Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (TX)

In XX/XX/XXXX I received a call from XXXX saying my balance of {$100000.00}, was sold loan to another company and I should hear from them in a week. In XX/XX/XXXX, I called XXXX, they stated they had none of my records and didn't know what to tell me. Because they had none of my records they did not know who purchased my loan. I called around to a few mortgage companies looking for loan owner and asked for suggestions. Nothing. I even looked on the XXXX XXXX XXXX, nothing. In XX/XX/XXXX I received a " Trial Modification Plan '' from Selene showing a balance of {$140000.00}. I called the company and they said I needed to complete an application to request a loan modification. I tried to explain to them I received a Plan and was fine with the Plan and would began payment noted on XX/XX/XXXX for {$1300.00}, but I was not ok with the escalated amount of {$140000.00}. They said no, had to submit paperwork. Requested paperwork to be mailed t/o my residence. In a separate envelope, on the same day dated XX/XX/XXXX addressed to me, I received a letter stating " Notice of Default & Intent to Accelerate '' stating next payment due date wasXX/XX/XXXX, " default amount of {$27000.00}, as of XX/XX/XXXX, the current outstanding principal balance is {$110000.00} and total debt owed as {$130000.00}. The total amount you must pay to cure the default stated above, {$27000.00}, must be recieved by XX/XX/XXXX. I called, the person answering the phone read from the last letter above and said I needed to have the " {$27000.00} in to Selene by XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating " we believe you may qualify for Selene 's Modification Program which will make your mortgage more affordable and help you keep your home. '' And the they mentioned, " a portion of the principal balancre could be forgiven and reported to the IRS as income for you as debt forgiveness ''. I called and representative was not able to give me a clear explanation of the previous sentence. I informed her I received the letter with the forms to be completed and I would submit ASAP, even though the letter stated call by XX/XX/XXXX. Packet was mailed on XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating they had not received any documentation and to include the Hardship Letter which was included in the packet as well. I called and was told they didn't have it and they must received by XX/XX/XXXX. I took to the USPS the very next day XX/XX/XXXX and drop in the mail box. On XX/XX/XXXX I received a letter stating " On XX/XX/XXXX, a Validation of Debt Notice was mailed to you that contained inaccurate information. '' The letter stated the Notice contained correct information and was " enclosed ''. No additional paper other than the letter with a blank cover page was in the envelope. On XX/XX/XXXX I received a letter with a blank form stating they " acknowledge receipt of written or telephone request regarding alternatives to foreclosure. '' The form, Uniform Borrower Assistance Form, was attached and requested to be completed and " If you are approved for modification, there will be a trial period .... '' The letter stated once they received the form the first payment will be due immediately and " foreclosure would be put on hold ''. I completed that form and scanned and included all previous documents mailed, and decided to send documents via email so I would have a paper trail. The email was sent on XX/XX/XXXX. I called on XX/XX/XXXX, XXXX XXXX was not available, I spoke with a general representative and was told my house was in foreclosure and had a sell date. I was so flustered I do not remember the date, but the date was obviously distributed because I began to receive phone calls and people at my door offering to buy my home. I looked on line and found the plethera of compliants with almost identical details like I was having. I call my case manager and she referred me to an attorney who stated I should file bankruptcy. I started the process and they received a call on XX/XX/XXXX I received a call from XXXX XXXX saying, no I was not in foreclosure, and they wanted to continue the loan modification process with me, but they were missing documents and that she could not talk to me because I filed bankruptcy she could only speak with my attorney. She said they needed a letter from him. She received the letter and told me missing information included : XXXX, XX/XX/XXXX & XX/XX/XXXX bank statements and XXXX & XXXX taxes. Ms. XXXX provided another email address stating maybe I had the wrong address, XXXX. Email sent on XX/XX/XXXX. I received a letter dated XX/XX/XXXX with a different list of items said to be missing. On XX/XX/XXXX an email was sent. Basically I received a letter and I sent an email with the same documentation again on XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX I began receiving calls and people at my door " wanting to help me. '' I left a message for XXXX. She called me back on XX/XX/XXXX saying they needed additional information. I sent the same information again on XX/XX/XXXX. The phone calls and people at my door increased greatly. On XX/XX/XXXX, today, I left three ( 3 ) message for XXXX and finally spoke with a general representative and was told my house is noted as in foreclosure and will be sold on XX/XX/XXXX. By the way, I have NEVER received a letter stating my home was every in foreclosure nor have I ever received that information from my designated representative.