Selene Finance LP
Consumer Complaints
There are over 1675 complaints on file for Selene Finance LP. Dated between 2019-12-10 and 2012-05-23.
Complaints Page 22
2017-12-05
Evansville, IN
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My mortgage is currently serviced by Selene Finance. The prior servicing was handled by XXXX XXXX. This mortgage debt was discharged in a Chapter XXXX Bankruptcy on XXXX XXXX Case # XXXX. Since the discharge date, Selene has promised to re-stablish a new mortgage note, but has never followed through. Selene has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. Selene Finance has also violated the Federal Bankruptcy code by proposing repayment on the discharged debt.
[ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX NC, XXXX Division.
Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction.
[ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. # XXXX ( XXXX. XXXX NY XXXX ).
[ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX ).
The mortgage note produced by Selene to prove up the validity of the debt and right to foreclose is fraudulent as well ( exhibit A ). The note is signed by XXXX XXXX at the address XXXX XXXX XXXX, XXXX, IL XXXX. The mortgage note was funded by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX was shut down by the FBI on XXXX, its majority owner was convicted on 14 counts of securities, bank and wire fraud. Overall, Selene has not proven up standing of ownership and the rights to foreclose. They have pursued foreclosure action and have implemented a foreclosure sale date of XXXX in the past.
The accounting records that have been provided by Selene are incomplete as well, since the entire payment history is missing from XXXX to XXXX ( exhibit B ). Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined.
Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5.
Selene is in clear violation of Federal Bankruptcy Code, RESPA law and IN Code 32-30-10.5. I am seeking a full refund of all funds paid post Chapter XXXX BK. Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter.
Company Response: Closed with explanation
2017-12-03
Orange Park, FL
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-12-02
Meiners Oaks, CA
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2017-12-01
Achille, OK
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-12-01
Navasota, TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-30
N Haven, CT
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I was denied a loan modification the end of XXXX due to my debt being too high. I send emails onXX/XX/XXXXwith legal documents proving the inaccuracies that Selene had calculated. During our meeting with both AttorneysXX/XX/XXXX Selene agreed to do a new calculation and push out the sale date. I sent updated pay stubs showing I make more money now and the debt they have is in accurate. As of today they have ignored me. Also no where on the document stated a deadline.
Company Response: Closed with explanation
2017-11-30
Katonah, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-29
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-29
Mesa, AZ
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-28
Etna, OH
Trouble during payment process
Mortgage: VA mortgage
Company Response: Closed with explanation
2017-11-22
Frederick, MD
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-21
Simi Valley, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: There have been very many complaints, too numerous to list, but below is the most recent : I filed a Chapter XXXX bankruptcy, which included the mortgage company and it discharged on XX/XX/XXXX ( I have the subject property as my primary residence since XXXX ). My Chapter XXXX attorney was not aware the XXXX XXXX XXXX Bankruptcy Court oversees a " Loan Modification Pilot Program. '' I then filed a Chapter XXXX ( Pro Se ) on XX/XX/XXXX, in the XXXX XXXX Bankruptcy Court. My Chapter XXXX case transferred to XXXX XXXX XXXX Bankruptcy Court where the Pilot Program was ( and still is ) lodged. XXXX XXXX XXXX, XXXX ( XXXX ), is this Pilot Program 's manager. I enrolled and paid to part-take in the pilot program. XXXX has been great! I submitted my second loan modification to " Selene Finance, LP '' ( servicer for beneficiary : " XXXX XXXX, XXXX, Title Trustee for XXXX '' ) on XX/XX/XXXX ( the first one I submitted was in XX/XX/XXXX- Selene never acknowledged it ). XXXX XXXX said my XXXX XXXX package did not qualify because it was incomplete ( that 's not a reason to turn down a homeowner in CA ) in which XXXX can verify my loan package was complete. Then, again, for the 2nd time, I submitted a loan package through the XXXX Portal after the " Judge ordered '' the loan process to commence ; this time it was approved. A few days later then Selene said they made a mistake and it was turned down.
