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 25
2017-08-22
Fort Lauderdale, FL
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-21
East Union, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-18
Rochdale, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: i requested for my full payment history for the past 2 months I did not get it
Company Response: Closed with explanation
2017-08-18
Sm, KS
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My primary residence home mortgage was serviced by XXXX XXXX XXXX # XXXX for over 4 years. I have experienced multiple hardships in the past several years with a job layoff, then XXXX ( XXXX XXXX XXXX ), plus XXXX XXXX full time for my elderly XXXX mother ( XXXX ). InXX/XX/XXXX XXXX XXXX XXXX reset/raised my escrow payments up around an extra {$250.00} a month creating a hardship as my mother and I are on a fixed income ( part of this was {$100.00} extra just to " pad '' the escrow account ). My monthly payments increased from {$1100.00} a month to over {$1300.00} a month. I missed several payments and I filled out a Request for Mortgage Assistance ( RMA ) with XXXX XXXX XXXX in an attempt to perhaps get a repayment plan or forbearance or other assistance. XXXX XXXX XXXX mentioned a loan modification ( which would not be in my best interest as my adjustable rate mortgage rate was 3.5 % at the time ).
XXXX XXXX XXXX sent me multiple letters requesting more documentation and I complied with these requests before the expiration dates on the letters. The first customer service manager was XXXX XXXX. Then my account was turned over to another customer relationship manager XXXX XXXX and things really went downhill from that point on in 4 short weeks. XXXX XXXX ordered a valuation of my property on XX/XX/XXXX and I received a copy. My home is not " underwater '' in fact I have a positive equity balance of over {$150000.00}. My loan balance is currently {$100000.00} and the bank valuation report was for {$250000.00}. XXXX XXXX XXXX never " reviewed '' my RMA request even though I sent them a " complete package '' of requested documents. XXXX XXXX XXXX never offered me any type of relief or repayment or forbearance ( even though I caught up on loan payments and was current on all payments as of XX/XX/XXXX ). Instead XXXX XXXX XXXX notified me on XX/XX/XXXX that my mortgage would be transferred/assigned to Selene Finance onXX/XX/XXXX. It appears to me that XXXX XXXX XXXX XXXX intent was to circumvent the National Mortgage Settlement Relief Act and " dual track '' my loan over to another smaller company that might not be bound to the Mortgage Settlement Act to try and attempt foreclosure on my home loan mortgage.
Since Selene Finance took over the servicing of my loan on XX/XX/XXXX the nightmare has increased tenfold. As of XX/XX/XXXX I have yet to receive a mortgage account number or mortgage payment coupon or written instructions from Selene Finance for my mortgage payments. Selene Finance LP based out of XXXX, Texas had the audacity to harass me by phone and have a real estate agent contact me by phone and text to attempt to get inside my home for a VPO. On XX/XX/XXXX I listed my property for sale because I do n't wish to deal with XXXX XXXX XXXX or Selene Finance as I have not been treated fairly. I believe both companies have discriminated against me because of my XXXX and not made any type of acommadation as required by the American with Disabilities Act ( ADA ). I am current on my mortgage and it is my intention to stay current and sell my house then pay off my loan rather than continue to have to deal with those that would seek to steal/deprive me of my property/assets.
I mailed myXX/XX/XXXX mortgage payment to Selene Finance by USPS Priority mail tracking ID ( XXXX ) to the address instructed by XXXX XXXX XXXX in a letter datedXX/XX/XXXX *that I received on XX/XX/XXXX ). XXXX XXXX XXXX specified that I should mail my payment and use my XXXX XXXX XXXX account number until I received paperwork and a new account number from Selene Finance. Selene Finance received delivery of my personal check for the full payment of my XX/XX/XXXX mortgage in the amount of {$1300.00} along with a copy of the letter from XXXX XXXX XXXX and my XX/XX/XXXX mortgage coupon. This payment has not yet been presented through my checking account or applied to my loan. Selene Finance harasses me with multiple phone calls even though I am hearing impaired therefore I sent them a Qualified Written Response letter today on XX/XX/XXXX by USPS certified mail ( XXXX ) requesting information about my loan and informing them of my payment for immediate processing and applying to my home mortgage.
