Consumer complaint received 2022-08-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

My original mortgage company XXXX XXXX XXXX sold my mortgage to Selene Finance at the top of XXXX. I received a letter of the changeover in XXXX. On XX/XX/XXXX, I called Selene Finance and spoke to Customer Service rep XXXX. 
I asked to schedule auto-pay with them for the XXXX  of each month ( pay-day ) as I had been doing with XXXX XXXX for the past several years. I was advised my account had not been entered into the system yet and I could not set up my auto payments. I called again in XXXX attempting to make my payment and was told I still could not pay into my account. 
In XXXX of XXXX, I received a letter from Selene Finance telling me I was delinquent in my account for {$3600.00} for the XX/XX/XXXX payment, XX/XX/XXXX payment, XX/XX/XXXX payment and XX/XX/XXXX payment. 
I called Selene Finance and asked how I could be delinquent since I was paying XXXX XXXX during XXXX, XXXX and XXXX and Selene Finance would not accept any payment from me when I tried twice to pay them for XXXX. 
No one could answer my questions and advised they would open an investigation but could not accept any payments from me due to the supposed delinquency. 
Since XX/XX/XXXX I have made countless phone calls, submitted documentation showing payments were made to XXXX XXXX on time so there should be no delinquency when the account was transferred over. Every phone call I make to Customer Service I am told something different ; my case was given to a supervisor who is working on it, and it should be resolved soon, it's still being investigated, or they act like they don't know what I'm talking about. 
Selene Finance keeps pushing my husband and I to do a loan modification for financial hardship which we do not need because we have no problem paying our monthly mortgage. The only reason we have not paid them is because they will not accept the monthly payments. 
Prior to Selene Finance taking over our mortgage and while we were with XXXX XXXX, my husband and I filed for a 3-month forbearance due to Covid. The forbearance was for XXXX, XXXX, and XXXX of XXXX. According to the agent who set up the forbearance, the 3-month forbearance payments would be tagged on to the end of the loan and we could resume our regular payments starting with the XX/XX/XXXX payment. 
When I called to make my XXXX payment to XXXX XXXX, I was told I had to fill out a request for a loan modification since we did a Covid forbearance. I told XXXX XXXX agent we dont need that as we can make our monthly payments with no financial hardships now that Covid was over.

