Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: NC

Complaint narrative:
In XXXX, I entered into a bankruptcy agreement to prevent the possibility of foreclosure of property. This agreement was overseen by the law office of XXXX XXXX XXXX in XXXX NC. My trustee was XXXX XXXX and the Paralegal was XXXX XXXX. In the bankruptcy, XXXX XXXX XXXX, agreed to represent me in the settling of debts related to XXXX vehicle loans, a XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX personal loan from XXXX XXXX, and paying off my mortgage of XXXX XXXX XXXX XXXX XXXX NC XXXX. As part of this agreement Selene Finance was to continue as the holder of the portion of the settlement pertaining to the mortgage. 
Before agreeing to this plan, I was informed by my representatives at XXXX XXXX XXXX that all creditors had agreed to what they referred to as a cram-down offer. This offer was explained to me as all creditors having agreed to settle any remain moneys owed for the fair market value. The representative also informed me that once I had met the condition of the proposed cram-down offer, all associated debt would be paid in full. This plan was presented as a method of total pay off of my vehicles, loan, and residential property. I and all other parties agreed to this offer. 
The agreement outlined that I would pay {$1900.00}, per month ( XXXX bi-weekly payments of {$950.00} ) for a total of XXXX months. This amount was to cover all payments related to the vehicles, the loan, and property plus an escrow account to cover property taxes and homeowners insurance. Received documentation showing that after these payments were made no additional payments were going to be required. I met all conditions of this agreement without any late payments are penalties. All payments, but the first, were made through pay roll deductions. In XXXX of XXXX, I received a notice of discharge from the bankruptcy. This notice was sent to me from the law office of XXXX XXXX XXXX. Shortly after receiving the discharge notice, I received the title to both of my vehicles. However, I did not receive my cleared Deed of Trust. 
Approximately XXXX months after the receiving of the discharge notice, I received a letter from Selene Finance stating they were attempting to extend the bankruptcy as an attempt to collect money they believed I still owed them. I made several attempts to contact Selene Finance and, after several tries, was able to contact someone who stated they worked in the customer service dept. This representative stated they were showing that approximately {$14000.00} was still owed. I explained to them that this is a mistake and explained the original agreement made in the bankruptcy agreement. No resolution was reached. I then reached out to my trustee, XXXX XXXX, and enquired how can they be attempting to extend my bankruptcy. She, at the time, did not know how are why. She assured me that I do not owe them anything and that my home has been paid in full. 
During this past month, I received a notice from bankruptcy court that stated XXXX request to keep open the bankruptcy had been denied and it had been XXXX. Apparently, there was a court date set to resolve this issue. Neither agency informed me of that scheduled date. This week, I received a letter from Selene Finance. The letter advised that they believe they are owed {$22000.00}. Upon receiving this letter, I called the law office of XXXX XXXX XXXX and spoke with a XXXX XXXX. She told me that XXXX had being given notice not to contact me about any moneys that they believe were owed to them. She emailed me a letter that she said was send to XXXX. In the letter it states that contacting me about any additional money is illegal. Currently, XXXX scheduled for a over the phone conversation with a XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX. This appointment is scheduled for Wednesday XXXX at XXXX. 
Please assist in correcting this problem. Neither agency has been able to provide me with a reason they believe more money is owed to Selene Finance. I have kept my agreement that I made in the bankruptcy. There should be no justifiable reasons why I am being pursued for any more money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation