Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I am submitting this complaint due to significant and unresolved inconsistencies in the servicing and accounting of my mortgage loan by Selene XXXX XXXX, acting on behalf of XXXX XXXX XXXX XXXX as Owner Trustee for RCAF Acquisition Trust ( RCAF Trust ). In its recent responses, Selene identified substantial adjustments to my loan account, including approximately {$44000.00} in previously unaccounted-for suspense funds and an unexplained reduction of approximately {$26000.00} in the unpaid principal balance. These adjustments materially altered prior payoff statements and loan balances but were not clearly disclosed or supported by transaction-level documentation. Multiple payoff statements issued between XX/XX/XXXX and early XXXX vary by more than {$45000.00}. Selene attributes these discrepancies to reconciliation and reclassification of funds but has not provided a clear, documented accounting showing when or how these adjustments occurred, or whether prior statements were accurate when issued. In addition, Selene has confirmed that monthly mortgage statements were not generated for certain periods between XXXX and XXXX. Despite this, Selene claims that its transaction history is complete and accurate but has not explained how this can be independently verified in the absence of contemporaneous records or whether the transaction history reflects later post-hoc reconstruction or modification. There are also material inconsistencies between sworn Proofs of Claim filed in my bankruptcy case ( in XXXX and XXXX ), subsequent payoff statements, and IRS Forms 1098. Selene has attributed these differences to timing, escrow projections, and reconciliation across servicers but has not identified which figures are accurate or which records it contends are authoritative. Further, I tendered a lump-sum payment on XX/XX/XXXX, in an amount exceeding the unpaid principal balance reflected in Selenes own payoff statements at that time. Selene has not acknowledged, applied, or accounted for this payment in any servicing records or responses. Rather than providing clear answers, Selene has attempted to shift the burden onto me to provide proof of payments and supporting documentation, despite the fact that the issues arise from inconsistencies within its own servicing records. As a result, I am unable to determine the correct loan balance or obtain a reliable payoff amount. I am requesting that Selene and U.S. Bank provide a complete, accurate, and fully documented accounting of the loan, including transaction-level detail sufficient to fully reconcile all prior statements, filings, and reported amounts. Additional information provided by consumer : XXXX Consumer wants to update this case for : What company is this complaint about? Company Information XXXX XXXX XXXX XXXX XXXX Not in Its Individual Capacity But Solely As Owner Trustee For RCAF Acquisition Trust Other information about this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Change to : What company is this complaint about? Company Information XXXX XXXX XXXX XXXX XXXX Other information about this company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation