Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NV)

CFPB customer support team, Thanks in advance for taking the time to help with my case. My mortgage was transferred from XXXX to a third party service provider called Selenian Finance. During this transfer, my mortgage terms were changed without my approval. As a result, I had to pay ~ XXXX XXXX out of pocket that I was planning to pay over 30 years. 

Here 's a summary of events 1 ) I started a 30 year mortgage with XXXX in XXXX XXXX ( Loan number XXXX ) XXXX ) As a result of financial difficulties during XXXX, I applied for a restructuring plan, which would keep the same maturity on the mortgage and increase by monthly payments to make up for the missed payments during the forbearance. In XXXX XXXX, we agreed on a loan repayment plan. I sent XXXX a signed and notarized agreement. I currently don't have access to the signed versions of this document as I've sent it. However you will see from the cover page that my monthly payments were increased from ~ {$6100.00} to {$6300.00}. Please check attached docs. 

3 ) I made a payment in the amount of the new monthly payment amount at the end of XXXXXXXX XXXX and I had initiated autopayment of my mortgage. In XX/XX/XXXXXXXX XXXX and currently I have enough money in my XXXX account to pay for the monthly installments. 

4 ) I was out of the country due to immigration related complications between XX/XX/XXXXXXXX XXXX XXXX After signing this and before leaving the country in XXXX, I was not given any notifications about the status of my loan. I was just forwarded all the mail I received from you over the last few months. I hadn't received any communication that since I was away. 

XXXX ) I see that on a statement from XXXX on XX/XX/XXXX ( please see attached ) my loan has been delinquent since XX/XX/XXXXXXXX XXXX ( more than a year before the forbearance agreement ) and my payments between XXXX XXXX XXXX XXXX XXXX were {$6100.00} instead of {$6300.00} as it was listed in the forbearance agreement 6 ) In XXXX XXXX  XXXX transferred my loan to Selene Finance, however the transferred loan was the initial loan I got, not the updated loan agreement following the forbearance agreement, which was signed and notarized by me. XXXX had no way to verify or rectify this as they can only see documents they have received by XXXX. The customer representation at XXXX also mentioned that XXXX will have no way of looking into this anymore. I have a letter from XXXX dating XX/XX/XXXXXXXX  that informs me of the loan service transfer and mentions my loan forbearance agreement was sent to Selenian Finance, the new loan servicer ( see attached ). 

6 ) Selene Finance had also no way of looking at the forbearance agreement. I had to pay ~ XXXX XXXX to Selene Finance, in order to ensure that my apartment is not foreclosed. Of this amount, I believe XXXX XXXX would have been restructured over 30 years at less than 3 % based on my forbearance agreement with XXXX 7 ) My loan is currently fully paid, however I believe I was unfairly forced to pay XXXX XXXX  upfront rather than paying it over 30 years. I would like a deposit from Selene Finance and have my mortgage terms be updated to represent the forbearance agreement I signed with XXXX in XX/XX/XXXX XXXX 

Thank you and looking forward to hearing from you!