Company Response: Closed with explanation
2017-08-16
Jacksonville, NC
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-08-16
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-15
Caldwell, NC
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-08-15
VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: We had trouble making payments to our loan servicing company - Selene Finance - due to a dip in our business, since XXXX 2017. Over the last three months, I had requested loan modification materials, due to the fact that we have been in our home for 15+ years, and have substantial equity value in the home. While the company calls near daily with robo-calls to ask when we are going to make our next payment, they have not provided the loan modification docs, and we have now fallen seriously behind - six months - and are likely facing foreclosure. I am concerned that this is a strategy, since there is a substantial difference between our mortgage amount ( {$200000.00} ) and the market value of the home ( {$430000.00} per XXXX ). We simply want to find a modification program to bring us current, as we will be in the position to resume regular payments.
Company Response: Closed with explanation
2017-08-14
Fort Fisher Air Force Statio, NC
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-14
Skipperville, AL
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Seized or attempted to seize your property
Complaint: The company refuses to enter the account into an active forecloser status and continues to purposely damage my credit. Selene Finance personnel informed me time and again that I fall under the SCRA. Two things, I never provided a contract or orders informing them of my relation to the military. Two I waived my rights to SCRA no less than three different times. I will attach supporting documents to support my claims. Attached : XX/XX/XXXX - Email requesting foreclosure ( memo with original deed-in-lue paperwork from XXXX XXXX XXXX ) XX/XX/XXXX - Email requesting foreclosure ( memo to lawyer ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Returned Forms to waive SCRA via FAX. I believe Selene Finance is purposely losing documents and shuffling their feet. I am not sure to what end, but I 'm positive this is intentional.
Company Response: Closed with explanation
2017-08-10
GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: we were advised by the lender the file was removed from review due to missing items - All missing items were provided for the review 3 times and the lender refuses to accept the information being provided - it was requested to provide the clients husbands income for review of the modification - XXXX XXXX is not on the mortgage and did not start work until XX/XX/XXXX he has been unemployed since XX/XX/XXXX- XXXX does not have a bank account - all transactions are completed by cash only - there are no tax returns due to the business being only started since this year and he is not required to file for the earning of this year until next - We were also advised that a sale date was set on this file XXXX - when the file should and was under review with the lender - the lender has set this date for XX/XX/XXXX - this is considered Dual tracking and is in violation of Regulation X. The file should have been deemed complete for this review - the lender has been provided a letter of explanation regarding the husband 's income to satisfy their requests. We have also requested the income from the husband be excluded from the review if the Letter of explanation is not satisfying the requests. The lender has not completed the review of this loan properly and did not reviwe this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Company Response: Closed with explanation
2017-08-08
NC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Background : I went thru bankruptcy, filed XX/XX/XXXX, and have made regular payments on the Subject property mortgage since the bankruptcy plan was accepted. Selene Finance is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. I have worked hard to come back from bankruptcy. I have worked hard rebuilding my credit, by making one regular on-time payment at a time, over the past 8 years. Selene Finance took over this loan within the past few weeks. After years of making regular payments, and within weeks of taking over the loan, Selene is making an outrageous claim. Selene is claiming 16 months of back payments, for a total of {$16000.00}, due immediately. Both previous mortgage servicers, XXXX and XXXX, did not make this claim for back payments. On XX/XX/XXXX, Selene Finance immediately refused to talk with me after I accepted their request to record, and I reciprocally asked their permission to record the call. If this was all above-board, then recording should be acceptable. By emphatically and immediately discontinuing the conversation, one is led to believe Selene Finance is acting in ways that they would not want recorded. Selene Finance has already sent ( 2 ) notices offering help to avoid foreclosure, offering Deed-in-lieu, short sale, and other options. If these notices are not required by law for a new servicer, to a debtor with on-time payments, then I consider them financial bullying. Selene Finances actions are causing immediate harm in legal fees, and time spent dealing with this issue, which has not been an issue for the past 8 years.
