Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Holdings LLC
State: CA

Complaint narrative:
CFPB Complaint Summary Letter RE : Unauthorized and Fraudulent Servicing, Void Assignments, and Ongoing Collection Attempts by XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank XXXXXXXX and Related Entities Consumer : XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, CA XXXX Summary of Complaint I am filing this formal complaint against XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank XXXX, and all related entities and agents involved in the servicing and attempted collection of the alleged mortgage debt associated with my property. These parties have committed serious legal violations, including : Attempting to collect an alleged mortgage debt without legal standing. 

Relying on void, backdated, and fraudulent assignments.

Recording improper substitutions of trustee that are void from the beginning. 

Failing to provide a complete, unbroken, and valid chain of title. 

Initiating collection efforts based on documents tied to defunct entities not registered with the XXXX XXXX XXXX XXXX ( XXXX ). 

Key Violations and Supporting Facts 1. Collection Without Legal Standing XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank XXXX, and their agents are attempting to collect on the alleged mortgage debt without legal standing. 

Their collection efforts are based on a chain of title that is void from the beginning, starting with a fraudulent substitution of trustee recorded on XX/XX/XXXX. 

Subsequent assignments were made to defunct entities that are not listed in the XXXX registry, further invalidating the chain of title. 

2. Void Substitution of Trustee and Assignments The most recent substitution of trustee naming XXXX, XXXX XXXX XXXX is void because it is based on prior void and defective assignments. 

All assignments since the XX/XX/XXXX substitution of trustee are void and convey no lawful interest in the alleged mortgage debt. 

U.S. Bank XXXX  and its agents filed assignments to defunct, unlicensed entities that can not legally hold or transfer interests. 

XXXX. XXXX on Fraudulent Documents and Defunct Entities The entities receiving assignments are not registered in the XXXX, and several have been defunct for years. 

The filing of these documents constitutes a violation of California XXXX XXXX XXXX and California XXXX XXXX XXXX, which prohibit knowingly recording false documents. 

Attorneys and trustees who rely on these defective documents without performing appropriate due diligence risk regulatory discipline, disbarment, and personal liability.- XXXX. Failure to Validate the Alleged Mortgage Debt Despite multiple disputes and demands for validation, neither XXXX XXXX XXXX, U.S. Bank XXXX, nor XXXX, XXXX XXXX XXXX have produced a complete, unbroken, and legally sufficient chain of title for the alleged mortgage debt. 

XXXX XXXX XXXX previously admitted in CFPB complaint responses that there were minor issues in the chain of title. In fact, these issues render the chain of title legally void. 

5. Regulatory and Legal Violations The following statutes and regulations are being violated : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f California Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), Cal. Civ. Code 1788.17 California Civil Code 2924.17 ( Accuracy of Documents ) California Civil Code 2934a ( Substitution of Trustee Requirements ) California Penal Code 115 ( Recording False Instruments ) California Business and Professions Code 6106 ( Attorney Misconduct ) California Rules of Professional Conduct, Rule 3.3 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Affirms standing to challenge void assignments. 

Mail Fraud Statute, 18 U.S.C. 1341 Using mail to further fraudulent schemes. 

Requested XXXX I respectfully request that the CFPB : Order all collection efforts on the alleged mortgage debt to cease immediately. 

Investigate XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and U.S. Bank XXXX for violations of state and federal law. 

Forward this complaint to the California Department of Financial Protection and Innovation ( DFPI ) and the California Attorney Generals Office for further review and enforcement. 

Ensure that no adverse credit reporting or foreclosure activity occurs while this matter is under review. 

This communication shall not be construed as an acknowledgment of liability, indebtedness, or the existence of any enforceable debt. I expressly reserve all rights, claims, and defenses. Failure to comply with these demands may result in immediate regulatory escalation, civil litigation, and pursuit of all applicable remedies including compensatory, statutory, and punitive damages.

Company response to consumer: Closed with explanation