Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX To : Consumer Financial Protection Bureau Complaints Division Re : Complaint Against Selene XXXX XXXX ( Servicer ) and XXXX XXXX XXXX XXXX XXXXXXXX ( Trustee/Plaintiff ) Subject : Wrongful Foreclosure, Servicing Misconduct, Misrepresentation of Standing Case No. XXXX ( XXXX XXXX, IL ) The conduct in my case mirrors the exact abuses prosecuted in the XXXX National Mortgage Settlement by the U.S. Department of Justice, HUD, CFPB, and 49 State Attorneys General ( led by Iowa AG XXXX XXXX ) : These are the same practices DOJ and State AGs already deemed unlawful in XXXX. Their recurrence here shows post-settlement noncompliance and a systemic pattern of misconduct requiring CFPB investigation and referral to FHFA, DOJ, and the Illinois Attorney General. 

What makes this even more reprehensible is the fact that as the fiduciary responsibility for my Estate I ensured The foreclosure itself is fraudulent because the alleged debt has already been discharged and settled. With Verified and accepted IRS Form 1099-C and related affidavits showing cancellation of the obligation, and no lawful creditor has rebutted those filings. Despite this discharge, Selene Finance and XXXX XXXX continue to pursue foreclosure and report a balance to credit bureaus. Attempting to collect or enforce a debt that has been legally discharged constitutes fraudulent servicing, false credit reporting, and a violation of RESPA, TILA, and the Fair Debt Collection Practices Act ( FDCPA Summary of Complaint On XX/XX/XXXX, the XXXX Judicial Circuit Court XXXX XXXX XXXX, Illinois entered a Judgment of Foreclosure and Sale against me in Case No. XXXX. The foreclosure was pursued by Selene XXXX XXXX  ( servicer ) on behalf of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  as trustee for a securitized trust. 

I allege that this foreclosure was fraudulent, unlawful, and part of a systemic pattern of abusive servicing practices, including : 1. Initiating foreclosure without lawful standing or verified chain of title. 
2. Failure to produce the wet-ink promissory note or valid assignments. 
3. Servicing misrepresentations, including inaccurate payoff figures, escrow misapplications, and failure to honor dispute requests. 
4. Use of affidavits and pleadings unsupported by original evidence, resembling robo-signing practices. 
5. Adverse and inaccurate credit reporting connected to the foreclosure despite unresolved disputes. 



Supporting Timeline ( abbreviated ) XX/XX/XXXX I filed a Verified Motion to Dismiss, Counterclaim, and Injunctive Relief, citing lack of standing, securitization fraud, and demand for note production. 
XX/XX/XXXX I filed a Corrected Special Appearance and Supplemental Objection, preserving trust jurisdiction and fiduciary standing. 
XX/XX/XXXX I filed a Judicial Liability and Bond/Oath Disclosure Demand ; unrebutted. 
XX/XX/XXXX Court entered Judgment of Foreclosure and Sale for {$470000.00}, along with an Order of Default and Dismissal of Unknown Owners. Plaintiffs judgment proceeded despite unrebutted filings and absence of wet-ink note verification. 
XX/XX/XXXX I filed an Affidavit of Dishonor, Final Default, and Enforcement by Estoppel, documenting plaintiff and servicer dishonor. 
Subsequent filings Multiple affidavits and motions filed, unrebutted, evidencing fraudulent securitization ( XXXX XXXXXXXX, XXXX XXXX ), trust violations, and RESPA/TILA failures. 

( See Exhibits AF for full filings, judgment orders, servicing records, title documents, and securitization evidence. ) Violations & Issues 1. Failure to Verify Standing & Chain of Title XXXX XXXX and Selene initiated foreclosure without producing the original note or valid assignment into the trust. Endorsements show conflicting parties ( e.g., XXXX XXXX ) not aligned with XXXX XXXX trust deadlines. 
This constitutes a standing defect and a potential violation of securitization rules and trust PSAs. 
2. Servicing Misconduct ( RESPA / Reg X Violations ) Selene provided payoff figures inconsistent with my actual account history and escrow records. 
Requests for validation and corrected servicing records were ignored, in violation of 12 C.F.R. 1024.35. 
3. False Affidavits & Robo-Signing Echoes The affidavits submitted in support of foreclosure lack personal knowledge and appear generated from form language, resembling practices outlawed in the XXXXXXXX National Mortgage Settlement prosecuted by DOJ, Office of the Attorney General, including CFPB, Treasury Department , HUD and all 49 States Attorney Generals which awarded a consent judgement of {$25.00} XXXX to The United States of America and the 49 States of America against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
4. Relation to the National Mortgage Settlement ( XXXX ) The abusive practices here mirror those identified in the XXXX NMS, where banks and servicers were sanctioned for : Foreclosing without verifying note ownership or standing. 
Submitting robo-signed or false affidavits. 
Failing to maintain accurate servicing records. 
Engaging in dual-tracking. 
Selene and XXXX XXXX conduct demonstrates post-settlement non-compliance with these industry standards and suggests a pattern or practice of systemic foreclosure abuse. 
5. Inaccurate Credit Reporting ( FCRA Violations ) The foreclosure has been reported to consumer reporting agencies despite active disputes, in violation of 15 U.S.C. 1681e ( b ) and 1681i ( duty of accuracy and reinvestigation ). 



Harm to Consumer Wrongful foreclosure judgment threatening loss of property at XXXX XXXX XXXXXXXX XXXXXXXX, IL. 
Financial damages including legal fees, costs, and loss of equity. 
Severe credit damage and denial of credit opportunities. 
Emotional distress from fraudulent litigation and abusive servicing practices. 



Requested Relief I respectfully request the CFPB : 1. Investigate Selene Finance and XXXX XXXX for systemic foreclosure misconduct, including standing failures and PSA violations. 
2. Require immediate preservation of records including payment histories, endorsement chains, assignment records, Fedwire/CUSIP data, and internal servicing notes. 
3. Order removal of inaccurate foreclosure-related credit reporting from all consumer credit files. 
4. Refer findings to FHFA, DOJ, and state Attorneys General for pattern-or-practice review under the XXXX National Mortgage Settlement framework. 
5. Recommend restitution for damages suffered, including costs, fees, and remediation of property interest. 

Certification I certify under penalty of perjury that the information provided is true and correct to the best of my knowledge and belief. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation