Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: MS

Complaint narrative:
I am writing this letter in hopes that someone will assist me with stopping my mortgage company from taking my home with foreclosure when I have the means to bring my account current and can afford to make my payments going forward. Below is the exact appeal information that I have sent to Selene Finance on yesterday. 

I have written and called to Selene multiple times during this modification process asking for acceptance of the plan to ensure that my past due balance can be paid and my mortgage brought current. I have stated both verbally and written that I have applied for assistance from XXXX XXXX program HOWEVER ; their contribution of {$50000.00} would not be able to be sent to Selene until I paid the balance in excess of the {$50000.00} which is now {$14000.00}. I have been denied from XXXX XXXX only based on my past due balance being over their program limit of {$50000.00}. I have {$14000.00} readily available to send to Selene and have been reassured by XXXX XXXX that once the balance on my home is brought down to {$50000.00} they will cover the rest. It appears that none of my statements were even considered as an option to help me stay in my home. I am struggling to understand why Selene is not willing to help me with this plan for a SECOND time. In XXXX I applied for assistance from XXXX XXXX and was approved initially but Selene did not send in the paperwork timely which eventually caused the approval to turn into a denial. I have provided contact information to XXXX XXXX at XXXX XXXX XXXX for you to contact if further verification and assurance was needed of the {$50000.00} payment multiple times and will provide it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Per Selene 's OWN mission statement which reads " We recognize that home ownership can be challenging when financial difficulties arise. We are committed to helping you avoid financial hardship if possible. We have flexible options for our customers who are struggling financially. We focus on finding solutions to assist customers who are facing difficulty making their mortgage payment. Selene has helped thousands of homeowners avoid foreclosure using our innovative solutions. '' I am struggling to understand why Selene 's commitment to help find " innovative solutions to avoid foreclosure '' is not applying to me. 

My hope is that Selene will uphold its OWN PUBLIC mission statement and work with me to rectify this situation as I am no longer in a financial hardship, have a plan to bring my mortgage current and I can afford my regular monthly payments moving forward and can have some resemblance of peace without the stress and worry that my family will be homeless because of Selene 's unwillingness to stand on the their promises to the customers it serves. 

I am a single XXXX mother with a deceased husband. My home is now in active foreclosure. This process has been going on for years without Selene allowing me to make any payments and denying multiple mortgage assistance applications. Please help me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation