Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Recently inherited this property from my mother to find out it was already in a process of foreclosure from the new mortgage service Se! ene Finance, but this also dates back to a different company that was the originator mortgage service and created this mathematical error mortgage statement problem that our accountants can confirm from our past mortgage servicer Select Portfolio Servicing out of Utah and Florida.

we hired a accountant to go over the mortgage statements because my mom saw errors, the accountant also agreed with us, as he witnessed the same errors we did it was not adding up correctly, we did a three-way call and spoke with a representative at XXXX XXXX XXXX XXXX who also checked the mortgage statement for errors mathematical, and agreed with us that this mortgage statement does not add up correctly it has mathematical errors in them. 

XXXX XXXX XXXX said they would send it to upper level management for review and to be fixed promptly. 

my mother at that time decided to stop making payments because XXXX more months had passed and we had not heard from XXXX regarding the mortgage statement error problem my mother absolutely doesn't like to get ripped off even though some people may tell you to keep making the payment no matter what my mother disagreed and I believe she was correct we don't send money to people asking for wrong amounts for any reason until the problem is fixed correctly but instead XXXX  months passed from our phone conversation with them and they sold our loan to Selene Finance in Texas, no response to the mathematical issued mortgage statement at all whatsoever none!

Almost immediately Selene tried to foreclose on my mother Within 60 days of taking over the loan, as her new loan servicer, they have employees who either quit all the time or way too many loans and customers to handle or both, as they took over 4 months to establish us as a new customer after the sale purchasing of my mother 's loan I then told them on the very first phone call that we could have with them immediately I said that XXXX XXXX XXXX had sold their investor a loan with mathematical errors in the mortgage statements and this must be fixed ASAP if possible we were paying the wrong amounts every month it showed money missing a lot of money fast forward to this year and now I am the new owner of this property as as I inherited the property as her son in XX/XX/XXXX and immediately they tried to foreclose with auction dates set and new ones pending ahead, they gave me a measly XXXX week extension not even 30 days a few weeks ago after I wrote on Consumer Finance a complaint here, this is when I got the actual first response that came back to me from them with a representative I could work with otherwise if I had not wrote a complaint here they never would have responded and tried to foreclose again and again they're like wild animals with rabies with these auction dates I moved into the home I inherited and activated a federal law that protectes my rights. It protects first of kin relatives as new owners somewhat!

it is called the saint-garn Germain Act a federal law written in 1982 still in effect today legal it stops them from asking me for the amount of money my mother owed them, Selene Finance can't ask me for the due on sales clause or to repay what my parents owe, But of course if you want to continue owning the property your responsible for the debt and can foreclose something I will never understand about this law, but I will say it has a great statute in it! 

The statute within that federal law states they must first negotiate with me completely before listing any auction dates or sale dates of the property, also a HBOR violation that also indicates the lender must do its best to negotiate before setting any foreclosure dates but they chose to break the law just like their brother XXXX XXXX XXXX and do nothing not offering you loss mitigation, modifying the loan, giving me a good 100 day extension to sell the property which is my goal at this point to rid myself of their law breaking practices in business somehow escaping from being fined or shut down! 

as a first time new homeowner I have been totally disrespected by Selene Finance and it continues day after day week after week month after month, they hire many young people that are reading off computer screens what to tell you next, some are very good others will literally hang up on you and tell you we're foreclosing on you regardless of whatever you have to say they're uneducated I believe underage some you're lucky to get XXXX of them on the phone, They have so many loans they will not call you for a good XXXX hours or return your call this is happening numerous times this year, getting a supervisor on the phone for some serious talk and answers good luck you'll wait a good week or longer to talk to such a person at Selene Finance They keep denying my applications and keep telling me they're not going to help me and they are going to foreclose, their kid Representatives will not help you complete the application correctly it will just keep getting denied if you have no pay stubs ridiculous I plan to sue them with full litigation I have already hired XXXX attorneys just waiting for their response to see what they're going to do next before litigation will commence, I told them I needed 2 years to try to repay what my parents owed them they instead tried to foreclose on me and send my license and inheritance trust to their foreclosure attorneys from day XXXX of first conversation reflecting what my parents owed them not following the laws to negotiate with me before doing any type of auction foreclosure dates My mother was ripped off right up until her passing away as they acted like partners and helped select XXXX XXXX XXXX from my mother with wrong mortgage statements asking for the wrong amounts to send in each month again our accountant verified money was either missing or miscalculated in the statements from Select Portfolio Services and more than likely now from Selene Finance as they had no idea about the loan they purchased for their investor did nothing about it even after telling them from day XXXX the loan is mathematically incorrect they said they would fix the issue they did absolutely nothing even to this very day it's the same issue they have denied helping me, as the new owner in the inheritance I would try to contact them by phone by email even hired a lawyer to talk to them to no avail their focus is to foreclose on you and stall as long as they can to get to the legal foreclosure dates for auction for new inheritors of properties is their main focus it would seem more than likely it is they would tell me because I was not on title they were not going to speak with me even after my mother passed away! 

this went on for about 10 months stalling to try to foreclose on the property instead of fixing the issue and helping me as their new customer owner of the property inherited if you have a loan with Selene Finance I suggest you refinance to get away from them they are not organized, they have too many loans and not enough customer service that has Intelligence enough to help you, the supervisors will never speak to you if they do you will be very lucky the first XXXX days of the week they don't even take calls not allowed to speak to your selected representative, they take days to call back if you're lucky more than likely you will have to call them back again and again to get through it's just one big scam after another from them I plan to sue 100 %

Company response to consumer: Closed with explanation