Consumer complaint received 2026-01-28 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: FL

Complaint narrative:
I paid a full reinstatement amount demanded by XXXX XXXX foreclosure counsel on XX/XX/XXXX in the amount of {$80000.00}. On XX/XX/XXXX, foreclosure counsel confirmed in writing that my loan was reinstated. The foreclosure case was dismissed by court filing on XX/XX/XXXX, and the lis pendens was XXXX. 
Selene Finance never sent me a formal reinstatement notice, written confirmation, or clear instructions on how to resume payments. I only learned that the case had been dismissed after I personally contacted foreclosure counsel in XXXX XXXX. XXXX did not contact me. 
Although I advised XXXX on XX/XX/XXXX that I could not responsibly remit payments without reinstatement documentation and clear payment instructions, I nonetheless made the XXXX payment, which XXXX applied retroactively to XXXX with added late fees, as they did with all the other payments submitted during XXXX. 
Despite reinstatement and dismissal, XXXX : Reported me late for XX/XX/XXXX to credit bureaus Failed to provide clear monthly statements or a confirmed payment amount Changed my quoted monthly payment multiple times without explanation ( approximately {$2200.00} $ XXXX $ XXXX $ XXXX ) Treated my loan as if it remained accelerated In XX/XX/XXXX, I made a {$5000.00} payment. XXXX applied only XXXX monthly installment and held more than {$2400.00} in unapplied funds, while still claiming I was delinquent. 
In XX/XX/XXXX, I tendered a {$3000.00} cashiers check toward the account. XXXX refused the payment, destroyed the original cashiers check, and returned a so-called legal copy that was missing required account numbers. My bank confirmed the copy was non-negotiable and impossible to redeposit. 
XXXX later claimed I owed approximately {$14000.00} to bring the loan current. That figure includes : An alleged {$3000.00} reinstatement shortage that was never disclosed at the time of reinstatement and was retroactively applied to XX/XX/XXXX Funds XXXX already received but refused to apply Fees and charges assessed after improper re-acceleration As of today, XXXX is holding or has rendered unusable more than {$5400.00} of my funds while asserting default. 

Selene Finance has : Refused or failed to properly apply payments Misrepresented the amount owed Improperly re-accelerated the loan after reinstatement and dismissal Threatened foreclosure without a lawful unpaid balance Reported delinquency without providing clear notice of payment obligations Blocked communication by claiming an attorney on file tied to a closed case This created a manufactured delinquency based largely on funds I already paid or attempted to pay. 

XXXX conduct caused : Credit damage Inability to refinance Prolonged financial stress It also caused significant health harm. Due to sustained stress from unresolved servicing errors and foreclosure threats, my blood glucose and XXXX levels increased. I was medically required to begin XXXX and XXXX simultaneously, which led to pancreatitis-like reactions on XXXX occasions, requiring discontinuation of treatment. I continue to undergo medical testing and monitoring.

Company response to consumer: Closed with explanation