Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
b'I am filing a complaint against Selene Finance LP for refusing to accept and credit a mortgage payment sent on XXXX XXXX XXXX via USPS Certified Mail. Certified Mail #: XXXX XXXX XXXX XXXX XXXX XXXX. Payment was Check #XXXX  in the amount of XXXX. Selene has failed to credit this valid payment and has issued a reinstatement quote that ignores the tendered funds. This violates RESPA, Prompt Crediting laws, Consumer protection acts if the payments you made were valid Regulation X, servicing error under 12 CFR  1024.35(b)(1), 12 CFR 1024.35(b)(5), and 12 CFR 1026.36. Appears Selene Manufactured a Default. I request immediate investigation.\n\XXXX  Loan Modification Approved \nXXXX XXXX  I mailed Check #XXXX  for XXXX certified USPS\nXXXX XXXX  Selene signed for Check XXXX for XXXX XXXX Selene moved XXXX into an "unapplied funds account"\nXXXX XXXX - Emailed Selene to ask why funds not applied - NO RESPONSE\nXXXX XXXX XXXX XXXX XXXX - Unapplied funds account still shows XXXX- Modification - Revoked and XXXX  applied to balance, and manufactured a foreclosure- NEVER NOTIFIED ME OF FORECLOSURE\nNov 22nd - I mailed check #XXXX  for XXXX certified USPS\nXXXX XXXX - Called spoke to XXXX XXXX to advise I mailed payment & started new loan modification per XXXX  suggestion. XXXX  advised payment should not have been held so email Selene to ask why that was done. He advised I was in foreclosure and requested reinstatement letter.\nXXXX XXXX  - Selene signed for check #XXXX  for XXXX XXXX  - Selene Drafts Reinstatement Letter -does not mail or email or put in my online portal.\nXXXX XXXX  I called to follow up on check being applied - given misinformation from 3 different reps including one supervisor. Emailed Selene for proper response in writing on how my account is being handled.\nXXXX XXXX sent via usps certified mail - preservation demand for reinstatement records, notice of unlawful disposal os servicing records, general counsel notice, intent to pursue federal and state enforcement, notice of error, demand for full servicing records, \nflorida statutory citation sheet, master enforcement notice,demand for original mortgage and enforceable clauses, request for payment history, request for escrow analysis, standing notice of monitoring and enforcement, trustee notice of error, request for info as trust/trustee, trustee certification - each mailed to Legal Dept Enforcement, Immediate Servicing Dept, and Executive Escalation Dept.\nXXXX XXXX  - Recd FedEx document refusing my check of #XXXX  for XXXX  and a piece of paper saying "Legal Tender: DO NOT THROW AWAY!" - showing my check was recieved and shredded but returned to me and a image replacement document. \n\n-I WAS NEVER NOTIFIED I WAS NO LONGER IN A MODIFICATION.\n\n-MY ACCOUNT PORTAL DID/DOES NOT SHOW I WAS NO LONGER IN A MODIFICATION.\n\n-NO MODIFICATION DOCUMENTS ARE IN MY PORTAL. COMPANY HID OR DESTROYED THEM. \n\n-I WAS NEVER NOTIFIED I WAS IN FORECLOSURE.\n\n-MY ACCOUNT PORTAL DOES NOT SHOW I AM IN FORECLOSURE\n\n-NO DOCUMENTS IN MY PORTAL SHOWING FORECLOSURE'

Company response to consumer: Closed with explanation