Selene Finance LP

2016-08-15

Fort Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Key Biscayne, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Providence, RI

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

OK

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I got behind on my mortgage in XXXX 2016, that month I only had {$500.00} of the {$670.00} to pay so I sent the {$500.00}. The company still has that money and has n't applied it to anything and has not sent it back to me. I was n't able to make XXXX or XXXX payments due to replacement costs in the home. I sent the {$170.00} to get XXXX caught up but they sent it back refused to accept it saying they would only accept full payment for XXXX, XXXX and XXXX. How am I suppose to do that?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-12

Simi Valley, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: The Investor through their servicing agent Selene Finance is engaging Predatory collection Practice though Mortgage Service Abuse Bad Faith and Unfair Business Practices, behavior tactics and attempt at Equity Thief. Selene Finance purposely delated the Short Sale process in order to increase their profits by increased fees all the while with no intension of ever approving the Short Sale thereby causing unnecessary stress and severe mental anguish. The Homeowner or their agent has been is continued communication with Selene since XXXX of 2016. Selene representatives have consistory delayed, denied and deflected by changing representative several time, not returning phone calls, repeatedly asking for the same documents and the file not being reassigned while the representative was on a prolonged absents or vacations.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Tuckasegee, NC

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX, 2015 I paid XXXX XXXX XXXX {$6800.00} to reinstate my mortgage included was attorney fees of almost {$1600.00} XXXX XXXX, 2015 I received a notice that Selene was to be my new mortgage service provider. XXXX Selene sends a statement saying I owe legal and attorney fees about {$1600.00} Selene showed a statement from XXXX XXXX XXXX stating {$5100.00} was paid to reinstate my account. No one knows where my other {$1600.00} went to.? I filed a complaint to the NC Commissioner of Banks last year. I faxed and copied/mailed all my paperwork from XXXX XXXX XXXX to Selene. They requested info themselves and were given different info. I PAID that {$1600.00} again to Selene at my closing XXXX. How could I reinstate my loan without paying legal fees??? I truly believe all the paid postings and passing me over to Selene the same time I reinstated my loan, that the mail, payments, etc crossed in the mail. Thing is XXXX XXXX XXXX should have fixed this with Selene. Please help me. XXXX XXXX XXXX screwed me over the last 6 yrs or so in a greedy loan modification. Thousands extra $ $ spent. That is another story I will never recoup from. I have a huge stack a paperwork but in only a few pages prove I paid the legal fees with XXXX XXXX XXXX and that Selene double billed me. I am trying to get my money back from Selene, with interest if possible ... .. This bank has been nothing but rude and ugly with me. A few weeks ago, XXXX told me the legal team that handled the reinstatement. When I contacted them, they told me they had no track of that and my name and address. I am not able to upload Doc but will gladly fax or send you copies. I had Selene as a mortgage co for 2.5 months. I sold the property in XXXX 2015. Please help me
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Arlington Heights, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-10

Brooklyn, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Prior Lake, MN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Katonah, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-05

Kansas City, MO

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Arlington Heights, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-04

Brockton, MA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-04

Erwin, TN

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I would like to lodge a complaint regarding Selene Finance, to whom my mortgage with XXXX XXXX XXXX was sold. My payment in XXXX XXXX was 'credited wrong ' and took three phone calls and a letter to resolve. In the interim, the missed payment was reported to the credit bureau, and still, after establishing that it was paid, shows up as 'unknown '. This month, I called in my payment four days before it was due, and today, a week later, nothing has been debited from my checking account nor posted to my account on their website. Upon calling them, my call from XXXX is recorded to make the XXXX payment, but 'does n't look like it was completed '. I asked if it were submitted again today if it would show up as being paid last week as requested on the first phone call, and was told that no, it would be credited with today 's date. Additionally, I have completed a Chapter XXXX, which was discharged in XXXX XXXX. The mortgage was paid outside of the bankruptcy and no payments since its inception in XXXX have ever been late. Selene will disclose no information to me because 'it 's handled by the bankruptcy department ' and needs to be requested by my lawyer. I now have no confidence whatsoever that payments made on time will be credited properly, and as the Chapter XXXX has been closed, I would have to re-engage the lawyer for communications regarding a mortgage that was never part of the bankruptcy to begin with. " Losing '' two payments in less than two years is ridiculous and I feel I have no recourse.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Oxford, GA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: I filed a Chapter XXXX in XXXX XXXX. The bankruptcy attorney told me that before my petition could be filed, I had to surrender collateral. I owned a property in another state. I surrendered the property and my petition was filed and confirmed. During the course of the bankruptcy period, XXXX XXXX XXXX sold my loan to Selene Finance in XXXX. I thought since I surrendered the collateral that released me from all rights, title and interest in the property in XXXX, which meant that I should have been removed from the title and deed of the property. That was not the case and now Selene is foreclosing on the property. They have promised that the foreclosure would not appear on my credit and that my name would be removed from the title and deed. This process should have taken place in XXXX and not now. I am requesting that they stop the foreclosure and do a quit claim deed or deed in lieu of foreclosure. If not that, how much would it be for a possible settlement to get a release?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Glenarden, MD

