Consumer complaint received 2018-12-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (IN)

XXXX XXXX, It is apparent that you choose to have dialog in this venue as a keyboard warrior rather than pick up the phone and discuss this personally. Rest assured you can call me directly without hiding behind a call center. I am tired of having to repeat myself multiple times after inputting the identical information via your IVR system. In response to your CFPB Statements : YOU : In the inquiry, Mr. XXXX indicates he understands the buying and selling of mortgage accounts is not governed by either the mortgage servicer or the mortgagor of an account. We previously addressed Mr. XXXX request to be transferred to another company with referrals to our refinance partner XXXX XXXX  at ( XXXX ) XXXX XXXX. Please note as a servicer, Selene is unable to initiate or transfer a mortgage to another servicer per the request of the mortgagor. ME : I am not requesting to be transferred to another company, I am demanding that my mortgage be transferred to a reputable company unlike Selene Finance. I had no control nor say so in being placed here, clearly the powers that be can make that same choice to remove me from your rolls! Must I remind you that your reputation precedes you? I will continue to beat this drum as loud and as hard as I can. I have daily conversations with HUD, the Veterans administration, my Congressmen, my Senators, The Federal Trade Commission and the Indiana Attorney General 's office. It would be poor judgment on your part to doubt me. Your referral to a partnering company is comical at best and would be better described as the FOX GUARDING THE HEN HOUSE! Any decisions about me should include me Period! Let me be crystal clear, my tenacity tank is full, I will not waiver nor will I rest my efforts to achieve and complete the task. YOU : In addition, Mr. XXXX makes multiple claims indicating Selene has utilized predatory lending practices and malfeasance in servicing his account. Please note, we respectfully dispute these claims. ME : XXXX XXXX lied to the American people on National TV about his impropriates with XXXX XXXX. What this example represents is, just because you say it didnt happen, doesnt mean it's true. You can respectfully dispute the claim if you'd like, but you still can't pick up the bucket of horse XXXX  you're standing in. In direct correlation to me, you attempted to involve me in your XXXX Scam. You imposed your partnering insurance company rates to the tune of ( {$340000.00} ) against me because you felt that the recently assessed {$300000.00} worth of coverage was insufficient, subsequently raising my mortgage payment to fit your need. I guess you know better than my highly reputable insurance company. My Payments were/are not being credited on the first of the month. Each time I call on the 2nd I am provided with excuses as to why. UNACCEPTABLE!! ME : I am not the only one who has been subject to the, as described unscrupulous malfeasance and nefarious actions or should we just call it good old fashion corruption. Shall I remind you of the Class Action Settlements XXXX & XXXX, this is just 2 of the 200 Class Action Lawsuits against you. Would you care to enlighten me on the " Corporate Advance Fee 's?? YOU : Mr. XXXX also indicated the difficulty he experienced in his attempts to communicate with Selenes Customer Service. We appreciate Mr. XXXX bringing these matters to our attention, and they have been reported to Selene management. In addition, we extend an apology to Mr. XXXX ME : The apology isn't worth the value of a hen 's tooth if there isn't follow through. I don't take kindly to inaction nor the warm and fuzzy 's. I guess we shall see what improvements are made next time I call XXXX or XXXX at your call center. YOU : We have previously responded to Mr. XXXX escalated complaint letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Further, per mortgage servicing standards, we have clearly communicated with Mr. XXXX the status of the account in the form Periodic Mortgage Statements since the service transfer of his account to Selene on XX/XX/XXXX. ME : I would encourage you to get real comfortable seeing my escalated complaint letters, there will be more to follow. Selene Finance instituted the mistrust and dishonesty, not just with me but many others who have been subjected to, lost their lively hood and or have succumb to your misconduct. Did I mention your reputation precedes you??? You folks have messed with the wrong XXXX  Veteran! You started this fight, I will see it to its bitter end. YOU : In closing, it is our policy that every mortgagor receives fair and equal treatment in connection with mortgage servicing, and we diligently adhere to fair housing requirements. ME : Thats cute, your reputation dictates otherwise. Allow me to provide you with some references in case you are stuck behind that keyboard and were not aware of what is written on the Tea Leaves. Then you in turn can offer some additional explanation : I await your response XXXX XXXX XXXXXXXX Pattern of Complaint Beginning XX/XX/XXXX, XXXX XXXX began reviewing increased complaint activity on this company and found there to be a pattern of complaints. Complainants who contacted XXXX appear to have had Selene Finance take over the servicing of their mortgage loans from another servicer. According to complaints, Selene Finance often claims that consumer 's mortgage payments are never received or are received after their due date resulting in late charges. Most complainants state in their complaints, however, that mortgage payments were made on time. In several cases, consumers maintained that their payments were clearing their checking accounts, but were not being applied towards their loan. Consumers also reported difficulty reaching the company by phone, website or e-mail. ME : SOUND FAMILIAR KEYBOARD PRINCESS??? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   : XXXX