Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against the law firm XXXXXXXX XXXX XXXXXXXX for their role in attempting to wrongfully evict me from my home on behalf of their client, Selene Finance. I believe that XXXXXXXX XXXX XXXXXXXX XXXX  actions in enforcing this eviction are in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). 
XXXX XXXX XXXX XXXX conduct appears to violate the following provisions of the FDCPA : Section 807 - XXXXXXXX XXXX XXXXXXXX have made false representations about the status of my debt and their right to proceed with an eviction, despite being informed of the ongoing investigation into the foreclosure 's validity and the evidence I have provided challenging the lawfulness of the foreclosure. Their client has sent monthly mortgage statements and accepted monthly payments, Since spring of XXXX. This was deceptive and presented a false sense of security. 
Section 808 - XXXXXXXX XXXX XXXXXXXX have engaged in unfair practices by attempting to evict me without properly considering the evidence I have presented and the previous servicer 's commitment to review the foreclosure. They have continued to pursue the eviction despite being made aware of the irregularities in the foreclosure process. 
The pertinent facts of my case are as follows : My home was previously foreclosed on, but I believed the eviction was postponed when I started receiving mortgage statements from Selene Finance six months ago, years after the foreclosure sale. 
The previous servicer, XXXX, stated in response to a prior complaint that they would review the foreclosure based on information I provided, which showed payments made and insurance money received for a total loss house claim. I rebuilt the house using my own funds. ( See attached documentation ) XXXX confirmed that all relevant information had been forwarded to Selene Finance to stop the eviction pending further review. ( See attached correspondence ) I have informed XXXXXXXX XXXX XXXX of these facts and the ongoing investigation into the foreclosure, but they have disregarded this information and continued to aggressively pursue the eviction on behalf of Selene Finance. ( See attached correspondence with XXXXXXXX XXXX XXXXXXXX ) I request that the CFPB investigate XXXXXXXX XXXX XXXX XXXX  practices and their collaboration with Selene Finance in this matter. I ask that the CFPB take appropriate action to ensure they cease any wrongful eviction attempts and comply with all applicable federal laws and regulations. 
Furthermore, I am considering filing a separate complaint against XXXXXXXX XXXX XXXX with the state bar association for potential violations of professional ethics rules in their handling of this matter. 
Thank you for your attention to this complaint. I have attached relevant documentation to support my allegations and am available to provide any additional information needed. 
Sincerely,

Company response to consumer: Closed with explanation