Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Consumer : VIA XXXX MAIL Consumer Financial Protection Bureau ( CFPB ) Cert. Mail No. : Attn : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Virginia Attorney General Consumer Protection Section Cert. Mail No. : XXXX XXXX XXXX XXXX XXXX, Va XXXX Re : Urgent Complaint Regarding Improper Mortgage Servicing, False Credit Reporting, and Foreclosure Threats Lender # 1 : Selene Finance LP # XXXX Lender # 2 : XXXX Account # XXXX Lender # 3 : XXXX Account # XXXX Dear Sir or Madam, I am submitting this formal complaint against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and Selene Finance regarding their handling of my mortgage refinance and subsequent loan servicing transfers. This matter involves improper loan servicing, inaccurate credit reporting, and foreclosure threats despite the refinance being completed and recorded on XX/XX/XXXX. 

The attached packet contains the following : 1. CFPB Complaint Form with detailed chronology and legal concerns.

2. Supporting documents including refinance notes, recorded deed, correspondence, credit reports, and forbearance communications.

I request that both agencies require these companies to : Immediately stop all foreclosure threats. 
Honor the XX/XX/XXXX, refinance terms ( {$140000.00} principal, {$750.00} monthly payment ). 
Remove improperly included land from the deed. 
Correct all accounting and credit reporting errors to my accounts. 



TABLE OF CONTENTS Section Description Page 1 Cover Letter 1 2 CFPB Complaint Form 2 3 Supporting Documents Following Section 2 CFPB Complaint Form I refinanced my mortgage with XXXX XXXX  on XX/XX/XXXX, at XXXX XXXX through loan officer XXXX XXXX XXXX and XXXX attorney. The principal balance at closing was {$140000.00} and my new monthly payment was {$750.00}. The refinance was recorded with the XXXX XXXX XXXX XXXX XXXX XXXX the same day. 

Allegations of Misconduct : Federal : RESPA Failure to provide required servicing transfer notices ; failure to transfer accurate loan information.

TILA Unauthorized changes to interest rate and payment terms.

FDCPA Threatening foreclosure without proper legal standing.

FCRA Furnishing false credit information ; failure to correct errors after notice. 

State : Potential violations of Virginia Consumer Protection Act related to deceptive and abusive mortgage servicing practice Following the refinance, several problems occurred which I have laid out in bullet point below for the convenience of streamlining this issue : 1. Incorrect Deed Recording XXXX included additional tracts of land in the recorded deed that should never have been part of my mortgage. 
2. Unauthorized Rate/Payment Change Despite the recorded terms, XXXX attempted to raise my monthly payment to over {$940.00} without contractual basis.

3. Loan Transfer to XXXX Without Correct Information On XX/XX/XXXX, XXXX XXXX became my loan servicer but was not provided with accurate closing information ( principal balance, interest rate, or payment amount ). 
4. False Credit Reporting Credit bureaus now report my loan as two years behind, which is false.

5. Payment Harm I have continually made a {$940.00} payment to XXXX in good faith, but this worsened the situation and credit. 
6. Forbearance Misrepresentation I was informed I would be placed on a payment forbearance due to XXXX XXXX, but this never happened. 
7. Second Loan Sale Without Notice XXXX subsequently sold my loan without proper notice, leaving me without a stable point of contact, notwithstanding I had sent this complaint in its entirety to XXXX and was negotiating with them. 
8. Ombudsman Process Violated- They violated good faith and the Ombudsman Process.

9. Foreclosure Initiated - The third loan administrator, now Selene Finance, has initiated foreclosure without cause and is not honoring the forbearance plan that XXXX initiated in XX/XX/XXXX. They are threatening to immediately foreclose in XXXX. 
10. Withholding documents from myself and my wife of the signing of the refinance and loan modification on XX/XX/XXXX. 


Both XXXX and XXXX have refused to correct these errors. XXXX refused to work with my attorney and ignored all communication. XXXX received all my documentation but has not corrected my account. I am now receiving illegal foreclosure threats from Selene Finance who just assumed the mortgage, despite all these unresolved errors.

Company response to consumer: Closed with explanation