Consumer complaint received 2016-01-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (CA)

I was a victim of predatory lending by XXXX who overstated my income leaving me in a situation where I did n't make enough money to afford my home after which my loan was transferred to XXXX. As a result of this strain, I became ill and have not worked full time since XXXX XXXX. My loan was transferred from XXXX to XXXX who refused to allow me the right of a reduction in principal and reduced mortgage payment as a result of the settlement agreement between XXXX XXXX XXXX. XXXX placed my loan in foreclosure just before transferring my loan to Selene Finance in XXXX XXXX. I received written correspondence from Selene assuring me that they would work to help me keep my home. As a result, I applied for a loan modification only where I included all requested supporting documentation such as proof of income, tax returns, etc. However, on XXXX/XXXX/XXXX I received a notice of denial based on debt ratio. Within the same denial notice, I was also denied a short sale or deed in lieu of which I never applied for. It was evident that Selene was blocking all avenues of me keeping my home and instead of their promise to assist me, they were rushing to place me in a homeless situation. I filed an appeal on XXXX/XXXX/XXXX based upon all three denials but never received a response or formal documentation denying my appeal from Selene. After leaving several messages for my loan representative XXXX XXXX, on XXXX/XXXX/XXXX I spoke with Selene Rep. XXXX XXXX who read me a portion of Selene 's justification for not approving my load modification which read " customer was denied modification because of previous modifications that the borrower did not accept. '' It was clear that Selene 's denial was based on notes made by XXXX representatives which may or may not have been accurate as I 'd filed previous complaints with the Attorney Generals Office because of inaccurate and conflicting information. Before finishing the notes, XXXX XXXX abruptly placed me on hold and transferred me to my loan representative XXXX XXXX who stated that he had not returned my calls as a result of dealing with his own personal family issues. He went on to say that I will not receive a formal notice denying my appeal because it was not deemed a legitimate appeal because I did not provide sufficient proof of income. This is untrue because I provided proof of income in my additional application and if there were deficiencies in my appeal, I should have been given the opportunity to make corrections. Additionally, XXXX XXXX badgered me regarding the complaint I filed with the Department of Justice demanding to know if I filed an outside complaint and with whom. He went on to state that the denial of my loan modification was also based on the fact that I filed a complaint outside of their office. He also stated that their company was not going to postpone the sale date for my house in order to allow me the option of either a deed in lieu of a short sale. When I asked XXXX XXXX for a written policy stating that fact, he said there 's nothing in writing and I would have to take his word. I later received a call from his XXXX XXXX XXXX but was unable to speak with him as I was in the process of filing a chapter XXXX bankruptcy case where I am currently waiting for the discharge. Also, my property has been scheduled to be sold on XXXX XXXX, XXXX. I was told by the foreclosure trustee that Selene could both cancel the sale of my property as well as take my property out of foreclosure altogether. I am requesting that both the aforementioned be done immediately so that an investigation of my case can be done. There appears to be retaliation, many inconsistencies in what was given to me in writing and what was disclosed over the phone. XXXX is also part of this predatory lending/unfair practice and have made a grave mistake concerning my home.