Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (GA)

I 'm filing a complaint against Selene Financial ( SF ) for misapplication of payments, intentionally forcing my loan into foreclosure for the purpose of stripping all positive equity from our family home. As well as SF, has also corrupted our credit score due to misapplication of payment and erroneous reporting based on a falsified transaction history. 
According to SF, my loan is behind for 8 months of payments starting XXXX XXXX, XXXX until present. 
Payments were made as follows : XXXX XXXX, XXXX in the amount of {$1000.00} which covered payments due for XXXX and XXXX. 
XXXX XXXX, XXXX payment was made in the amount of {$510.00}, covering XXXX XXXX XXXX, XXXX payment was made in the amount of {$510.00}, covering the XXXX payment. 
All of these payments were accepted by SF and they have refused to apply properly. 
Exhibit " A '' Proof of payments from XXXX through XXXX of XXXX During the time these payments were made SF, would then illegally file a notice of default against my property on XXXX XXXX, XXXX, while my account should technically have been current. 
This is nothing more than a deceptive act of either total negligence or purposely mishandling my loan and abuse on multiple levels. SF, has violated the fair debt collection practices act ( FDCPA ), Real Estate Settlement Procedures Act ( RESPA ), fair trade commission ( FTC ), and the national mortgage settlement ( NMS ) of 2012. As well as SF, has violated Georgia state law foreclosure procedure based on the fact that my loan should not have been in default since the payments clearly had been made. 
Furthermore, prior to SF placing additional legal costs on our loan they made a demand for payment which totaled 3 months in payments by the end of XXXX to avoid acceleration of my loan to foreclosure. Although these amounts alleged by SF, are incorrect we were simply trying to avoid the threats of foreclosure if we did not pay and hoped the accounting research would yield favorable results. 
This demanded payment was made in the amount of {$1500.00}, which was later returned by SF stating that we owed more money than what had been discussed prior to sending the payment. Rather than satisfying our erroneous account balances, SF rejected our payments and moved us one more step toward foreclosure. We contacted SF, and they told us we needed to pay the amount of {$3300.00}, which we paid on XXXX XXXX, XXXX and it was also returned with a letter stating to stop paying on the account and our loan was referred to attorney office XXXX XXXX, on XXXX XXXX, XXXX. 
Exhibit " B '' Demand letters and statements from SF SF, has destroyed our credit and mortgage payment history, our family is prepared to file a civil lawsuit against SF and our investor if these issues and foreclosure actions are not promptly addressed and halted. We are seeking for our loan to be restored to good standing and for all legal fees and late fees to be eliminated. We desire a full investigation into misapplication of payments, intentionally forcing my loan into foreclosure for the purpose of stripping all positive equity from our family home.