Consumer complaint received 2016-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

Selene Finance LLC too over my mortgage from XXXX XXXX XXXX as of XXXX XXXX. I was approved by XXXX beginning XXXX/XXXX/XXXX for a loan modification and paid them {$740.00} every month until XXXX/XXXX/XXXX when Selene took over. Unbeknownst to me, the modification was rejected to a incorrect paperwork filed by XXXX but they did not inform me that there was a problem. XXXX did not fix the error with the paperwork nor with the balancing of my account. So when Selene took over the account, they sent me a notification that I was in arrears from XXXX and that I owed back payments. I had to send the approved modification document because they did not have the approved copy. I still continued to make the {$740.00} payment to Selene monthly as they said that they were still trying to update their records from XXXX. I received more collection letters XX/XX/XXXX and called to ask why. I was told that again it was because they did not have a copy of the modification and that according to the balance sheet they got from XXXX, it show that I was past-sue and not making the correct payments of {$940.00}. XXXX and I both sent a copy of the modification again. On XXXX/XXXX/XXXX, I received an Annual Escrow Acct Disclosure Stmt reflecting a surplus of {$1800.00} that was over-paid to my escrow account. I called Selene to find out if this was correct and was advised by XXXX, a CSR, that it was. I faxed a letter to them as instructed to apply the money to my XXXX, XXXX, and XXXX XXXX payment. I received a Letter of Intent dated XXXX/XXXX/XXXX from Selene stating that I was in default and had 30 days to pay {$16000.00} due from XXXX/XXXX/XXXX. I contacted them to ask why considering that XX/XX/XXXX I was with XXXX. I was told that there was no modification paperwork again and that was what I owed from XXXX and them. XXXX with XXXX and myself called Selene where she explained what had happened and that they did have all of the documents. Selene advised her that they were still trying to fix the account from taking it over. After they updated the systems, they showed that I owed {$3000.00}. When I would call the account rep, he would simply tell me that I was 6 months past due and that is what I owed. I still continued to make my {$740.00} payments every month. Finally in XXXX XXXX, a representative finally explained to me that I was given incorrect information regarding the Escrow over-payment and in fact owed the the money I took the credit for. He also explained that my monthly mortgage amount as of XXXX XXXX was {$720.00} not {$740.00}. I sent them a check dated for XXXX/XXXX/XXXX for {$3000.00} to bring my account current. My credit reports with the bureaus reflect that I still a past due amount of {$3600.00} and that my account has been past-due 180+ days past due as of XX/XX/XXXX. I have filed disputes with the credit bureaus however they refuse to correct the information. I have repeatedly contacted Selene who claims that they will research and correct the information. How could I have been 180+ days past-due in XXXX XXXX when they only had my account for 60 days. They last updated to XXXX XXXX/XXXX/XXXX not update anything. My account is current as of XX/XX/XXXX and was only behind due to being misinformed by THEIR representatives.