Company Response: Closed with explanation
2017-08-07
Newark, NJ
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: After years of attempting to obtain a loan modification, Selene Finance approved the request for a three month trial modification starting XX/XX/XXXX through XX/XX/XXXX. I made all the payments on time then received the permanent modification which required my ex-husband, XXXX XXXX XXXX to sign the agreement. I called Selene and explained that this loan originated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX, XXXX is not on the note or the mortgage. Also, XXXX does not have the property address for safety reasons which is the entire reason I use a XXXX XXXX so XXXX does not know where to find me.
Selene Finance advised me that XXXX signed the security instrument which means he has rights to the property. This is not the case as I even sent Selene Finance the closing documents from this loan origination that does not reference XXXX ; s name at all and even states not married. I know XXXX only signed a document stating he would not come after the house after the divorce since the county can take a few months to record the divorce documents.
Selene Finance called me back and they are requiring a copy of the complete, filed and recorded divorce decree showing who the property was awarded to. On XX/XX/XXXX, I emailed Selene Finance the attached documents to show XXXX XXXX XXXX has no interest in this subject property. The divorce was finalized XX/XX/XXXXand his whereabouts are unknown:1. Copy of the deed showing XXXX XXXX only. XXXX XXXX XXXX was never on the deed.
2. Final judgement of divorce showing there was no property to award since XXXX XXXX purchased the property XX/XX/XXXX at the end of the divorce process which was finalizedXX/XX/XXXX. 3. Copy of closing documents at the time of this loan origination showing instructions not including or referencing XXXX XXXX XXXX.
I was told, even after these documents were reviewed onXX/XX/XXXX, XXXX is still required to sign the documents and the loan can not be permanently modified without his signature.
Company Response: Closed with explanation
2017-08-04
San Diego, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX approved of a mod modiciation but sold my loan to XXXX XXXX before the first payment of my trial period. A key debt forgiveness provision in the XXXX trial letter was unethically excluded from the final loan modification agreement, drafted by XXXX involving an incentive for over {$330000.00} in debt forgivement over the first three years of the payment period. Under XXXX XXXX, I was also approved for a Keep Your Home California ( KYHC ) debt forgiveness pay out of {$100000.00}. XXXX XXXX initially verified receipt of {$100000.00}, and in mortgage statements showed that a portion of the {$100000.00} was appled to future mortgage payments. XXXX then told me that the {$100000.00} was returned to XXXX, such that payments were instantly in arrears. XXXX XXXX also intercepted a mortgage paymentinvolving three ( 3 ) money orders earmarked for a mortgage payment, forged all 3 money orders, and used them for the personal use of a nationstar employee and/or its associates and never gave me credit for that specific payment. I filed a police report with the Sheriff of XXXX XXXX County, in Califfornia where I reside and the case was transfered to XXXX Texas, where XXXX headqquateres is located. XXXX XXXX sold my loan to Selene Finance who says the {$100000.00} KYHC funds were transfered to them but have denied my request for a loan mod. The XXXX XXXX told be there was NO {$100000.00} funds from KYHC but agreed to obtain a loan mod on my behalf, but have been 'stringing me along ' for over 6 months now, claiming my file is escalated, with a forclosure sell date pending of XX/X/2017.