They said it was mandatory, so I filled out the paperwork. For the months of XXXX, XXXX and XXXX which was considered my trial modification period, our mortgage payments went from {$760.00} to {$810.00} per month. We successfully paid all three months at the new rate and were told we passed our modification trial, and our original monthly payment would start up in XX/XX/XXXX. 
Thats when XXXX XXXX sold our mortgage to Selene Finance, they refuse to honor the modification trial we did with XXXX XXXX although all information was sent over to them. 
They also are not accepting any payments from us to drive us further and further into delinquency so they can move forward with the foreclosure. 
In XX/XX/XXXX I received a letter from a XXXX XXXX of Selene Finance saying she is my only point of contact, yet she gave me no phone number or email to contact her. 
Customer Service always tells me she is not available and will call me back. She has yet to call me back. It is now XX/XX/XXXX, and XXXX has never spoken to me, my issue is still not resolved, and I am getting letters warning of foreclosure and increased delinquencies because they have refused to accept payment from me since I made my first phone call XX/XX/XXXX and spoke to XXXX to set up auto pay for my mortgage. 
I believe Selene Finance is running a Loan Modification Foreclosure XXXX to steal people 's homes by doing illegal foreclosures. 
Ive attached a link here to the XXXX XXXX XXXX page of all complaints against Selene Finance. They have had complaints since XXXX, all complaints mirror exactly what I am reporting, conniving to steal peoples homes by taking over their mortgage and immediately telling them they are delinquent. 
My original mortgage company XXXX XXXX XXXX sold my mortgage to Selene Finance at the top of XXXX. I received a letter of the changeover in XXXX. On XX/XX/XXXX, I called Selene Finance and spoke to Customer Service rep XXXX. 
I asked to schedule auto-pay with them for the XXXX of each month ( pay-day ) as I had been doing with XXXX XXXX for the past several years. I was advised my account had not been entered into the system yet and I could not set up my auto payments. I called again in XXXX attempting to make my payment and was told I still could not pay into my account. 
In XXXX of XXXX, I received a letter from Selene Finance telling me I was delinquent in my account for {$3600.00} for the XX/XX/XXXX payment, XX/XX/XXXX payment, XX/XX/XXXX payment and XX/XX/XXXX payment. 
I called Selene Finance and asked how I could be delinquent since I was paying XXXX XXXX during XXXX, XXXX and XXXX and Selene Finance would not accept any payment from me when I tried twice to pay them for XXXX. 
No one could answer my questions and advised they would open an investigation but could not accept any payments from me due to the supposed delinquency. 
Since XX/XX/XXXX I have made countless phone calls, submitted documentation showing payments were made to XXXX XXXX on time so there should be no delinquency when the account was transferred over. Every phone call I make to Customer Service I am told something different ; my case was given to a supervisor who is working on it, and it should be resolved soon, it's still being investigated, or they act like they don't know what I'm talking about. 
Selene Finance keeps pushing my husband and I to do a loan modification for financial hardship which we do not need because we have no problem paying our monthly mortgage. The only reason we have not paid them is because they will not accept the monthly payments. 
Prior to Selene Finance taking over our mortgage and while we were with XXXX XXXX, my husband and I filed for a 3-month forbearance due to Covid. The forbearance was for XXXX, XXXX, and XXXX of XXXX. According to the agent who set up the forbearance, the 3-month forbearance payments would be tagged on to the end of the loan and we could resume our regular payments starting with the XX/XX/XXXX payment. 
When I called to make my XXXX payment to XXXX XXXX, I was told I had to fill out a request for a loan modification since we did a Covid forbearance. I told XXXX XXXX agent we dont need that as we can make our monthly payments with no financial hardships now that Covid was over. 
They said it was mandatory, so I filled out the paperwork. For the months of XXXX, XXXX and XXXX which was considered my trial modification period, our mortgage payments went from {$760.00} to {$810.00} per month. We successfully paid all three months at the new rate and were told we passed our modification trial, and our original monthly payment would start up in XX/XX/XXXX. 
Thats when XXXX XXXX sold our mortgage to Selene Finance, they refuse to honor the modification trial we did with XXXX XXXX although all information was sent over to them. 
They also are not accepting any payments from us to drive us further and further into delinquency so they can move forward with the foreclosure. 
In XX/XX/XXXX I received a letter from a XXXX XXXX of Selene Finance saying she is my only point of contact, yet she gave me no phone number or email to contact her. 
Customer Service always tells me she is not available and will call me back. She has yet to call me back. It is now XX/XX/XXXX, and XXXX has never spoken to me, my issue is still not resolved, and I am getting letters warning of foreclosure and increased delinquencies because they have refused to accept payment from me since I made my first phone call XX/XX/XXXX and spoke to XXXX to set up auto pay for my mortgage. 
I believe Selene Finance is running a Loan Modification Foreclosure Scheme to steal people 's homes by doing illegal foreclosures. 
My husband and I secured an attorney and Selene Finance sent us a loan modification packet which we filled out and signed and sent in with the XXXX XXXX of {$930.00} per what was stated in the modification packet. 
We received a packet back from Selene saying our modification had been accepted and fully executed. 
A week later we received a foreclosure notice. When I called there and spoke to one of their reps they said there was no modification in place and refused to take my XXXX payment. 
They created this delinquency on our account by trumping up a fake delinquency with XXXX XXXX Mortgage and refusing to take any payments from me since XXXX. They intentionally create delinquencies so they foreclose on the homeowner. 
They target minorities, people of color, the elderly and low income families. 

They are in violation of their own contract and they operate on an organized crime level. 

Ive attached a link here to the XXXX XXXX XXXX page of all complaints against Selene Finance. They have had complaints since XXXX, all complaints mirror exactly what I am reporting, conniving to steal peoples homes by taking over their mortgage and immediately telling them they are delinquent. 

https : XXXX. 

Also, this site which also tells similar horror stories to ours. 
XXXX XXXX XXXX This fraudulent business needs to be shut down ASAP. They are unlawfully pushing people into foreclosure by creating fake delinquencies and refusing to take people 's payments.