Consumer complaint received 2024-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Selene Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally address and document my ongoing issues with Selene Finance regarding the mismanagement of my mortgage loan. Over the course of my interactions with Selene Finance, I have encountered numerous discrepancies and conflicting information that have caused confusion, financial harm, and undue stress for me and my family. 

Key Issues Allegations of Missed Payments and Foreclosure Threats Selene Finance has stated that I was 15 months late on payments, which they claim warrants foreclosure. 
I was informed verbally that this information originated from XXXX XXXX XXXXXXXX. 
When I contacted XXXX  XXXX XXXX, I was told verbally that I had never missed a payment. This conflicting information has left me confused and uncertain about the validity of Selene Finance 's claims. 
Unexplained Payment Allowance and Loss Mitigation Selene Finance is currently allowing me to make payments of {$1.00} per month, but when I asked for clarification, I did not receive a response.

I was also told verbally that I was under Loss Mitigation with Selene Finance, yet I have no recollection of signing any agreement for this service. 
Furthermore, I was informed that this alleged agreement was signed in XXXX. This is impossible, as I was stationed overseas in XXXX during that time, actively engaged in military operations in the XXXX XXXX XXXX. 
Forbearance and Deferment Issues My mortgage was originally serviced by XXXX  XXXX XXXX, with whom I am still disputing their decision to place my loan into forbearance/deferment during the XXXX pandemic. This was done under coercion, with the threat of foreclosure if I did not comply. 
The only document I recall signing with a clear understanding was with XXXX  XXXX XXXX for a refinance/loan modification. 
Despite my requests to remove the deferment and establish a regular payment plan, Selene Finance continues to impose terms I did not agree to or understand. 
Account Alterations Without Consent Selene Finance has made unexplained alterations to my account, including changes to my loan that they have yet to justify clearly. 
Recently, I was informed that my account was altered due to hurricanes in Florida, yet my disputes predate these events, going back to XX/XX/XXXX. 
In XX/XX/XXXX, I paid {$50000.00} to bring my account to a {$0.00} balance, except for the deferred balance of {$70000.00}. I was instructed to send this deferred balance via money order to a Texas address, but I have not received confirmation that it was received. 
Communication Barriers Selene Finance has acknowledged that they will not send me email correspondence, yet as a military service member, relying solely on postal mail is impractical and inefficient. 
Despite numerous attempts to communicate and clarify my account status, Selene Finance continues to provide vague or contradictory explanations, further complicating the situation. 
Unauthorized Forgery and Document Alteration Selene Finance has altered my monthly statements and provided documents that include forged signatures purporting to be mine. I have not signed any such agreements knowingly or willingly. 
Foreclosure Threats Without Resolution Options I have been given direct orders from Selene Finance that my home will be subject to foreclosure due to nonpayment. However, I have consistently requested that they remove the deferment on my account so that I can make payments. 
Requested Resolutions Clarification of Account Status : Provide a detailed, written explanation of the 15 months of alleged missed payments, including documentation supporting XXXX Finances claims. 
Acknowledgment of Payment : Confirm receipt and application of the {$70000.00} money order sent in XX/XX/XXXX to address the deferred balance. 
Removal of Deferment/Forbearance : Remove any imposed deferment or forbearance to allow for a regular payment structure, as I have requested repeatedly. 
Correction of Account Alterations : Restore my mortgage account to its original terms prior to the unexplained alterations made by Selene Finance. 
Cessation of Foreclosure Actions : Halt all foreclosure-related proceedings until the issues outlined above are resolved in full. 
Transparent Communication : Resume email correspondence and provide clear, written responses to all inquiries to ensure transparency moving forward. 
Investigation of Forged Documents : Investigate and address the unauthorized use of my signature on documents I did not sign or agree to. 
Closing XXXX XXXX Finances actions, including the refusal to provide clear explanations, alteration of my account without consent, and reliance on vague or contradictory policies, have placed my home and financial stability in jeopardy. The lack of transparency and accountability is unacceptable. 

I respectfully request an immediate review of this matter and prompt action to address the issues outlined. I am committed to resolving this dispute but need Selene Finance to act in good faith and with integrity.

Company response to consumer: Closed with explanation