Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Complaint against : U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLEY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
Unbeknownst to me while I was in the hospital, XXXX XXXX XXXX was accused of fraud by the Federal Trade Commission in XXXX, so they paid the Federal Trade Commission {>= $1,000,000} and changed their name to XXXX XXXX. Florida Statute 673.2031 holds a mortgage company can not transfer a mortgage if fraud is involved. But XXXX XXXX jumped in and bought the loan from XXXX XXXX XXXX appears and then sold it to an investor group XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trustee for XXXX XXXX also trustee for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX signed for an assignment of my mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX also trustee for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mn XXXX which they can not do. That is fraud and stealing. Only XXXX XXXX can assign the Mortgage and note to XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX also trustee for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Mn XXXX. Fs 494.0075 ( 5 ) holds investment groups like XXXXXXXX XXXX XXXX XXXXXXXX need to have the note indorsed to them by the lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the investor group can not use an indorsement in blank. XXXX in the front of the title gives the illusion that the lender is a financial institution when it is not, when it is only dba as XXXX XXXX ( an acquired XXXX XXXX  for XXXX ) as XXXX for XXXXXXXX XXXX XXXX XXXXXXXX. Hence there are multiple layers to conceal the real owner of the mortgage and to avoid any liability. In Florida this is deceptive trade practice FS 501.204. Hence, we have XXXX XXXX XXXX XXXX and as XXXX for XXXXXXXX XXXX XXXX XXXX. Also they are not in compliance with FS 494.075 ( 5 ) because the note has not been indorsed by XXXX XXXX XXXX XXXX XXXX XXXX over to XXXX XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, the assignment of mortgage is deficient because XXXX signed it over to themselves which they can not do. FS 494.0075 ( 2 ) and ( 3 ) require the lender XXXX XXXX XXXX the mortgage assignment over to the new lender or investor group first and record it in public record. This has not been done. XXXX assigned the mortgage to themselves which is stealing. And any power of attorney or attorney in fact must record in public record first that he is signing the assignment of mortgage. Fs 695.01. This was also not done. Because all the paper work was not done properly by Florida law, XXXX XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX XXXX also trustee for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold or transferred to U.S. BANK TRUST NATIONAL ASSOCIATION , NOT IN ITS INDIVIDUAL CAPACITY BUT SOLEY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX. But this is not a legal transfer either because U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLEY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX does not have their paperwork correct either. There is No Note indorsed to them since they are an investor group per Fs 494.0075 ( 5 ) and no assignment assigned to them properly per fs 494.0075 ( 2 ) and ( 3 ) and Fs 701.02 because XXXX XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX XXXX also trustee for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Mn XXXX never owned the loan and did not have authority to transfer something they did not own. XXXX XXXX  has sold to these investor groups who are flooding the country with Foreclosures which are fraudulent because they dont have their paperwork in order because investor groups are held to different standards then banks and lenders who act in the best interest of the homeowner and the investors only try to steal the home for themselves. Homeowners need to have a say who holds their mortgage and investors need to get permission first from homeowners because investors only try to steal the home from homeowner and this needs to change. Banks, lenders, and investors need to get permission in advance from the homeowner if the lender or investor group is going to transfer. Homeowners need to have a say who they do business with, so they do not wind up with criminal lenders and criminal investors like I have.

Company response to consumer: Closed with explanation