Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Selene Holdings LLC
State: PA

Complaint narrative:
I received a notice /notification of assignment, sale or transfer of This communication is sent solely for the purpose of disputing the alleged debt, investigating the validity of the claimed security interest, and enforcing my statutory rights. Nothing contained herein shall constitute an admission of liability, acknowledgment of the debt 's validity, waiver of any defense, or accord and satisfaction. I specifically reserve all rights, defenses, counterclaims, and objections regarding the enforceability, priority, and validity of the alleged mortgage debt, including but not limited to claims arising under RESPA, TILA, FDCPA, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and the XXXX Unfair Trade Practices and Consumer Protection Law ( UTPCPL ). XXXX. DISPUTE OF DEBT VALIDITY & STANDING TO FORECLOSE I hereby dispute the validity of the alleged debt in its entirety and demand strict proof of the following within 30 days of this request : XXXX. Original Promissory Note : The complete, unaltered original promissory note bearing my signature, including all riders, allonges, and amendments, with a complete chain of indorsement establishing the holder in due course status. XXXX. Mortgage Instrument : The recorded mortgage or deed of trust securing the alleged debt, with recorded assignments demonstrating a complete chain of title from the original lender to the current party claiming the right to enforce. XXXX. Assignment Documentation : All assignments of mortgage, particularly : Assignment from the original lender to any subsequent holder Assignment to XXXX XXXX XXXX XXXX ( identified in your XX/XX/XXXX correspondence as " owner '' ) Any assignment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Selene Finance LP Proof that the foreclosing party has the legal right to enforce the note and mortgage under XXXX Uniform Commercial Code XXXX et seq. XXXX. Complete Payment History : A complete, certified accounting of all payments, charges, fees, and escrows from loan origination to present, specifically including : Application of the XXXX XXXX XXXX XXXX XXXX XXXX ) grant, which was to be applied to XXXX taxes Application of the {$7200.00} Forward Mortgage Assistance payment Detailed explanation of any fees, late charges, attorney fees, or foreclosure costs Escrow analysis showing how the current alleged balance was calculated XXXX. Servicing Transfer Documentation : Under RESPA 6 ( 12 U.S.C. 2605 ), provide : The complete servicing transfer agreement between XXXX and Selene Finance LP Confirmation of whether XXXX XXXX XXXX, XXXX consented to this transfer during active litigation Location of all payment records and original loan documents post-transfer XXXX. Notice of Default & Right to Cure : Proof that proper Notice of Default was served pursuant to XXXX foreclosure requirements, and proof of the current exact amount necessary to cure the alleged default. XXXX. OBJECTION TO SERVICING TRANSFER DURING ACTIVE LITIGATION I object to the proposed transfer of servicing to Selene Finance LP effective XX/XX/XXXX, during the pendency of the above-referenced foreclosure action. Under RESPA 6 ( c ) ( 1 ) ( B ), the transfer of servicing during active foreclosure proceedings may constitute a violation of the requirement to maintain continuity of servicing and to respond to Qualified Written Requests. I demand that : Shellpoint maintain complete custody of all loan records and original documents until this dispute is resolved Selene Finance LP be put on notice that this loan is subject to active litigation and disputed debt validation No documents be transferred to Selene Finance LP until they provide proof of standing to service a loan in active foreclosure IV. TENDER OF PAYMENT & RESERVATION OF RIGHTS This letter does not constitute a tender of payment. I specifically reserve the right to contest the amount demanded, the validity of the foreclosure, and the standing of any party to accept payment. Any payment made hereafter shall be made under protest and with full reservation of all rights, and shall not constitute a waiver of any claims, counterclaims, or defenses, including claims for wrongful foreclosure, RESPA violations, TILA violations, or servicer misconduct regarding the misapplication of the XXXX grant and Forward Mortgage Assistance. V. CESSATION OF COLLECTION ACTIVITIES Until such time as you provide the validation requested above, you are hereby directed to cease all collection activities, including but not limited to : Proceeding with the foreclosure action in XXXX XXXX Case No. XXXX Reporting negative credit information to consumer reporting agencies Charging additional fees, interest, or costs Transferring the servicing of this loan to Selene Finance LP or any other third party Failure to validate the debt while continuing collection activities may subject your entities to liability under the FDCPA, RESPA, and XXXX consumer protection laws. VI. CONCLUSION Please govern yourselves accordingly. This matter requires immediate attention given the imminent servicing transfer date. I expect a written acknowledgment of this request within XXXX business days and a complete response within 30 days as required by RESPA 6 ( e ) ( 1 ) ( A ). I am concurrently filing a Notice of Dispute with the XXXX XXXX XXXX XXXX XXXX XXXX and will seek injunctive relief to prevent the servicing transfer pending resolution of the debt validation and standing issues. Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation