Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: KY

Complaint narrative:
XXXX XXXX Attention : XXXX XXXX XXXX Attorney General XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attention XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Urgent Joint Complaint Fraud, Forgery, and Mortgage Servicing Violations by Selene Finance LP Dear Attorney General XXXX XXXX, and Director of the Consumer Financial Protection Bureau , I respectfully request that your offices open a joint investigation into serious mortgage servicing misconduct, document fraud, and contract violations by Selene Finance, in connection with my home alleged mortgage loan # XXXX. The conduct outlined below appears to violate federal consumer protection laws, state contract and foreclosure laws, and potentially criminal statutes governing fraud and forgery. 
XXXX. Fraudulent Documentation and Forged Signatures Selene Finance has submitted mortgage-related documents containing falsified information and forged signatures of alleged assigners Specifically, the alleged signature of XXXX XXXX XXXX XXXX XXXX her status of a Vice President of XXXX Mortgage and allegedly assigning our mortgage to XXXXXXXX XXXX XXXXXXXX XXXX XXXX of XXXX .. Be advised, XXXX XXXX never worked for XXXX, in any capacity, and certainly had no authority to transfer any assignment of our mortgage. Additionally, on XX/XX/XXXX, in a motion hour hearing before the XXXX XXXX XXXX court, I was presented without any opportunity to view the documents beforehand .. with affidavits that were not present when the complaint was filed in XXXX of XXXX. These documents included handwritten ( alonges ) alleging transfers, and attributed to individuals ( XXXX XXXX ) who, to the best of my knowledge, do not exist, and who had no authority to transfer any documents regarding our loan. This appears to be intentional document fraud, fraud upon Kentucky XXXX XXXX, and may constitute criminal misconduct under state and federal law. These documents can be viewed on XXXX, and are identified as an alonges to the note related to CIVIL ACTION NO. XXXX XXXX XXXX  XXXX. XXXX. XXXX XXXXXXXX XXXX 

XXXX. Violation of Mortgage Contract Paragraph 22 Selene Finance failed to comply with Paragraph 22 of my mortgage contract, which requires specific notices before acceleration or foreclosure.Selene Finance did not send a valid Notice of Default as required by my mortgage agreement in Paragraph 22, and applicable state law, yet have taken action consistent with acceleration without providing the contractually required notices. Accordingly, Selene Finance has brought action in XXXX XXXX XXXX under the name of XXXX XXXX  XXXX. 

XXXX. Improper Application of Payments Payments I made on XX/XX/XXXX and after in full, and in a timely manner .. were not properly credited, yet my account was reported as delinquent, and referred to an attorney for foreclosure in XXXX of XXXX. I have documentation showing the payments were sent and processed, and proof of forbearance during the time alleged to be in default. 
XXXX. Unauthorized Fees and Charges Selene Finance, a third party collection agent not present in the court case, has added approximately {$80000.00} in alleged legal fees that they had no contractual or legal right to charge. In addition, other fees were assessed without explanation or proper documentation. Despite repeated written disputes and numerous requests for clarification, Selene Finance has failed to provide accurate records or remove the unauthorized charges. 
XXXX. Misrepresentation and XXXX XXXX XXXX representatives provided conflicting and misleading information about loss mitigation options, including loan modification and repayment plans, causing confusion and placing my home at risk of foreclosure. 
XXXX. Inaccurate Credit Reporting Due directly to Selene Finances servicing errors, mishandling of payments and account records, inaccurate late payments and unauthorized fees have been reported to credit bureaus, damaging my credit score, my wife 's credit reputation, and our joint financial standing. 
Relevant Legal Violations The conduct described above appears to violate, but is not limited to : Real Estate Settlement Procedures Act ( RESPA ) Servicing and accounting requirements ; error resolution procedures. 


Truth in Lending Act ( TILA ) Servicing disclosures and assignment requirements.

Mortgage Contract Terms Failure to comply with Paragraph 22 and related notice requirements.

State Foreclosure Law Failure to provide required notices under XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX statutes ( XXXX ) which mandates that lenders comply with all applicable state and federal laws in lending and servicing activities.. 


State and Federal Fraud & Forgery Laws Falsification of documents, forged signatures, and fraudulent affidavits.

Unlawful Fee Assessment Charging fees without contractual or legal authority violates both federal and state consumer protection statutes. 


Requested Actions I respectfully request that your offices : Open a joint investigation into Selene Finances mortgage servicing and documentation practices. 


Examine all allegedly falsified documents and forged signatures. 


Require correction of my mortgage account records. 


Reverse unauthorized fees, including the {$80000.00} in alleged legal fees. 


Order accurate credit reporting, and issue a protection order therein. 


Enforce compliance with the mortgage contract, including Paragraph 22. 


Pursue enforcement actions or criminal referrals as appropriate. 



Be advised, a am prepared to provide the following in support of this complaint. Those items are as follows.. 

Payment records and confirmations Correspondence with Selene Finance Account statements All disputed documents, including those suspected to be forged or falsified Notes from telephone calls I am prepared to provide additional supporting evidence upon request and fully cooperate with both investigations. 
Thank you for your prompt attention to this serious matter. I respectfully request written confirmation that this complaint has been received and will be investigated. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ky XXXX

Company response to consumer: Closed with explanation