Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: MN

Complaint narrative:
Urgent Assistance Needed Regarding Foreclosure Situation Dear XXXX  Team, I hope this letter finds you well. I am reaching out to you with a sense of urgency regarding a matter that has left my family and I deeply troubled. 
My home, which I inherited after my father passed away ( I am executor and home is in my name ) is currently in foreclosure with a sale date of XX/XX/XXXX, and despite my best efforts, the mortgage company has been uncooperative in assisting me through this challenging situation. 

I have diligently tried to communicate with the mortgage company to explore potential solutions and alternatives to avoid foreclosure. I did have help from a Minnesota program that paid Selene Finance {$50000.00} towards the past due to help me get back on track that I am truly grateful for. However, they took that amount and did not apply to the past due amount and applied it to insurance and " other fees '' Their lack of responsiveness and unwillingness to work with me has only exacerbated the situation, leaving me feeling helpless and anxious about losing my home with nowhere for my XXXX children and I to go. I have exhausted every option available to me with every effort I can. This has caused extreme stress, XXXX and XXXX for my family and I. 

I have been in contact with Selene Finance during this whole process. I filled out and sent in all the information for a loan modification which was denied due to not having the loan number on a bank statement. That was sent in XX/XX/XXXX. They are now stating that I owe {$78000.00}. When I call Selene Finance, it does indeed confirm that there was a {$50000.00} payment applied to the account. The home was recently up for a sheriff sale in XX/XX/XXXX which was cancelled and the home came out of foreclosure. Now, fast forward XXXX, it is back in foreclosure again and a sheriff sale date of XX/XX/XXXX and they are stating there is nothing I am able to do at this time. I was told I could send in a new modification but more then likely be denied and I do not have sufficient time. 

When digging deeper, I have found this company is known for doing this to their customers and there are several complaints against them that are absolutely not right nor fair. 

I am writing to seek your assistance in navigating this distressing ordeal. As an organization dedicated to supporting individuals facing financial difficulties, I trust that XXXX has the expertise and resources to provide invaluable guidance and advocacy in such matters. 

I kindly request that you intervene on my behalf to engage with the mortgage company and advocate for a resolution that is fair and equitable. Whether it involves renegotiating the terms of the mortgage, exploring loan modification options, or seeking alternative solutions, I am open to any viable pathway that can help me retain ownership of my home and avoid foreclosure. 

Time is of the essence, and I implore you to expedite your efforts in assisting me through this challenging period. Your timely intervention could make a significant difference in securing a positive outcome for me and my family. I am available to provide any additional information or documentation that may be required to support your efforts on my behalf. 

Please do not hesitate to reach out to me at your earliest convenience to discuss this matter further. Thank you for your attention to this urgent matter. I am hopeful that with your assistance, we can navigate through this difficult situation and achieve a favorable resolution. 

Thank you so much for your valued time.

Company response to consumer: Closed with explanation