Company Response: Closed with explanation
2017-08-04
Newnan, GA
Problem with a credit reporting company's investigation into an existing problem
Mortgage: VA mortgage
Company Response: Closed with explanation
2017-08-04
Gary, IN
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: My mortgage loan is serviced by Selene Finance and the investor is XXXX XXXX. I was previously discharged in a chapter XXXX bankruptcy, but Selene Finance kept aggressively collecting payments on my mortgage loan. Selene Finance finally offered me a trial loan modification in XX/XX/XXXX and the payments were {$770.00} per month. Selene Finance advised after the three month trial plan that a permanent loan modification would be completed. However, they continued to collect trial payments until XX/XX/XXXX and then advised that the loan modification was denied. Selene Finance 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. Persection 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 has also violated the Federal Bankruptcy codeby proposing a forbearance agreement on the discharged debt. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of 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 violationof the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105of 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. No. XXXX, XXXX. # XXXX ( XXXX. XXXX NY XX/XX/XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No. XXXX, XXXX. # XXXX ( XXXX. S.D. Ohio XXXX ). Selene Finance is in clear violation of CFPB mortgage servicing rules as well, since they have refusedto complete underwriting on complete loan modification packages submitted. Selene has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by Selene Finance on a number of counts and I am seeking your assistance on this matter.
Company Response: Closed with explanation
2017-08-03
N Highlands, CA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-08-03
Berkeley Lake, GA
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-07-31
Jupiter, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: THIS IS IN REGAURDS TO MY MOTHERS HOUSE AT XXXX XXXX XXXX XXXX SHE HAS XXXX I APPLIED AND WAS APPROVED A LOAN MODIFICATION IN XX/XX/XXXX XXXX XXXX SOLD TITLES TO HOME IN XX/XX/XXXX. I SIGNED AN AUTHERIZE LETTER SO XXXX XXXX CAN TALK TO ME .I WAS DECIEVED AND LIED TO. THEY SOLD THE TITLES TO A COMPANY NAMED XXXX XXXX THEY COULDT TALK TO ME AFTER I GAVE THEM MY CONTACT INFORMATION. THEY STATED THEY NEEDED AUTHERIZATION SO I SENT THEM THAT AND THE STATED IT WAS TOO LATE. I CONTACTED THE COMPANY THAT BOUGHT MY MOTHERS HOUSE I WAS TOLD TO CALL BACK ON XX/XX/XXXX I WOULD LIKE THE FORCLOSED SALE REVERSE OR REDEEMED .THIS PROCESS HAS BEEN UNFAIR I WAS TOLD DIFFERENT MAIL WAS NOT RECIEVED. I WASENT INFORMED ON WHAT WAS GOING ON.IF MAIL WAS SENT IT SHOLD HAVE BEEN CERTIFIED WE LIVE IN A NOT SO NICE NEIGHBORHOOD .IF YOU COULD PLEASE ASSIST ME I WOULD BE GREATLY APPRECIATED XXXX XXXX CONTACT INFO ( XXXX ) XXXX
Company Response: Closed with explanation
2017-07-27
Brooklyn, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-26
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-26
NJ
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Please note : I tried contacting Selene Finance regarding my loan, in XX/XX/XXXX, and they refused to give me any information regarding my loan. The only information they gave me, was to contact the attorney that was representing me. I DO NOT have an attorney that is handling my mortgage. The only time a lawyer was handling my mortgage, was in XX/XX/XXXX when I filed for bankruptcy. The lawyer that handled my bankruptcy has disbarded himself recently in XX/XX/XXXX. I have not received any statements from Selene financing, only what I enclosed. I sent them 2 payments, in XX/XX/XXXX and XX/XX/XXXX, both payments were returned to me.
Company Response: Closed with explanation
2017-07-26
N Haven, CT
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Selene Finance refused to process my loan payment last year when I was finally approved for a loan modification. This loan modification took 10 months because the purposely always lost my paperwork. I would email, fax and send in regular mail all required paper work and they continue to lose my paperwork until finally I got approved. They I mailed in my payment with a money order and they stated I did not pay and continued the foreclosure proceedings with the court system however they lied to me that they were going to work with me. I continued to send in new paperwork during a XXXX XXXX XXXX and even during the XXXX of my daughter. I talked to this bank in the hospital and the funeral home and they continued to lie to me. They have already closed out the account on my credit report even thought we are in XX/XX/XXXX and the sale date is in XX/XX/XXXX.
Company Response: Closed with explanation
2017-07-25
Las Vegas, NV
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2017-07-25
Keyport, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation