Consumer complaint received 2026-03-18 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: CA

Complaint narrative:
I am submitting this complaint regarding mortgage servicing errors by Selene Finance ( XXXX XXXX. XXXX ). On XX/XX/XXXX, I sent a formal Notice of Error and Qualified Written Request under RESPA requesting a complete escrow accounting and documentation related to the handling of escrow funds ( see attached XXXX ). In that correspondence, I specifically requested : A complete escrow accounting for XX/XX/XXXX through XX/XX/XXXX Documentation showing escrow balances at the time of servicing transfers A detailed explanation of any alleged escrow shortage Selene Finance responded on XX/XX/XXXX ( see attached XXXX ). However, the requested escrow accounting for XX/XX/XXXX through XX/XX/XXXX was not provided. Instead, the response included limited records covering later time periods and did not address the escrow activity, balances, or transfers during XXXX, which remain central to my dispute. I made regular mortgage payments, including escrow contributions, throughout XXXX and continued making payments that included escrow amounts into XXXX. Records from the prior servicer ( Rushmore Servicing ) confirm that : Monthly mortgage payments in XXXX included escrow amounts of approximately {$540.00} ( see attached XXXX ) Escrow funds were collected as part of my payments The escrow account reflects repeated escrow advances while maintaining a XXXX balance ( see attached Escrow_Activity_Showing_Advances.pdf ) These records demonstrate that escrow payments were made but were not properly retained or credited, as reflected by the pattern of escrow advances offsetting the amounts collected. Additionally, these records show that escrow funds were actively advanced and disbursed while the escrow balance remained at or near XXXX, indicating potential misapplication or improper accounting of escrow funds. At the time of servicing transfer in or around XX/XX/XXXX, escrow balances existed and should have been transferred and accounted for. However, no documentation has been provided showing how these balances were handled across servicing transfers. As a result of these unresolved servicing issues : Escrow funds paid by me have not been properly accounted for Mortgage payments may have been misapplied An alleged escrow shortage was created without adequate documentation My payments were refused ( Mortgage Servicer XXXX my ability to pay from Web site. Personal check I sent via US mail was not cashed. I sent Cashier 's checks via registered US mail that were not cashed either ) Foreclosure proceedings were initiated based on incomplete or inaccurate account information A foreclosure sale is currently scheduled for XX/XX/XXXX despite this unresolved dispute. I am ready and willing to bring the loan current once the escrow accounting errors are corrected and any improper charges are removed ( I have all the mortgage due balance on my account. Just need to clarify the discrepancies to avoid over paying ). I am requesting that the CFPB investigate the servicers failure to properly respond to my Qualified Written Request, failure to account for escrow funds across servicing transfers, and continuation of foreclosure while a material servicing dispute remains unresolved.

Company response to consumer: Closed with explanation