Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IN)

First of all Ive been diagnosed with XXXX XXXX etc now Ill begin My original mortgage company was XXXXXXXX XXXX.. I had a modification through them as my mortgage was to be transferred to another mortgage company ( which transferred mortgages Im familiar with 21 years in my home ) however Selene mortgage was to be the new mortgage company.. So a rep from XXXX XXXX months before XXXX I believe it was? But before the transfer he recommended I get my modification updated thru Selene mortgage within the 60 days coming so nothing will affect my financial hardship he was well aware of.. I thought that is a good idea and so I did just that My first payment was in XX/XX/XXXX for XXXX modifiedobviously that was what had been payment throu XXXX? Then I began waiting for Selene to respond w a deny or approval each month? another month n then a XXXX  in my family rather another one .. then I assisted my cousin w our uncle who was the father of the XXXX  and XXXX stage XXXX moved into XXXX?? Thats 4 months yes I was receiving payments behind but no modification? I called they said still being looked at.? By the time looked at they needed new stubs n creditioals I was receiving late notices no real answers from them wen Id call? But then they would call me and say we need this we need more of that? After they have had all for 30 days so send more no reply need more all these conversations are as they say ( recorded ) so even by the spring now my credit is looking worse than ever I am so confused of course Im so far behind and with it returning to my original payment well more than I could even borrow? In all this time w my desperate crying feeling in despair .. theyd say nothing encouraging or the bigger picture was no OTHER options not ever not once!!! 
This is when I still had more of??? To send in I was devastated how can they wait 30 days or more to tell me this when I called it would be yep all we need is this blank blank blank Id send it then again n again?? Ok by now Ive been getting the warning of default forclosure n then after so many of these I received one with sheriffs sale???? Remember the conversations recorded if need be? Im in disparity in XX/XX/XXXX after sending all n more than enough info to them they denied me!! Hmm??

13 months after I applied now Im losing my mind credit n well my world however they reason for denial was what had me confused?????? They had stated I had insufficient income????? Wow of course I did .. thats why I was attempting to basically keep my payments half instead of full modify .. so resubmit a new app 5 times the whole app has been put in? 
Its XXXX XXXX months late when all I wanted was to be a able to make my payment and the hardship hasnt changed its only worse now because in hindsight in the beginning if they couldnt help or approve? Maybe I could salvage $ n figure things out n except the payment that now is XXXX. More than the original payment ..Im feeling beat down never offered me partial payment deferring even empathy for me or well anything .. hardship started long before XXXX thats why XXXX was concerned for my original transfer?? My brother committed XXXX  I found him early XXXX the virus i again in 3 months found another brother XXXX  on my couch cpr n etc nothing death 4 months later my fianc flipped my paid off XXXX n XXXX lost hours and a client to the virus!?? Ive only been working on therapys rehab after a reared hit n run and no support system all is dead my mom called me years ago before she XXXX  herself n I couldnt stop her??? Im a mess Ive shared this in the letters Ive sent and they still ask me the same things over n over n over again again Im getting triggered each time I have to repeat this??! Im completely complaining because I hold the mortgage co completely responsible for my fate .. that is again resulting in me losing one last thing my home and salvage of 21 years. Still nothing a answer it should never ever take this long not I cant save my home at all if they dont except my application.. can u pls have them acknowledge how unprofessional n the ethics they do not consume .. s as ll I have left is a home I lost all of them guys in 7 months time plus please forgive me for so much info.. Ive asked them why, what, and when.?? I just need them to please fix this XXXX behind and why why would this take my soul as well as my well being? Im so falling beneath, between the cracks .. all I did was apply regardless these things dont take years to decide if I wouldve knew if no modification is possible earlier I couldve saved stuff by borrowing or knowing other options I was not once give anything .. jus calls to tell me Im blah blah 9,8,13, months behind?? Like I dont know that?? All recorded Id remind them how glad I was to know it was all recorded so it will be proven all the ppl that called me werent to help but just to follow up on a customer losing it all including herself!! Please help me!! I actually dont know how I deal with all of this on my own?? However me reaching out to you is saying I cant do it alone so yes I appreciate what you do? This started XXXX XXXX XXXX n so on