Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP
State: TX

Complaint narrative:
Closed on my home XXXX/XXXX/XXXX. Loan sold or trans. before 1st pay. XXXX XXXX, XXXX, I paid with auto debit. after 7 mo sold or transfer to XXXX XXXX. From day one XXXX reported I was behind 7 mo as they said I was with them the whole time but I was n't. I was chg. XXXX late fees while only here for 42 mo. bogus fees chg, dr. by fees, all while on auto draft. I called XXXX XXXX when I rec. each mo I was behind they said they would clear it up and were sorry even sent me letters stating I was not behind and that they cleared it up, next mo comes around same thing. I then call again this went on and on till finally it ever showed I was behind. Then XXXX XXXX, XXXX I rec. letter my home in forc/by Selene Fin. I was not aware that the loan was sold or trans. to Selene fin. Which XXXX XXXX XXXX is VP of Selene was P. of XXXX XXXX. Not even my house plan, the closing was a wack job but I was sick, only the closer and I there, I knew something wrong and in the mid of closing a fax comes in and its a new HUD 1 but I never saw papers with figures on them I asked why he said everything has changed. Now it states that an attorney, XXXX other people were at the closing and witness, swore to my signature, and this is untrue, also things I paid out of pocket were added to the HUD 1 so I paid double. Then the Forc. I thought was a joke but was not. XXXX XXXX would not talk with me, Selene could n't give me info because they said they had no details of the loan that was a lie, I worked for XXXX mo day night with only couple hrs sleep, sent every mo. ck that cleared my bank on auto debit, oh and XXXX would take the money on the XXXX of the mo post on the XXXX chg. a late fee. yet they took the money. Then I am exhausted XXXX as I said I was n't feeling well at closing on XXXX/XXXX/XXXX I became very ill in bed 8 mo. Finally found out I have XXXX. so with all this stress up on me and not expecting such a challange it only did more harm to my health, then I had to pay attorney XXXX to which he did nothing, after 4 wks he ask for another XXXX and I said you have n't give me anything to show you have done for the XXXX to began with. Well he dropped me as client he knew I was right. Now XXXX would not except my payment even though I sent them because I had to sign saying I owed over XXXX more than I did and this is wrong. I am paying ex XXXX that I do n't owe. do you know how hard this is for a XXXX, widow, that is on set income and at closing the night before the mort. co. calls me says I need another XXXX to close it was called a Borrow Cert. to pay 2 mo up front PITI and then it says now it 's to buy points when my cr was almost XXXX but I never got that money back, to I was told no survey needed as one was just done it was a new home, I paid for the appras. then chg. again. but I just find all this out because I forgot that the title co. did n't deliver me the papers as they said they would deliver never did. So much to this. After Selene makes me sign or give up my home they sold or trans to another co. The lady they sent out to do pics. I asked her why she said because this way they are going for a clear title you told them the survey, plans etc. is not your home. so I get screwed while the XXXX XXXX XXXX XXXX XXXX XXXX get richer. I am sick over this and the inst. rate if I bought it down it was on the Hud XXXX at 9 % but closed at almost 13 % I am now at almost a 8 %. This is wrong, also the morg. made me pay almost a XXXX to pap a co. to get my cr. in good shape to which they did nothing. Yes I was sick and I should have just not pur this home I have so many people that saw my post on the XXXX site and have contacted me and are begging I start a suit. So many were done the same way I was with same co. started with XXXX. all our title 's wondering around in the ocean. Sad that these can sleep. I contacted every gov. off. I could.

Company response to consumer: Closed with explanation