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 41
2016-05-20
IL
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: I applied for a loan modification thru the hamp program, My current mortgage went from XXXX to {$1200.00}. Its still 46 % of my income. I did not receive any financial relief with the program that I applied for. I am also question the current interest rate that went from XXXX to 4.250 % The current marrket rate is 3.4 %. The servicer of my loan is not giving me any relieft what so ever regarding my current loan. I am need of help as soon as possible.
Company Response: Closed with explanation
2016-05-19
Harrisburg, PA
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-05-16
NY
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: Selene finance has now stopped excepting our mortgage payment. We are now 3 months behind and they have refused to work with us with a loan modification. We attempted to make XXXX FULL payments and have been refused. Selene is now telling us that we can be foreclosed on.
Company Response: Closed with explanation
2016-05-14
N Haven, CT
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: I am a XXXX woman, XXXX years old and XXXX. I have been trying to get my home modified since XX/XX/XXXX. I had zero luck and it was very hard for me to get around my house to fax all the documents they had always requested over and over. I am in a wheelchair and live alone ; I have to wait for my son or daughter to come home from work and help me, if they were not too tired. I did everything my lender they had asked me. On XXXX/XXXX/XXXX, my lender, Selene Finance, denied my loan modification request stating that I had " insufficient income to support a modified payment ''. They calculated my income much too low and wrong, about {$1700.00} too low! They did n't give me time to appeal this - they instead sold my house at foreclosure auction on XX/XX/XXXX. I had no time to tell anyone what they calculated was completely wrong. This is a violation of the rules, how can they calculate whatever they want, deny it and then sell a house without me having time to correct them to get on the same page! I could not believe it ; this was another punch in the face. I am formally requesting a rescission of the foreclosure and a FAIR review of my case, they did not give me 30 days after they made the determination of my income for an appeal. They denied me and sold my house 6 days later ( 2 of those days being a weekend ). I will also be escalating this to the FHFA and to the CT attorney general. Also have tried calling numerous times to Selene Finance 's foreclosure attorney XXXX XXXX, a ruthless law firm who is know to be very agressive and ignore homeowners and their advocates. They also did not answer my counselor 's calls after my house was sold. This house is all I have and they calculated my income however they wanted to be able to deny my application and sell my house days later. No appeal time, no call back, foreclosure attorney ignores me completely. They sent a contracted realtor snooping around my house every few months ( XXXX XXXX ), whom would scare my tenants and berate me telling me I am going to lose the house anyway ( I will deal with that as a separate issue ). She also told my tenants to hand over their security deposits directly to her because I was in foreclosure. Again, a separate matter but she stated she was contracted by my lender. Somebody needs to make this right before time runs out and I am going to the government with this matter. I am tired of being ignored because I am elderly and in a wheelchair. I have been taken advantage of for too long. This is all a severe injustice and must be remedied. You have my full permission to speak with the counselors at XXXX XXXX. To Selene Finance : DO NOT close my case stating that you do not have authorization, because I am attaching it again and they have already been working on this case for 1 year so there is no excuses.
Company Response: Closed with explanation
2016-05-14
Finksburg, MD
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: My attempts to modify my mortgage failed due to not enough income. Due to death of a child and then loss of income & medical issues as well as divorce the household income was no longer the same or enough to qualify for the loan modification. I moved fwd with list & advertising my home for short sale. There have been multiple offers on my home but they have been declined by the bank twice. I have done everything the bank has asked of me. According to my attorney the bank negotiator the bank has indicated it would be " better for them to foreclose than to do a short sale ''. This is NOT fair. I am a now single mother, just getting back from medical leave just doing my best to survive with my remaining XXXX children.
Company Response: Closed with explanation
2016-05-13
Bogue, NC
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Company Response: Closed with explanation
2016-05-12
Graceville, FL
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Company Response: Closed with explanation
2016-05-12
New Britain, CT
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: I just called in to schedule a payment with my mortgage company and they are refusing to take the payment unless I can bring my account fully current all at once. We are 4 months behind and also owe this month ( 5 months worth ). We only fell behind because we were in the process of working with our mortgage company to get our loan modified. This process took over a year and, in the long run, they cancelled our modification without our permission because we fell outside of their timeline due to the fact that we were waiting for them to respond to something we requested in writing. I have made several complaints about this mortgage company and so far nothing has been done in our favor. The only reason we even have a mortgage with this company is because our mortgage keeps getting moved by the government due to fraudulent lending practices. Each time we are moved to an increasingly fraudulent lender and our account suffers as a result of this. It has been an ongoing battle with mortgage companies since at least 2007.
Company Response: Closed with explanation
2016-05-11
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-05-11
Blackbird, DE
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: I have been trying to apply for a modification for the last three years. The required documents that the lender needs was requested by the lender every month for 12 months and then in the 13th month I would be denied for incomplete documents. The lender stated that in several of the 12 months that the documents were complete. I and my Hud counselor are having this problem.
Company Response: Closed with explanation
2016-05-10
Phoenix, AZ
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Company Response: Closed with explanation
2016-05-09
Piscataway, NJ
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-05-09
Camp Springs, MD
Taking/threatening an illegal action
Debt collection: Mortgage
Seized/Attempted to seize property
Company Response: Closed with explanation
2016-05-06
Glenarden, MD
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-05-06
Woodland, WA
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: XXXX XXXX serviced transferred a loan during a loan mod review 2 weeks before foreclosure deadline. We had been under going a review atleast 2 months 6 weeks before and file was complete. When we called Selene Finance whom the loan was transferred to, they said loan mod was denied and no time for any other options. I requested a last ditch effort to atleast help client get a short sale approved in order to avoid foreclosure, and they have never tried to postpone a sale before. This is their first Foreclosure date and we are asking Selene Finance to give us one shot at this. The seller is single, with XXXX kids, XXXX with XXXX, and they have nowhere to go. I 'm pleading your help to get Selene Finance to grant a short sale review and relocation assistance if possible she can qualify.