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Hickory Hill, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-29

Wind Point, WI

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed

Disputed: No Timely Response

2016-07-28

E Somerville, MA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Oxford, GA

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: XX/XX/XXXX, while we were in the process of closing a loan modification with XXXX. On the date we were to have the modification finalized, our loan was instead sold to Selene Finance. Neither company honored the modification. We just recently found out XXXX had purchased Selene. Selene went on to raise our mortgage payment by {$500.00} claiming it was due to an escrow shortage, even though our tax and insurance payments had not changed. We once again told Selene we needed the modification due to the financial strain this caused & we requested another loan mod from Selene. Selene then strung us along for over a year with a promise of a loan modification they never delivered on. After trying for close to 15 months to get the modification, XX/XX/XXXX, we went to an outside company that promised results. Selene refused to work with them. Upon this event, we fell behind on our payments. Upon receiving a notice of sale from Selene XX/XX/XXXX, we contacted them to see what we could do to save our home. They set us up on a forbearance agreement where we had to make a down payment of {$3700.00} by XX/XX/XXXX, and then make 3 payments of {$4500.00}. The amounts included were to make our account current our ie. late payments & late fees. Selene contacted XXXX XXXX XXXX, to offer us a special deal available only through XXXX and Selene. XX/XX/XXXX, were we contacted my XXXX with this special offer. The offer was supposed to lower our principal balance and monthly payment. We accepted the offer. We did not get the offer we were promised. Selene over-inflated our principal balance and gave the underwriter inaccurate information that failed to show our mortgage was current before we closed on the loan due to the forbearance. They had also inflated the amount they claimed we owed by XXXX. We noticed, & the FDIC confirmed the numbers that Selene 's had given to XXXX during the under writing process was inaccurate and told me that I needed to file a complaint with the CFPB right away. the amounts listed on the Uniform Loan Application are inconsistent/inaccurate several times during the underwriting process. Our case number with the FDIC is XXXX Before we refinanced our home with XXXX, we were in a forbearance agreement with Selene Finance in order to keep our home from being foreclosed. We had to make a down-payment of {$3700.00} by XX/XX/XXXX, then 3 payments of {$45000.00}. These amounts included the monthly payment along with the late payments & fees. When Selene purchased our loan the assignment shows that the listed price was {$300000.00}. ( See ) property document. This loan originated in XX/XX/XXXX and was XXXX of XXXX loans. If they purchased a loan which was originally listed as XXXX. How could it go up after 6 years of payments to XXXX? On XXXX form XXXX pg 1 of 4. The acquired year : XX/XX/XXXX, There were XXXX loans. The XXXX lien is in the amount of {$300000.00} which was the lien Selene purchased. Yet, Selene had our principal balance was increased to XXXX XXXX on the loan application. This application was written up in XXXX of XXXX. The billing statement from Selene on XX/XX/XXXX, shows our principal balance as XXXX. See ( document named XXXX ) Yet, on our Hud 1 Settlement Statement pg XXXX of XXXX Section XXXX Line XXXX the payoff amount for Selene was listed as {$270000.00}. The liabilities of a spouse should be included in the Uniform Residential Loan Application because the property right 's of the spouse must be considered. Yet, the only expense listed was {$490.00}. This information could not lead to our true ability-to-repay. Our final billing statement from Selene shows our principal balance was XXXX. There is an overdue balance listed but we paid off all of our late fees during our forbearance. See attachment.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-28

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On the year XXXX the XXXX mortgage with XXXX XXXX then held by my father was in default. He was very ill and was XXXX. He tried to negotiate with XXXX XXXX and requested a deed in lieu. He was not successful and shortly after on XXXX XXXX he passes on. I inherited the house with default. I immediately seek legal advice. However it was not the correct XXXX. The attorney actually stated it that the house was in foreclosure and there was nothing that could be done. I continue to seek advice from other sources and other attorneys to now find myself in a very dangerous situation. My home, my inheritance continues to be in foreclosure and I need to safe my home. This is my only shelter. On XXXX XXXX I received a notice from Selene Finance that they were now holding our mortgage. I approach them and no one could help me. I have hired an attorney XXXX XXXX XXXX who is helping me with he paper work. I have requested a loan modification with Selene Finance however my shelter, my home is listed in the news paper for a foreclosure sale day of XXXX XXXX .Please note that these banks due not take the time to help. I am asking for you to please have my file review and give a chance to keep my home.. thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-25

Tarzana, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-25

Kings Ferry, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-25

Warrenton, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On Monday XXXX XXXX, 2016, a man approached my front door. He took a photo of my front window with a tablet and left a yellow envelop with a notice, to contact Selene Finance at ( XXXX ) XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response