Bottomline, I will be filing a Motion for various sanctions.
Company Response: Closed with explanation
2017-11-21
Addisleigh Park, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-14
Cedar Grove, LA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-14
Gerry, NY
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-11-14
Jacksonville, NC
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-11-10
NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: The finance company - Selene Finance in XXXX, Texas offered and verbally confirmed that I was approved for Cash for Keys as part of the final foreclosure process.
There was an error on the date of sale of the house in Selene Finance records and I had to contact the attorney that filed the notice of sale.
The Notice of Sale filed by the attorney was for XXXX/XXXX/XXXX Selene Finance had a date of XXXX/XXXX/XXXX and it was told to me that it was a clerical error and that they were going to reach out to the attorney office to correct.
I had to call the attorney office and it was corrected.
Originally the cash for keys was approved with the sale date of XXXX and it had to be resubmitted because of the date correction.
They are now saying that they have declined the cash for keys because I " changed '' the sale date which is a lie. It was a clerical error that was corrected by the attorney for the finance company.
They have teetered back and forth since they first offered the cash for keys option.
I was not able to accept the modification offer and was told that we could try a short sale. I had contacted a realtor to begin the process and at the same time they issued the sale date. I received notice of a XXXX/XXXX/XXXX sales date on or about XXXX/XXXX/XXXX via regular mail.
It was on or about XXXX/XXXX/XXXX that I was told about the cash for keys. Since that date they have twice told me that I am approved and twice told me that was denied.
This back and forth is a clear sign that I am being bullied and there is something very wrong here. I have done all I can to resolve this and I am following all of the rules. I feel that I have no one to turn to to help resolve this matter.
In my last conversion with them they said that we could renegotiate the cash for keys after the sale date. There is either a policy or there is no policy. They change the offer repeatedly. This can not be legal.
Company Response: Closed with explanation
2017-11-09
Oxford, GA
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Seized or attempted to seize your property
Company Response: Closed with explanation
2017-11-09
PA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: In XXXX I received a letter returning my mortgage payment, which letter was addressed to the incorrect person, at my address, with an incorrect account number. The letter stated that my check was returned because it was insufficient to bring my mortgage account current. As of that date I had no idea my mortgage was behind. After phoning Selene Finance, and them doing research, it was discovered that some time ago ( over 1 year ) Selene had raised the amount of my monthly mortgage payment ( though I was not aware of that ). I continued to pay my " normal '' monthly mortgage payment. As I have since discovered, each month they would take part of my " normal '' payment and apply it to the deficiency in the prior month. Over time, this ( again unbeknownst to me ) caused my account to show several months delinquent. During the time all of this was being figured out with Selene, they returned another mortgage payment that I had sent prior to receiving the letter. I have gone back and forth calling Selene, each time having to speak with a different representative, trying to rectify this. I was told an amount to pay to bring everything current and I did that, only to have that payment returned. When I called about that payment being returned I was informed that I had been given wrong information by the last Selene representative that I spoke to. During this time, Selene apparently sent my mortgage to XXXX and XXXX to begin foreclosure even though they were well aware that I was in communication with them to rectify the account. It was because of THEIR misinformation that I was not able to resolve it prior to them sending it to foreclosure. There was a hearing date in XXXX. I appeared at Court but Selene did not. It got rescheduled. In the process of continuing to attempt to resolve my account, a