Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC
State: NV

Complaint narrative:
Subject : Reopen Complaint Against Selene Finance LP, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX Violations of Federal XXXX State Law This letter is a formal XXXX  urgent request XXXX reopen XXXX fully investigate a previously closed complaint involving ongoing mortgage servicing fraud, unlawful foreclosure conduct, disclosure violations, XXXX the filing of fraudulent bankruptcy claims by Selene Finance LP and its affiliated legal agents, including XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( NDSC ). 
Duplicate XXXXd Fraudulent Bankruptcy Filings and Disclosure Violations Both Selene Finance LP and XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed XXXX separate Proofs of Claim for the same loan, on the same property, in XXXX different active bankruptcy cases. These filings contain almost identical amounts, referencing the same loan number ending in XXXX, and identify XXXX Bank as trustee for the now-defunct XXXX XXXX XXXX XXXX 
Selene Finance LP via XXXX XXXX filed in XXXX XXXX. XXXX on XX/XX/XXXX, claiming {$620000.00} XXXX XXXX XXXX in XXXX XXXX. XXXX on XX/XX/XXXX, for {$610000.00}, as agent for the same purported creditor This constitutes violations of : XXXX XXXX XXXX XXXX ( XXXX ) and XXXX, which prohibit knowingly filing multiple false bankruptcy claims. 
a direct breach of Bankruptcy XXXX XXXX ( c ) ( XXXX ), which requires a creditor XXXX  disclose all documents supporting its claim, XXXX prohibits concealment or inconsistent claims. 
Bankruptcy XXXX XXXX, which mandates transparency in the representation of multiple parties with conflicting claims. 
a potential ethical violation under XXXX Model Rule XXXX ( c ), which bars attorneys from engaging in deceitful conduct. 
XXXX XXXX precedent, specifically In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX Cir. XXXX. XXXX ), which held that filing multiple or duplicative claims without proper disclosure or basis may be grounds for sanctions under XXXX XXXX. XXXX ( a ). 
Also see XXXX re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX. XXXX ), where the court sanctioned an attorney under XXXX ( a ) for failing XXXX disclose dual XXXX conflicting representations in bankruptcy proceedings. 
These dual filings by XXXX law firms purporting XXXX represent the same servicer, Selene Finance LP, without appropriate disclosure of overlapping authority, present a material misrepresentation XXXX the court XXXX  violate the duty of candor under federal and state law. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Violations During the relevant time period, XXXX XXXX XXXX XXXX XXXX XXXX was in default status with the Nevada XXXX of XXXX and not in good standing. Under XXXX XXXX ( XXXX ), any limited liability company or foreign entity in default status " shall not be entitled to transact any business in this State ''. 
Despite this prohibition, XXXX XXXX XXXX unlawfully : XXXX XXXX XXXX XXXX XXXX ( NDSC ) to mail the Notice XXXX XXXX 's Sale. 
Caused or permitted XXXX XXXX extend the sale date XXXX  XX/XX/XXXX. 
This is a violation of : XXXX XXXX, because XXXX XXXX XXXX had no legal capacity XXXX act as agent, beneficiary representative, or trustee. 
XXXX XXXX ( XXXX ) ( c ), which requires a valid beneficiary or its authorized agent to initiate foreclosure. 
Nevada case law, including XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. Op. XXXX, XXXX XXXX XXXX ( XXXX ), which held that entities lacking authority or legal standing may not enforce rights under a deed of trust. 
XXXX XXXX case law ( see XXXX re XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ) affirms that the court may sanction parties who abuse the bankruptcy process under XXXX XXXX. XXXX ( a ). 
XXXX XXXX XXXX, being legally incapacitated, could not lawfully instruct XXXX or any other entity XXXX carry out foreclosure activities, including notices, trustee substitutions, or extensions. This renders any such action void XXXX  unauthorized, amounting to mortgage servicing fraud and abuse of Nevada nonjudicial foreclosure statutes. 
Request for CFPB XXXX We request that the CFPB : XXXX. Reopen the closed complaint and fully investigate the coordinated actions of Selene Finance LP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. 
XXXX. Investigate whether filing XXXX different proofs of claim for the same loan violates federal criminal statutes ( XXXX XXXX. XXXX, XXXX ), Bankruptcy XXXX XXXX and XXXX, XXXX duties of disclosure. 
XXXX. XXXX XXXX XXXX XXXX illegal foreclosure actions while in default status, in violation of XXXX XXXX, XXXX  whether XXXX acted under void authority. 
XXXX. Coordinate with the Nevada Attorney XXXX XXXX, Nevada XXXX XXXX, and XXXX XXXX XXXX as warranted. 
XXXX. Issue any appropriate sanctions, compliance directives, or referrals based on the findings. 

XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed POC XXXX on behalf of XXXX Bank XXXX Not In its Individual Capacity but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a closed a defunct trust. 

XXXX and XXXX filed XXXX on behalf of XXXX XXXX XXXX Not In its Individual Capacity but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a closed a defunct trust. 

Selene Finance LPs misconduct XXXX that of its agents, indicates systemic abuse of the bankruptcy and foreclosure process, including fraud, misrepresentation, disclosure violations, XXXX unauthorized legal practice. We respectfully urge the CFPB XXXX  take swift action to prevent the unlawful foreclosure of this property XXXX protect other consumers similarly situated. 
If a servicer uses false amounts, it may violate federal laws like the False Claims Act ( FCA ) ( XXXX XXXX. XXXX ), the Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX. XXXX ), XXXX potentially the XXXX XXXX 's prohibition of unfair, deceptive, or abusive acts or practices ( XXXX ). The XXXX prohibits knowingly submitting false claims XXXX the government, while the FDCPA prohibits debt XXXX from using false or misleading representations in debt collection. As such, CFPB should reopen an investigation XXXX hold these fraudsters accountable! 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation