Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (KS)

My primary residence home mortgage was serviced by XXXX XXXX XXXX # XXXX for over 4 years. I have experienced multiple hardships in the past several years with a job layoff, then XXXX ( XXXX XXXX XXXX ), plus XXXX XXXX full time for my elderly XXXX mother ( XXXX ). InXX/XX/XXXX XXXX XXXX XXXX reset/raised my escrow payments up around an extra {$250.00} a month creating a hardship as my mother and I are on a fixed income ( part of this was {$100.00} extra just to " pad '' the escrow account ). My monthly payments increased from {$1100.00} a month to over {$1300.00} a month. I missed several payments and I filled out a Request for Mortgage Assistance ( RMA ) with XXXX XXXX XXXX in an attempt to perhaps get a repayment plan or forbearance or other assistance. XXXX XXXX XXXX mentioned a loan modification ( which would not be in my best interest as my adjustable rate mortgage rate was 3.5 % at the time ).
XXXX XXXX XXXX sent me multiple letters requesting more documentation and I complied with these requests before the expiration dates on the letters. The first customer service manager was XXXX XXXX. Then my account was turned over to another customer relationship manager XXXX XXXX and things really went downhill from that point on in 4 short weeks. XXXX XXXX ordered a valuation of my property on XX/XX/XXXX and I received a copy. My home is not " underwater '' in fact I have a positive equity balance of over {$150000.00}. My loan balance is currently {$100000.00} and the bank valuation report was for {$250000.00}. XXXX XXXX XXXX never " reviewed '' my RMA request even though I sent them a " complete package '' of requested documents. XXXX XXXX XXXX never offered me any type of relief or repayment or forbearance ( even though I caught up on loan payments and was current on all payments as of XX/XX/XXXX ). Instead XXXX XXXX XXXX notified me on XX/XX/XXXX that my mortgage would be transferred/assigned to Selene Finance onXX/XX/XXXX. It appears to me that XXXX XXXX XXXX XXXX intent was to circumvent the National Mortgage Settlement Relief Act and " dual track '' my loan over to another smaller company that might not be bound to the Mortgage Settlement Act to try and attempt foreclosure on my home loan mortgage.
Since Selene Finance took over the servicing of my loan on XX/XX/XXXX the nightmare has increased tenfold. As of XX/XX/XXXX I have yet to receive a mortgage account number or mortgage payment coupon or written instructions from Selene Finance for my mortgage payments. Selene Finance LP based out of XXXX, Texas had the audacity to harass me by phone and have a real estate agent contact me by phone and text to attempt to get inside my home for a VPO. On XX/XX/XXXX I listed my property for sale because I do n't wish to deal with XXXX XXXX XXXX or Selene Finance as I have not been treated fairly. I believe both companies have discriminated against me because of my XXXX and not made any type of acommadation as required by the American with Disabilities Act ( ADA ). I am current on my mortgage and it is my intention to stay current and sell my house then pay off my loan rather than continue to have to deal with those that would seek to steal/deprive me of my property/assets.
I mailed myXX/XX/XXXX mortgage payment to Selene Finance by USPS Priority mail tracking ID ( XXXX ) to the address instructed by XXXX XXXX XXXX in a letter datedXX/XX/XXXX *that I received on XX/XX/XXXX ). XXXX XXXX XXXX specified that I should mail my payment and use my XXXX XXXX XXXX  account number until I received paperwork and a new account number from Selene Finance. Selene Finance received delivery of my personal check for the full payment of my XX/XX/XXXX mortgage in the amount of {$1300.00} along with a copy of the letter from XXXX XXXX XXXX and my XX/XX/XXXX mortgage coupon. This payment has not yet been presented through my checking account or applied to my loan. Selene Finance harasses me with multiple phone calls even though I am hearing impaired therefore I sent them a Qualified Written Response letter today on XX/XX/XXXX by USPS certified mail ( XXXX ) requesting information about my loan and informing them of my payment for immediate processing and applying to my home mortgage.