Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: MI

Complaint narrative:
-In Fall of XXXX my mortgage servicer was switched from XXXX. XXXX to Selene Finance . -Loan No is XXXX -Selene is extremely unprofessional : I have been yelled at and told things were my fault when they failed to responded to my application for a workaround plan in a timely manner. -Most of my financial issues stem from working at that time three ( 3 ) jobs that pay minimal income along with continuing significant car repairs of {$1500.00} - {$2000.00} where my vehicle is not drivable and I am forced to do the extensive repair. -Unfortunately I totaled my car on XX/XX/XXXX. -I have also recently been diagnosed with XXXX XXXX and extremely XXXX XXXX XXXX. -Because of ongoing financial shortfalls as I turned 62 years of age in XX/XX/XXXX I filed for Social Security Benefits which are retirement based. Benefits began in XX/XX/XXXX and continue ( award letter attached ). -The strategy at Selene appears to be to never let you make a payment unless you can pay the full amount less one ( 1 ) payment. They state they have an algorithm. I attempted multiple times to make multiple full payments but was told due to their algorithm I could not. -I expressed concern that more and more time was passing and I was getting further and further behind and not reducing my balance due. -I first tried to make a payment on Monday, XX/XX/XXXX of {$1200.00} in response to a Demand Letter and was told the payment had to have been paid the previous Friday ; the representative spoke to a Supervisor to ask if the payment could be accepted and the answer was No. -Since I wanted to make higher payments to catch my account up I was advised to fill out a formal application for what Selene called a " workaround '' plan, this was in early XX/XX/XXXX. -After sixteen ( 16 ) days went by without hearing anything I called Selene and was yelled at and told they did not know why my application had not yet been looked at but it was my fault for not calling back sooner. I was told the application would be expedited. -After acknowledging my application and all supporting documentation was complete as of XX/XX/XXXX I was told my application was denied and would have never been approved because I did receive a loan modification in XXXX when the servicer was XXXX, and I could not apply again until XX/XX/XXXX. -Again, not asking for a loan modification, just the ability to bring my account current in 2-3 payments. -When I asked why I was instructed to fill out the workaround application, spoke to several representatives over a period of weeks, was advised of what documentation was missing, only to be told I would have never been approved, the representative stated they could not answer why I was advised to fill out the application and complete supporting documents by several representatives. I believe this was a strategy by Selene to let time go by so they could proceed with Foreclosure. -I acknowledge my responsibility on getting behind on my mortgage, however by adding in additional income via my Social Security Retirement Benefits which did not start until XX/XX/XXXX, and while still working at Life Time Fitness, I have sufficient income to bring my mortgage current in 2-3 months and keep current on the loan going forward. -I have owned my home since XXXX. -Please help, Selene is impossible to deal with, XX/XX/XXXX, the foreclosure date is coming quickly. -Thanks in advance for your consideration!

Company response to consumer: Closed with explanation