Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Please treat this submission as a separate XXXX  and independent claim, not a duplicate of the prior CFPB complaint. 

Selene Finance is required to provide a complete copy of my original mortgage loan contract, including the full promissory note and security instrument from closing. 

Selene Finance must also provide a complete copy of any mortgage note they claim designates this loan as conventional, including : The full signed note My wet signature All pages, riders, and disclosures The date and time the alleged loan-type change occurred I am requesting this because no refinance was ever completed and I never signed any document authorizing a conversion from FHA to conventional. Any document showing a conventional loan must therefore be investigated for forgery, alteration, or unauthorized modification. 

All mortgage companies involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Selene XXXX  ) have already been issued formal XXXX letters requiring them to provide this information and to document when and how this loan was allegedly switched to conventional without my consent. 

This CFPB claim seeks enforcement of those requests and investigation into the loan-type misclassification and possible document irregularities. 
Plaintiff incorporates the following statement as the factual foundation for all legal claims asserted herein : I Demond that Selene finance cease and desist with in forcing their illegal pending fourcluse that was done illegally and not based on fha guideline Selene finance will be ask in court to present the original mortgage note that must prove my wet signature not a copy because a copy can easily be tampered with that mortgage note must show proof that it is a conventional loan and not a fha like their claiming it is I have my full closing document with my wet signature proof that this loan was originate as on fha and no reference was taken please are any type of agreement to convert my loan to conventional loan, you have also recently denied me for a loan modification base of private investor guid line on fha a loan Can not be held under a private investor this is a violation, XXXX also done on loan modification in the past that was base off on conventional loan which raises my interest rate from 3.7 % to 8 % this is not required under on fha XXXX XXXX demanding that you re convert my loan back to the original loan because you done it illegal and did not fallow the fha guideline outline in my promisery note mortgage died XXXX also disputing the amount you claim owed because your incurate illegal 8 % rate increase my monthly pay XXXX $ there fore it accrue extra charges. This statement is incorporated as factual allegations supporting Plaintiffs claims for statutory damages, emotional distress, wrongful foreclosure, and injunctive relief. 
My original loan documentsincluding the mortgage note, the promissory note that Selene Finance is currently operating under, and all recorded loan agreementsconfirm that my mortgage originated as an FHA-insured loan governed under FHA guidelines XXXX I have never refinanced, never authorized, and never signed any agreement converting this FHA loan into a conventional loan. This XXXX  is submitted to dispute multiple servicing errors, improper loan classification issues, inaccurate reporting, and unauthorized modification activity. 

An FHA-insured loan can not be terminated, converted, or reclassified as a conventional loan unless the FHA loan is fully paid off through a refinance or the borrower signs a clear, explicit agreement consenting to the conversion. I never refinanced, never authorized any conversion, and never signed any document converting my FHA loan into a conventional loan.

Any attempt to change the loan type without those required steps is unauthorized, improper, and constitutes a servicing error, a breach of contract, and a violation of HUD/FHA servicing requirements.

Selene Finance, You have all the evidence in your possession confirming that this account was illegally and improperly switched from an FHA-insured loan to a conventional loan without my knowledge, consent, or any valid FHA termination XXXX 

You also have my signed FHA loan documents on record, which clearly contradict the loan type you are currently operating under. Your servicing records, modification files, and the original note all prove that you are servicing an FHA loan as if it were conventional and placing it under a private investor, which is a serious servicing violation. 

I am demanding that Selene Finance immediately review all evidence I have provided, along with all documents already in your own file, which show that this loan remains an original FHA loan and was never converted, refinanced, or legally reclassified as conventional. 

At this point, I am willing to resolve this matter outside of court if Selene Finance corrects the servicing errors and acknowledges the improper loan classification. 
If not, I am fully prepared to proceed with formal legal action and pursue all remedies available under Federal and State law. 

Please conduct your full review and respond promptly. 

Please see attached for further details

Company response to consumer: Closed with explanation