obsolete address of my ex-husbands from 8 years ago. I asked XXXX, previously and now Selene as the new servicer, several times including twice when I had my real estate agent present and she can testify to that, to correct the address and send the information to me as I have always lived at XXXX XXXX XXXX since we purchased the home in XXXX. For some reason, Selene has discriminated against me even though I am listed on the mortgage and title, will not send me any of the information about my mortgage at my home address. After XXXX called back with the obsolete address even though she had talked to them several times without it, she was told that my loan modification was denied, the denial sent to the obsolete address, and that my sale date was scheduled for XX/XX/XXXX. I have received nothing in regards to a court order, the loan modification, other than that my divorce attorney received the judges order from XX/XX/XXXX that I had 90 days. XXXX, the housing counselor from XXXX, explained that Selene was in direct violation of the law. So I am filing a complaint. My financial situation has changed as my divorce has been agreed and signed XX/XX/XXXX and waiting the judges signature. My alimony payments are $ XXXX week, my spouse has quitclaimed the home to me, he has also agreed to pay the home equity loan unless the home is foreclosed on, therefore, leaving me only responsible for the mortgage of {$33000.00} plus any unpaid interest and taxes, foreclosure cost, etc leaving an estimated balance of approximately {$62000.00} which spread over 30 years even though I only owe 10 years would make my payments affordable. I am seeking an affordable loan modification and have notified XXXX of XXXX XX/XX/XXXX that I wish to reapply, that I have filed a complaint with the CFPB, and that I have currently listed my home for sale so that, worse case scenario, I will still be able to get some equity in the home even though my goal is to stay in the home.