Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Subject : Complaint Against Selene Finance Improper Handling oXXXX XXXX XXXX XXXX and FHA Partial Claim Misinterpretation- Additional complaint re : CFPB case # XXXX Re : XXXX account # XXXX To Whom It May Concern : I am submitting this formal complaint against Selene Finance LP for their mishandling of my mortgage account during and after my participation in a XXXX Trial Payment Plan, and for what appears to be a misapplication of FHA guidelines related to a Partial Claim. 

Background : My mortgage was previously serviced by XXXX XXXX, who approved me for a XXXX Trial Payment Plan. 
I made all required payments of {$2100.00} in XXXX and XX/XX/XXXX to XXXX and in XX/XX/XXXX to Selene Finance after the servicing transfer. 
I continued to make timely monthly payments in XXXX and XX/XX/XXXX and intend to pay XXXX on time as well. 

Despite this, Selene is : 1. Claiming I am three or more payments behind, which is incorrect. 
XXXX. Refusing to finalize the XXXX XXXX XXXX modification based on that status. 

Key Concern : I understand that while the original XXXX program allowed for both delinquent and non-delinquent borrowers experiencing financial hardship to qualify for a modification, Selene is now citing FHA Partial Claim rules that allegedly require me to be three months delinquent to finalize the paperwork. 

This is inconsistent with : My trial plan approval and successful completion. 
The FHAs own guidance, which allows for case-by-case evaluation. 
The fact that I have remained current and have documentation to prove it. 

Request for CFPB Assistance : I request that Selene Finance correct my account records, acknowledge I am current, and complete the XXXX final modification process. 
I also request a review of Selenes interpretation of FHA guidelines, as it appears to be a misapplication causing unnecessary delay and hardship. 
Finally, I ask that CFPB ensure no negative credit reporting or servicing action is taken based on this incorrect delinquency status Here are my payment confirmations : XXXX. Conf XXXX {$2100.00} - XXXX trial payment/ paid on XX/XX/XXXX by phone no fees - Dovenmuehle XXXX. Conf XXXX {$2100.00} - XXXX trial payment/ paid on XX/XX/XXXX by phone no fees - Dovenmuehle XXXX. Conf XXXX {$2100.00} - XXXX trial payment/ paid on XX/XX/XXXX by phone no fees - XXXX XXXX. Conf XXXX {$2100.00} - regular payment for XXXX/ paid on XX/XX/XXXX by phone - XXXX XXXX. Conf XXXX {$2100.00} - regular payment for XXXX/ paid on XX/XX/XXXX by phone - Selene ( XXXX XXXX ) XXXX. Spoke to XXXX and advised to call on Monday XX/XX/XXXX for XXXX - reported Accounts point of contact XXXX XXXX for not contacting me after several requests attempts. Resolution on XX/XX/XXXX XXXX spoke to XXXX XX/XX/XXXX and was advise to call on Monday XXXX theres no resolution as of this date yet. 

This trial payment was requested in XX/XX/XXXX from XXXX due to financial, XXXX and health issue after an accident and even agreed to have it changed from XXXX to XXXX to lower the monthly mortgage that I am able to afford which was {$2100.00}. 

I am prepared to provide bank records, payment confirmations, copies of all correspondence annd even medical records if needed upon request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation