Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: WA

Complaint narrative:
I am providing the dispute letter to Selene Finance, LP, dated : XX/XX/XXXX : Date : XX/XX/XXXX To : Selene Finance Ombudsman, XXXX Offices From : Selene Finance Account : RE : Dispute of XXXX Mortgage Modification Appeal process, and Selene Finance and previous servicers negligence to provide required mortgage due diligence, and proper assistance and post-forbearance information required by the XXXX XXXX XXXX XXXX  of XXXX. 

I am officially disputing the following modification appeal process which did not provide proper due diligence as provide by State of Washington statues and the Consumer Financial Protection Bureaus Code of Federal Regulations ( CFRs ) : XXXX. In accordance with the 30-day homeowner modification appeal, Selene Finance issued a new Foreclosure Sale Date on XX/XX/XXXX, prior to the XX/XX/XXXX modification appeal deadline. The modification appeal was submitted with received notification by Selene Finance on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX, I spoke with XXXX from Selene Finances Ombudsman Office. I notified XXXX, a new Sale Date had be issued prior to my official modification appeal submittal. XXXX provided a false statement regarding when the foreclosure Sale Date notice was issued, he states : the foreclosure Sale Date was issued on XX/XX/XXXX. I asked him to examine the Postponement Notification document from XXXX XXXX dated : XX/XX/XXXX. He then stated he did not have access to Postponement Notification documents. However, XXXX called me on XX/XX/XXXX to indicate that there was no Sale Date on XX/XX/XXXX. 
XXXX. The issuance of the new foreclosure Sale Date prior to submitting my official appeal violates the following State of Washington XXXX XXXXXXXX XXXX XXXX XXXX and Consumer Financial Protection Bureaus Code of Federal Regulations ( CFRs ). 
a. WAC XXXX ( XXXX ). 
b. CFPB CFR, Part : 1024.41 ( h ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). 
In addition, Selene Finance has been negligent in investigating my dispute letter dated : XX/XX/XXXX, which I outlined the improper due diligence by previous servicers regarding required due diligence of my post-forbearance mortgage assistance required by the XXXX  XXXX XXXX XXXX XXXX. Selene Finance has also been negligent in provide requested underwriting information to the Washington Homeowner Assistance Fund, requiring me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) which Selene submitted a written response to CFPB, dated : XX/XX/XXXX. 
Lastly, Selene Representative, named XXXX provided incorrect and misleading information. He stated : Homeowner Assistance Funds ( HAF ) could not be combined with other funds to cure arrear balances. I contacted my HUD counselor, XXXX XXXX, and she confirmed with Washington XXXX that XXXX funds can be used with other sources of funding to cure mortgage arrears. 
I am requesting a XXXX or postponement of the current XX/XX/XXXX Sale Date based on the inaccuracies and negligence by Selene Finance based on the aforementioned factors listed above and to have and independent accounting analysis of the mortgage arrears considering the post-forbearance improper modification processing. 

Respectfully submitted, XXXX XXXX XXXX : Attorney XXXX XXXX ( Attachments )

Company response to consumer: Closed with explanation