Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Conventional home 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: CT

Complaint narrative:
CFPB Complaint Failure to Respond to RESPA Request for Information Complainant : XXXX XXXX XXXX : Selene Finance LP Loan Number : XXXX Property Address : XXXX XXXX XXXX, Old XXXX CT XXXX Subject : Failure to respond to Request for Information under RESPA ( XXXX XXXX. XXXX ( XXXX ) ) Date : XX/XX/XXXX Purpose of Complaint This complaint is submitted to the Consumer Financial Protection Bureau regarding Selene Finance LPs failure to adequately respond to a Request for Information ( RFI ) submitted pursuant to the Real Estate Settlement Procedures Act ( RESPA ). The requested records relate to the servicing history, ownership transfers, and custody of the promissory note associated with the mortgage loan. Despite receiving both the original RFI and a subsequent clarification letter identifying deficiencies in the response, Selene Finance has failed to provide the requested information. Timeline Original RESPA Request for Information Sent : XX/XX/XXXX Partial / Incomplete Response Received : Response Letter Dated XX/XX/XXXX Postmarked XX/XX/XXXX Received XX/XX/XXXX Clarification Letter Sent to Selene Finance : XX/XX/XXXX Partial / Incomplete Response Received : Response Letter Dated XX/XX/XXXX Postmarked XX/XX/XXXX Received XX/XX/XXXX Background The requested records relate to a mortgage loan currently involved in foreclosure litigation. The information sought concerns the transfer history of the loan, the entities involved in servicing and ownership, and the custody of the original promissory note. These records are necessary to understand the servicing and transfer history of the loan and to verify the accuracy of representations made regarding ownership and possession of the loan documents. Documentation Requested Selene Finance has failed to provide the following categories of records requested under RESPA : XXXX. Loan Ownership and Transfer History Complete chain of transfers of the mortgage loan. All assignments of mortgage relating to the loan. All agreements or records reflecting the transfer of ownership of the loan. XXXX. Promissory Note Possession and Custody Identify the entity that had physical possession of the original promissory note and the document custodian maintaining the note on that entitys behalf on the following dates : Date the foreclosure action was filed XX/XX/XXXX ( servicing transfer period ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( date motion to substitute plaintiff was filed ) Present date Provide records identifying : The document custodian maintaining the original note The physical location of the original note Any custodial logs reflecting possession of the note XXXX. Custodial and Collateral Records Provide copies of : Custodial certifications relating to the loan Collateral tracking logs Collateral exception reports Bailee letters or other documents reflecting temporary transfers of the original note XXXX. Servicing Transfer and Boarding Records Provide records relating to the onboarding of the loan and any servicing transfers, including : Loan boarding file created when the servicer first received the loan Records identifying the investor or loan owner listed in the servicing system at the time of boarding Servicing transfer file and transfer instructions between prior and current servicers Document inventory or file transfer records showing what loan documents were received during servicing transfer Boarding checklists or verification reports used when the loan was added to the servicing platform XXXX. Servicer Records Relied Upon Provide the business records relied upon by Selene Finance to determine : the ownership of the loan the entity possessing the promissory note the authority of any party pursuing foreclosure investor reporting records or investor reporting data identifying the loan owner reported by the servicer XXXX. Foreclosure Referral and Attorney Engagement Records Provide nonprivileged servicing records sufficient to identify the timing and basis for referral of the loan to foreclosure counsel, including : the date the loan was referred to foreclosure counsel the foreclosure referral package or referral transmission sent to counsel records identifying when foreclosure counsel was retained or authorized to act servicing system notes reflecting the referral to foreclosure counsel internal servicing notes or contact logs relating to foreclosure activity These records are requested as ordinary servicing records reflecting referral and authorization events and do not seek privileged attorneyclient communications or litigation work product. XXXX. Servicing System and Loan History Records Servicing System and Loan History Records Provide copies of servicing system records reflecting the loan history, including : servicing platform loan history or transaction history servicing notes or activity logs maintained in the servicers system internal communications or escalation notes concerning document availability, ownership verification, or foreclosure authority document inventory records maintained by the servicer reflecting the loan file contents Failure to Respond Despite the statutory obligations imposed by RESPA, Selene Finance has failed to provide all the requested records or issue a complete response addressing the deficiencies identified in the clarification letter. The failure to respond has prevented the borrower from obtaining basic information regarding the servicing and ownership of the loan. Requested Resolution The borrower requests that Selene Finance provide a complete response to the Request for Information and clarification letter, including all records necessary to identify : the ownership history of the loan the entities involved in servicing the loan the entity possessing the original promissory note the document custodian responsible for maintaining the note the records relied upon in asserting the authority to pursue foreclosure records identifying when foreclosure counsel was retained by the servicer or loan owner servicing notes, contact logs, or referral records reflecting when the loan was referred to foreclosure counsel any communications or referral instructions between the servicer and foreclosure counsel relating to initiation or continuation of the foreclosure action Attachments The following documents are attached in support of this complaint : XXXX. Original RESPA Request for Information XXXX. Clarification Letter to Selene Finance Certification I certify that the statements made in this complaint are true and accurate to the best of my knowledge and are based on the records currently available to me. XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX,XX/XX/XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation