Consumer complaint received 2024-04-08 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: IL

Complaint narrative:
Third-Party Debt Collector Attorney XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. named a false Plaintiff to intentionally sidestep basic disclosures as to the ultimate facts upon which relief could be granted. The musical chair like substitution of plaintiffs in XXXX XXXX XXXX as follows : 1ST Plaintiff Was : XXXX XXXX, XXXX, 2nd Plaintiff Was : XXXXXXXX XXXX XXXX, 3rd Plaintiff Was : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and 4th Plaintiff is : U.S. BANK NATIONAL ASSOCIATION , NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION was first used by Attorney XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, then used by substitute, Attorney XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX. and now being used by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, another substitute attorney, have all been improper substitutions granted by XXXX XXXX XXXX XXXX XXXX XXXX were previously challenged and are now challenged, again. 
Third-Party Debt Collector Attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. named a false Plaintiff to intentionally sidestep basic disclosures as to the ultimate facts upon which relief could be granted. The musical chair like substitution of plaintiffs listed above was first used by Attorney XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and now being used by another substitute, Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. have all been improper substitutions granted by the administrator judge and are now challenged. 
The Assignment of Mortgage Lien unlawfully recorded on XX/XX/XXXX, on XXXX XXXX XXXX XXXX filed after the free and clear XXXX of XXXX Quit Claim Deed transfer from XXXX XXXX to XXXX XXXX, shows Non-existent Nominee XXXX, XXXX, extinct in XXXX fraudulent assignment to defunct XXXX XXXX XXXX using manufactured documents created by XXXXXXXX XXXX XXXX XXXX XXXX Therefore, Substitute Plaintiff U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION needs to present documentation to the court proving its interest supporting the claim to foreclose. 
1. Substitute Plaintiff U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION and Third-Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX must provide documentation evidencing their right to foreclose by proving U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION is the holder in due course who paid valuable consideration for the underlying obligation. 
2. Substitute Plaintiff U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION must provide documentation explaining how a servicer that used manufactured documents created by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida has the right to foreclose that assignment affiant XXXX XXXX is/was employed by as Vice President.. 
3. Substitute Plaintiff U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION must provide documentation showing how XXXX XXXX XXXX XXXXXXXX that was bought by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, made XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ten ( 10 ) years after it closed 4. Substitute Plaintiff U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION Produce the original promissory note signed with the wet-ink signature of XXXX XXXX, signed on XX/XX/XXXX, that was initially requested by a letter dated XX/XX/XXXX and sent by certified mail on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX COULD NOT HAVE MADE XXXX XXXX, XXXX nominee XX/XX/XXXX, because it was bought ten ( 10 ) years earlier by XXXX XXXX XXXXXXXX on XX/XX/XXXX. It was no longer in existence and when pretend lender XXXX XXXX XXXX XXXX went out of business, this debt should have died with it, because it was unsecured debt. Really, it actually should have died with the original pretend lender, defunct XXXX XXXX XXXX, also out of business. Soon after the " XXXX XXXXXXXX '' XXXX XXXX sued XXXX XXXX XXXXXXXX because it said that XXXX had misrepresented virtually everything about the alleged mortgage lending business in which it was operated as a sham conduit and called an " aggregator. '' Substituted Plaintiff U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION who seeks to force Defendant from his property without being owed any money has engaged in the wrongful foreclosure practice and should anticipate a lawsuit. like many of the attorneys who did that have entered into settlements totaling hundreds of billions of dollars in all U.S. jurisdictions. 
It is not up to defendant homeowners to prove they don't owe the money. It is up to the party who is issuing a claim to prove that the homeowner DOES owe the money and that the homeowner owes money to the claimant -- - not some general " they '' in cyberspace or a dummy corporation like U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION that should be made to prove that it has a legitimate claim to my property within the chain of title and paid consideration to become the owner-in-due-course. 
A Form 1099-A, Acquisition or Abandonment of Secured Property has been filed with the Internal Revenue Service XXXX for XXXX XXXX date of acquisition XX/XX/XXXX, in XXXX, XXXX XXXX DBA SHELLPOINT MORTGAGE SERVICINGs date of acquisition XX/XX/XXXX, in XXXX, U.S. BANK NATIONAL ASSOCIATION , NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 ACQUISITION TRUST c/o U.S. BANK NATIONAL ASSOCIATION 's date was XX/XX/XXXX, in XXXX, and each borrowers legal representative in connection with this case in full satisfaction of the bonds, to stake his acquired interest in his home that is being held as security for the debt. So the claim that there is no equity in the property is false because the property never secure the unsecured loan to XXXX XXXX. Where are the legitimate documents showing an authentic claim? This is a perfect example of piracy by pretend lenders!

Company response to consumer: Closed with explanation