Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: PA

Complaint narrative:
I would like to file a complaint against selene finance my mortgage lender. My mom had recently died last year and I was instantly served sheriff sale papers where they wanted {$93000.00} balloon payment upfront due at once. And recently filed for XXXX and had absolutely no way to pay that so I had to file for bankruptcy when I was working in the steel XXXX, but got injured and my case was released before the first payment came out. Luckily I was able to get approved for the XXXX  program Which paid {$40000.00} to my mortgage lender and then they only put {$4000.00} of that towards the principal balance and charged me outrageous amounts of late fees and interest for XXXX year based on that balloon payment almost {$15000.00} in late fee and another XXXX in interest. That seems to me like unfair, business practices, and predatory lending. I am also going to contact my state senator I have wrote them a letter and have had no resolution thus far. Im waiting on ss XXXX and currently dont have the money to finish probate until my application gets approved. They had tried to foreclose on my property again and they still want {$40000.00} for this house after receiving a {$40000.00} payment from the government and they probably wouldnt of got XXXX at sheriff sale because the house isnt worth that in its current condition. Everything needs replaced. Ive always lived here. I still live here. I plan on living here but I dont think its fair what theyre doing with this loan. It has mismanaged from the start. It was countrywide first which had a class action lawsuit then it was Bank XXXX XXXX and now its with this collection company. The stress of this is guaranteed what XXXX  my mother and now its causing me to have XXXX XXXX cause Im constantly worried about being homeless. There should be something in the XXXX XXXX act or regulation X that protects me in this situation. She was divorced with no will, XXXX XXXX XXXX XXXX XXXX, simply trying to take over the property and live here. Debt isnt even mine. Unfair & criminal. 

Ps .. Im trying my best to make payments but Im still waiting on a XXXX decision from that dept and have to go to exam I. XXXX before anything. I asked XXXX for forbearance at least until then so I dont risk losing my home for now and they refuse to even talk to me. Im currently working with catapult program for the estate but that will also take time. These people need investigated for charging my that much in fees for an accelerated loan that was not mine when Im just trying to live here and assume her debt. Theyre making me pay XXXX what the house is worth in current condition now since after that payment they still say I owe nearly XXXX total. Ive gotten notices about sale recently and was able to make small payment but now I have nothing and they will come after it again within a month. Please help this situation is killing me from stress alone. They should not be allowed to operate and there should be a limit to late fees esp when its not even your loan. Thanks

Company response to consumer: Closed with explanation