Consumer complaint received 2019-02-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (LA)

I am self-employed and hit a slow down causing me to fall behind on my mortgage last fall. Selene Finance currently handles my loan. I almost feel like they want me to lose my house, for me to go into foreclosure. I tried to pay 2 payments but they told me that I had to pay all of the past due amount at once. Then they suggested I apply for a loan modification. This process started in XX/XX/XXXX and ended XX/XX/XXXX. Because I wasn't allowed to make payments, I am now 5 months behind, which includes the payment due this month, XX/XX/XXXX. My single point of contact, XXXX XXXX, who was the second point of contact assigned to me. The first one never called me and in fact, I was never able to reach her. I have called and left countless voicemails only to never have them returned. Anytime I called XXXX, it instantly went to his voicemail. The only was I was ever able to speak with someone was to call the regular customer service numbers. The loan modification process dragged out for 2 months because every time I called, I was told I needed to supply information that I failed to supply. And each time I sent that so called missing information, I called to verify receipt and was told I needed to send in yet another document. Finally, I was told I would receive an answer by XX/XX/XXXX. The answer never came. I began calling XXXX daily, starting Friday, XX/XX/XXXX, and left at least one voicemail per day. I even emailed and finally received a response in the email stating that I needed to call XXXX at his number which is what I had already been doing. 
I called today and selected the other option to speak to a regular customer service representative who told me my loan modification request was denied and that the next step is to do a short sale. I was told that if I was to make the total past due amount, which is now 5 months, that my loan would have to be reinstated of which there is not guarantee. 
The reason why I am now 5 months late is because I was told any payments made would not be accepted. I have been able to make 2 payments but that wasn't enough when I became 3 months late. So this drawn out process for the loan modification began in XX/XX/XXXX, which added 3 more months, making me a total of 5 months past due. This is why I feel like they wanted me to go into foreclosure. 
Also, the lady I spoke with today told me a letter was mailed out on Friday, XX/XX/XXXX. As of now, Thursday, 2XX/XX/XXXX, I haven't received a letter. I am still waiting on XXXX to call me, a week after I began leaving him at least one daily email. 
Oh, one last thing, the lady today told me that XXXX has been calling me and leaving me a voicemail since last Friday. I told her I can prove through XXXX XXXX XXXX that he hasn't called me, let alone leave a voicemail. I think that threw her off and she said that wasn't necessary. Selene Finance does not look out for the interest of their mortgagees because they can make more money by foreclosing on my house and getting a new owner with an interest rate double of what mine is which is 2.7 %!