Consumer complaint received 2015-08-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (AZ)

I am a victim of a Loan Modification fraud scheme that has resulted in the loss of my home. XX/XX/XXXX, after I lost my job XX/XX/XXXX, I contacted XXXX XXXX XXXX who represented herself as a loan modification specialist. I hired XXXX XXXX to represent me with my mortgage company, XXXX XXXX, to obtain a loan modification. On or about XX/XX/XXXX, XXXX XXXX informed me that Selene Finance had accepted my loan modification request and said the foreclosure was on hold for 60 days and attached a " Selene authorization form '' that I signed and sent back to her, giving her authorization to represent me. ( See email string dated XX/XX/XXXX from XXXX XXXX, attached as Exhibit 1 ; and executed authorization form, attached as Exhibit 2 ). On XX/XX/XXXX, XXXX XXXX informed me that " Selene Finance accepted my terms and we have now been assigned a process for your file. '' ( See email from XXXX XXXX dated XX/XX/XXXX, attached as Exhibit 3 ). Specifically, the " Loan will start at 2 % for the 1st 60 months then increase to 3 % year 6 then cap at 4 % remainder of the term ''. ( See email from XXXX XXXX dated XX/XX/XXXX, attached as Exhibit 4 ). She said she would keep me posted. On XX/XX/XXXX XXXX XXXX informed me that she was " not able to proceed '', until payment was received for her services in the amount of {$750.00}. ( See email from XXXX XXXX dated XX/XX/XXXX, attached as Exhibit 5 ). On XX/XX/XXXX I deposited {$750.00}, as instructed, into her XXXX XXXX account, XXXX, XXXX, account # XXXX. ( See Check No. XXXX dated XXXX, attached as Exhibit 6 ). Following payment there were multiple texts messages and XXXX messages from XX/XX/XXXX through XX/XX/XXXX requesting status updates and information and verification of the loan modification. ( See Text messages from XXXX XXXX, attached as Exhibit 7 and XXXX messages, attached as Exhibit 8 ). On or about XX/XX/XXXX, XXXX XXXX told me that my first payment on the new loan modification was due XX/XX/XXXX in the amount of {$1200.00}. ( See Exhibit 7, pgs. XXXX ). Thereafter, even after multiple attempts to obtain the paperwork from XXXX XXXX verifying the loan modification agreement and the payment plan for the loan modification, XXXX XXXX ceased communications with me. Id. On XX/XX/XXXX, I telephoned Selene Finance to inquire about my loan modification and to confirm where to mail my first payment. Unfortunately, the representative informed me that my house had been SOLD and was reverted back to Selene Finance as of XX/XX/XXXX. I explained my situation to the representative. The representative looked at my file and informed me that no one had ever contacted them to represent me on a loan modification. I then realized that I had been defrauded by XXXX XXXX. After some research, I discovered that XXXX XXXX had recently been charged in a XXXX count indictment for mortgage fraud and other criminal activity. I called Selene Finance again to inform them of the fraud, but was again told by the representative there was nothing that they could do for me now that the property had foreclosed. She told me to call the Trustee, XXXX XXXX XXXX who handled the foreclosure for a possible resolution. I contacted XXXX XXXX XXXX, explained the situation and the fraud, but was told there was nothing they could do. XXXX XXXX was indicted on XX/XX/XXXX. She has been charged with multiple counts of theft, forgery, mortgage fraud, real estate sales without a license, fraudulent schemes/artifices and money laundering ( See attached docket sheet in re State of Arizona v, XXXX XXXX XXXX, XXXX, attached as Exhibit 9 ). On XX/XX/XXXX I spoke with the prosecutor, XXXX XXXX, then gave a statement to the investigator, and provided her with the supporting documents and communications with XXXX XXXX. Please help.