Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I strongly believe that Selene Finance LP & XXXX XXXX may be involved in some Possibly Fraud wilfully & I will take Legal Action if this Possibly Fraud Continues. 

I requested Loan Modifications from XX/XX/year> but Selene Finance LP & XXXX XXXX XXXX be involved in Fraud & Discrimination & never offered me a Loan Modification possibly because I am a XXXX 

XXXX ) On XX/XX/year>, after I sent my previous email, I received a Letter from Selene Finance LP, from XXXX XXXX XXXX, stating that I was offered a Loan Modification on XX/XX/year>, which is totally false. Please find the Letter attached to this email. 

XXXX ) Please find the Documents shown in my Selene Finance LP Mortgage Account that I was offered a Loan Repayment Plan where my Mortgage Payment is increased to {$1400.00} from {$1400.00} & {$1400.00}. So, Selene Finance LP increased my Monthly Mortgage Payment under Repayment Plan & now making a False Statement that I was Offered Loan Modification but I never received the Documents until XX/XX/year>. It's very Shameful. 
Please find the document attached showing that Selene Finance LP offered me Loan Repayment Plan by increasing my Monthly Mortgage Payment & didn't offer me Loan Modification as per the Letter dated XX/XX/year>. 

XXXX ) Moreover, Loan Modification Trial Payment can't be increased from the Monthly Mortgage Payment as it must be Reduced but Selene Finance LP increased my Monthly Mortgage Payment by violating the Loan Modification Guidelines of XXXX XXXX. 
Please find my Monthly Mortgage Payment Statements attached to this email as follows where in XX/XX/year>, my Monthly Mortgage Payments were {$1400.00} but Selene Finance LP increased my Mortgage Trial Payment to {$1400.00} instead reducing it significantly after filing Mortgage Assistance Application. If this is not Possibly Criminal & Fraud Action then what is this? Please let me know. 

XXXX ) Please find the Mortgage Statement from XX/XX/year> attached to this email where the Monthly Mortgage Payment was {$1400.00} but Selene Finance LP increased my Mortgage Trial Payment to {$1400.00} instead of reducing it significantly due to my Mortgage Assistance Application. 

XXXX ) Please find the Guidelines of XXXX XXXX for Loan Modification where the Monthly Mortgage Payment, Principal & Interest ( P & I ) must be reduced significantly & should be less than pre-modification P & I, but Selene Finance LP increased my Monthly Mortgage Payments. It's very shameful in my personal opinion. Please find the XXXX XXXX XXXX attached to this email. 

XXXX ) As requested multiple times before, I am requesting a Legal Loan Modification as per the Laws & Rules of XXXX XXXX as my Loan is backed by XXXX XXXX & servicing by Selene Finance LP. 
Please consider this as a Legal Notice to provide me a Lawful Loan Modification or Face Legal Consequences including filing Federal Lawsuits for Possible Discrimination as I am not offered a Loan Modification even after requesting a Loan Modification from XX/XX/year> as I am a XXXX. I will also report to my Congressman XXXX XXXX XXXX & my Senators XXXX XXXX XXXX XXXX & XXXX XXXX XXXX to take necessary actions. 

XXXX ) Please provide me Loan Modification & also share with me the documents of the External BPO done by Selene Finance LP & /or XXXX XXXX XXXX 
I sent an email on XX/XX/year> but failed to get any response when Selene Finance should respond within 5 Business Days as mentioned in the Selene Finance Mortgage Assistance Application. I received a Response on XX/XX/year> but it's full of Possible False Statement by Selene Finance LP XXXX XXXX XXXX. 
If I make any Phone Calls to Selene Finance LP, the Customer Service people are extremely Rude & Unprofessional & they hang-up the phone call without any reasons as this can easily be proved as all calls were on Recorded Line. 
Also, I saw that the Selene Finance LP System captured my Income as wrong.

It should be {$4600.00} only but it's updated in two places as {$4600.00}.

I corrected the Selene Finance Mortgage Assistance Application & please find it attached to this email with Monthly Income as {$4600.00} only.

If I don't get a Loan Modification then I will be forced to exercise my Due Process Rights to take Legal Action. 

Getting Loan Modification is my Legal Rights & I want a Loan Modification, which I requested for the last several months. 

If my Loan is more than 90 days delinquent, then I don't need any Hardship Application or Income Verification for Loan Modification as per the Guidelines of XXXX XXXX XXXX but Selene Finance never offered me Lawful Loan Modification till date. Either Selene Finance LP & XXXX XXXX offers Lawful Loan Modifications or face Legal Consequences.

Company response to consumer: Closed with explanation