reinstatement letter was issued stating that I had to pay {$5900.00} ( which was all of the monthly mortgage payments through XXXX, XXXX AND approximately {$1700.00} in legal/foreclosure fees. I consulted with an attorney who suggested I contact Selene and see if they would accept a lump sum and then a monthly payment over and above my regular monthly mortgage payment until the difference was paid. I phoned Selene and spoke with XXXX. Again I could get no last name or employee ID or any other information to be able to identify this person in the future. I explained the reason for my call, that I was attempting to rectify my mortgage, STOP the foreclosure, and keep my home. XXXX stated that if I would pay {$3800.00} ( not the exact amount ) by XXXX XXXX it would bring my account current through XXXX. I would then have until XXXX XXXX to make both XXXX and XXXX 's mortgage payment. I asked about the legal fees and he informed me that those fees would be added to my mortgage balance but that my monthly mortgage payment would not change but the number or remaining payments would. I verified with him THREE times ( at least ) that this would STOP the foreclosure. He assured me that by making the payment of the {$3800.00} ( not exact figure ) my account would be current and, therefore, there would be no foreclosure. I asked for payment instructions to make sure my payment would be received and applied as quickly as possible. He gave me wiring instructions, XXXX instructions, overnight mail instructions, and regular mail instructions. I advised that I would call him as soon as the payment was made. On Monday, XXXX XXXX the exact amount that XXXX told me to pay ( $ 3,800+ ) was wired from my bank to Selene . I attempted to phone XXXX Monday evening as I stated I would. When I called and asked for XXXX I was told he was unavailable. I had a XXXX on the phone. She went through the entire verification process and proceeded to tell my that my account was in default and in foreclosure. I then recapped my conversation with XXXX and advised her of the wire. The wired amount had not been applied to my account yet but she could see the wire. I then attempted to verify that this would now stop the foreclosure and that they would notify XXXX and XXXX. She then informed me that actually no, the amount wired was not correct. That the amount had to be what was indicated on the Reinstatement Letter ( the $ 5,900+ ). I again advised her of my conversation with XXXX, and that the Reinstatement Letter is in fact what led me to call Selene to attempt to resolve the issue through a lump sum plus payments since I did not ( and no not ) HAVE {$5900.00}. She continued to state over and over " ... the Reinstatement Letter .... ''. I got frustrated and advised her I no longer wanted to speak with her since she was not hearing me and that I wanted to speak to XXXX or to a supervisor. I was connected to XXXX, a supervisor. In looking at the account she stated that she could see what happened ( how the account got " behind '' ). She further gave me the boilerplate answer of " you have to pay the amount indicated on the XXXX XXXX to stop the foreclosure. '' I again reiterated my conversation with XXXX, his instructions and ASSURANCE that this is what I needed to do to stop the foreclosure ( in lieu of being able to pay the entire {$5900.00} ). She stated that he gave me wrong information and that he would most likely lose his job. I told her this has been the problem since I knew there was a problem. You can never speak to the same person twice. A Selene employee tells you what to do to correct the problem, you do what you were told, only to then be told no ... that 's not correct, meanwhile the account getting further in arrears because they are not accepting ANY payments, including payments in the amount they instructed to be paid. She stated that she wanted to help me, she was going to go to her superior after researching, and I would get a call the next day. The next day I got a phone call from XXXX with Selene. He was VERY rude. He told me that I had to pay the amount on the Reinstatement letter, that he had listened to the recording of my call with XXXX but that XXXX was wrong and he was not bound to honor what XXXX told me. He did not attempt to assist me at all. I have since reached out to XXXX XXXX, FHA and HUD in an attempt to stop this madness. I was advised by XXXX to also file my complaint here.
