Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (OR)

My Challenge in a nut shell is the servicing lenders sell the contract and dont apply the payments correctly. 

This is the third time this has happened in 2 years. I send the servicing folks emails and call and then get a reply they have 30 days to get back to me and dont. 

This started in XX/XX/XXXX when Selene finance took over my Mortgage payment. Selene Finance wrote I was behind 90 days and if I didnt pay they would foreclose on my home. 

However the previous lender received XXXX for property taxes, mortgage payments in XXXX. In the month of XX/XX/XXXX. Selene finance said I had to take it up with that company this is what I owed. So I did pay them all the payments. But because I had waited on trying to get the funds placed property I was assessed " property Assessment '' of XXXX to XXXX charges every week. 

After I paid the 90 days of payments and excessive fees I signed the mortgage contracts to have ACH withdrawal. However 2 days later I called and stopped the ACH withdrawal from XXXX and then I called and places stop payments for the ACH withdrawals. I was nervous the payments would not be placed correctly since I was over paying to go to interest. 

Unfortunately Selene finance Did not stop the ACH withdrawal so I did at my bank. This caused all the OD fees that were not OD fees but cancelled ACH pulls. Selene would auto pay my account it gets rejected as a stop payment and I get tagged XXXX they then would pull again the next day same thing XXXX in fees rejected. 

My Bill pay checks would put on the account with the extra funds to go to OD fees or property assessment fees. Instead of to interest. 

I would call, Selene customer Service phone person, would say resubmit I would, then I would get charges XXXX for each Bank charge from them saying NSF when it was not NSF but they sent back. I have times I called, who I spoke with including follow-up emails. After 6 months of this I finally was able to get a hold of a supervisor who went thru the account with me reversed the XXXX od fees places the extra payments correctly and revered the XXXX property assessment fees. 

All goes well until XXXX of XXXX when check was sent back, attached ... 

this was the same practice that caused all the excessive fees again. the supervisor placed the funds correctly. Selene finance kept charging me the XXXX until XXXX. With the customary letter of NSF/ ACH. This came back on XXXX. I resent the Check. Again 2 more XXXX fees for the XXXX stop payments from ACH withdrawal payments thats was cashed by Selene finance. My XXXX payment was cashed with no problem sent as bill pay. and still OD fees.XXXX I call in XXXX, to Selene finance when I receive the letter that my contracts were sold to XXXX XXXX. However XXXX XXXX  says I owe 90 days of payments XXXX XXXX and XXXX. 

I sent my XXXX payment it was sent back. on XX/XX/XXXX, I sent my XXXX payment and it was accepted by XXXX XXXX who know tell me I owe for 6 months of payments plus fees. If I do not pay they will foreclose on my home. 

I have sent to both parties emails showing the copies of the cashed checks to both parties. Yet Selene finance will not contact me. I have asked for mediation on the excess fees and accounting practices Nothing. 

I have all emails and correspondence I have sent to all parties. XXXX XXXX has not had me sign any paperwork for them yet. No mortgage paperwork. 

Please any help would be great. I am concerned they will foreclose on my home.. 

My phone number is XXXX. My email is XXXX. My work number is XXXX. I work for XXXX in XXXX XXXX.