Company Response: Closed with explanation
2017-11-08
FL
False statements or representation
Debt collection: I do not know
Impersonated attorney, law enforcement, or government official
Complaint: On or about XXXX XXXX, XXXX, my manufactured home bearing the identification number of XXXX was stolen from me by the bank listed on the documents. The bank in question had no rights whatsoever to my home, as my mortgage was through XXXX XXXX originally through XXXX XXXX, then transferred to XXXX XXXX and finally to XXXX XXXX. As you may see through the legal documents, my home was not to be included in the foreclosure per XXXX XXXX order. Moreover, the Certificate of Title and Certificate of Sale exclude my home as well. I had to retain legal counsel at the time just to prevent the bank from stealing my home, which they had no legal or civil interest in at all. The bank in question was somehow able to locate the VIN of my home and include it within another foreclosure. The bank physically had to research my VIN, as they would not have had any record of it since I did not have a mortgage or loan of any type with this bank. What this bank did to me would be no different than if I were to foreclose on my neighbors home. My neighbors do not owe me any money, and I have no security interests in their home ; however, I foreclose on their home anyway even after a judge orders me not to do so. Well, this is exactly what this bank did to me. It is extremely worrisome that this bank has been able to get away with this crime, which establishes a frightening precedent that could be perpetrated unto other honest citizens. The contact information for the bank whom illegally dispossessed my home is : Selene Finance, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Despite the Judges order and the bank realizing that it had no rights to my property, the bank fraudulently acquired title to my home and sold the home. I was still making payments on my home for several months after the bank had stolen my home unbeknownst to me. At some point in XXXX, the new owners removed my home from their property and the whereabouts are unknown to me. I had thousands of dollars in personal belongings still in the home. To date, I am still being harassed from XXXX to make my mortgage payments, which has negatively impacted my credit and subsequently has had a detrimental effect on all aspects of my life. I had my home and personal belongings stolen from me, have lost a great deal of money, negative reporting on my credit reports, and have endured a great deal of stress and aggravation to say the least.
I truly hope that you can help me in this criminal matter and prosecute the perpetrators.
Company Response: Closed with explanation
2017-11-08
Lake Charles, LA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: Please see various incidents in regards to this loan. Credit reports are not showing the correct information. Thus, we are unable to refinance our home.
Company Response: Closed with explanation
2017-11-03
Nyc, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have received a response from XXXX XXXX on behalf of Selene Finance dated XXXX XXXX, XXXX stating that they are not able to respond to the complaint with furthermore reference of, yet another company, XXXX, who initiated collections on the account.
Upon communications and multiple open complaints lodged against XXXX XXXX XXXX, XXXX has failed to provide a subsequent response as of XXXX XXXX, XXXX.
Furthermore, XXXX XXXX XXXX XXXX has stated that they required an extension of 60 days to respond. The extension has expired. XXXX failed to respond as of XXXX XXXX, XXXX despite of the fact that the necessary documentation was submitted.
If Selene Finance has become an official representation of XXXX XXXX XXXX, they have to reference any and all open complaints and documentation and provide an immediate response.
Additionally, Selene Finance is to specify their relationship and affiliation to XXXX XXXX XXXX as to which they referenced in their response Paragraph 3 line 2.
Company Response: Closed with explanation
2017-11-03
Achille, OK
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-02
Plano, TX
Applying for a mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-01
CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I would like some intervention because XXXX is not at all coopertaing with providing an actual investigation and correcting my items. I have notifieid them of these inaccuracies as well as sent the physical proof from my credit report to back up my claims ( see report attached ) and still nothing was done. How can they continue to " verify '' these inaccurate items when I am continuing to send them the proof? This is 100 % against the regulations of the FCRA and now these items must be deleted immediately.
Here is the main issue : Selene Finance XXXX XXXX is reporting this account as paid.
XXXX is reporting this as 120 days late with a monthly payment of {$1800.00}!
There has been no update on this account since XXXX of XXXX and does not even include an original amount or the required notice of dispute. How can I be 120 days late on an account that has been paid? The status must reflect this and there should be no monthly payment once an account is closed, let alone paid. How am I still paying on an account that is closed and paid?
The secondary issue is that they are reporting this XXXX account that I was late on dates that I do not agree with and I know for a fact that they are not allowed to parrot what the creditor is saying, so my question is : HOW are they verifying these late payments on XXXX, XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX?! I can say with 100 % certainty that I was not late on 3 of those dates!
Company Response: Closed with explanation