Company Response: Closed with explanation
2016-05-06
New Britain, CT
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: In late XXXX XXXX XXXX I heard on XXXX that the government had opened up help for homeowners with mortgages that are much larger than the current market value of their home. At the time we owed $ XXXX on a house that was only worth $ XXXX. We called our lender & requested a modification that would reduce our principal balance to more closely align with our market value. In XXXX XXXX we were assigned a single point of contact, XXXX XXXX, & he told us that in order to qualify for this modification, we had to be behind on payments. He suggested we allow our mortgage to get behind by at least 1 month ( current plus XXXX ) so we did. In late XXXX XXXX we requested the modification through XXXX & were mailed paperwork to begin the process. We provided everything & the process seemed to be moving along into a good place. Months went by & Selene got very difficult to deal with. Papers were lost, phone calls were not returned, requests made in writing were not answered, etc. I worked with the company by calling almost every day to check on the status of our account. In XXXX XXXX I received a phone call that our request for modification had been denied & the person I spoke with was very unprofessional. I made a complaint to CFPB at the time & the next day I got a phone call that a mathematical error had been made & our modification was moving forward. We were advised to make 3 trial payments & then our modification paperwork would be sent to us. We thought it was odd that we had to make the payments & then be told what our deal was but we did it anyways. In XXXX XXXX we got paperwork that said we needed to fill it out, have it notarized & return it by the end of XXXX XXXX. We were advised not to make any payments during this time due to the fact that they would go into suspense instead of be applied until our modification was completed. We thought it was weird that they 'd advise us not to make payments, so we continued to do so & watched them sit in suspense by viewing them on their website. We did as we were asked & submitted the necessary paper work on time. Apparently, when they scanned our notarized paperwork in, it flattened the seal made by the notary which made it so that they could not process our paperwork. They should have told us that ( they did not ) & they should have provided us with new paperwork that was exactly the same ( they did not ). Instead we had to call them in XXXX XXXX to find out what the holdup was. When we did so, we were informed that we had submitted bad paperwork & would have to start the whole process all over again. I refused & requested to speak to a manager which they escalated me to & I was promised the paperwork would be resent. They did not resend it until I called in several more times to ask for it. Finally in XXXX XXXX we got the paperwork, took it to a notary, had it done & were ready to send it back when we realized the paperwork was to simply refinance our mortgage into a new 30 year mortgage with a higher monthly payment & a higher interest rate. When I called in to inquire why it was like that, I was told I would need to submit my request in writing & wait 30 days to hear back from them. I advised this would put us outside of our window to send the paperwork back & they assured me that our account would be noted. I also asked for a payment detail that showed exactly what we 'd paid & how it 'd been aligned with payments owed. They did not provide the items so I requested them in writing via their website. I called in every day to check & they kept telling me I had to wait. We got notification in XXXX XXXX that our modification was declined. Then on XXXX/XXXX/XXXX we received 10 letters in the mail threatening foreclosure. It was 6 letters & 4 certified mail letters.
Company Response: Closed with explanation
2016-05-05
Rollingstone, MN
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-05-05
New Orleans, LA
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-05-04
Brooklyn, NY
Settlement process and costs
Mortgage: Conventional fixed mortgage
Complaint: My Loan with this company was fully paid off several months ago ( XXXX XXXX ), I have since been requesting proof of this I called several times, they would put me on hold for an extended time, transfer me from department to department with no help, and finally some one would promise to provide the information, but to date nil. I just reached out to them today XXXX/XXXX/XXXX, spoke to four persons ( names ) and when I indicated that i 'm recording the call, I was abruptly disconnected from the last person. I have been patient, but this practice is unacceptable, I needed this information for my other loan that 's not with Selene Finance, and for clearance for work. They are messing with people lives and do n't care. I also need help in acquiring the proof of payment. It is my legal right that I have access to the information and this is a violation of same, I would seek legal advise but that is an expense I can not afford at this moment.
Company Response: Closed with explanation
2016-05-03
Fort Lauderdale, FL
Loan modification,collection,foreclosure
Mortgage: VA mortgage
Company Response: Closed with explanation
2016-05-01
Plymouth, FL
Loan servicing, payments, escrow account
Mortgage: Conventional fixed mortgage
Complaint: I had made my third trial payment with XXXX XXXX XXXX Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to Selene Finance and when I called Selene Finance although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at Selene Finance said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company Selene Finance. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have which I thought was super strange all companies give a confirmation number it shows that a payment was made. After that I decided to check the reviews on Selene Finance and saw that they had XXXX complaints and not one good review I guess XXXX XXXX knew exactly how to get me and my home into more issues.
Company Response: Closed with explanation
2016-04-29
Milwaukee, WI
Loan servicing, payments, escrow account
Mortgage: Other mortgage
Company Response: Closed with explanation
2016-04-29
Pinellas Park, FL
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Complaint: I have a mortgage loan that is delinquent not by my hands. I have received state assistance for the past year and tried working with the mortgage company for some kind of relief. They have not returned any calls I get statements mailed stating I owe one amount and when I call customer service they say a different amount. I have owned my home for 22 yrs. I have recently accepted new employment which will enable me to make my payments. I have called to work something out with them the only thing I am getting is a run around. The worst thing about this is this company is only the servicer of the loan. I have had my loan transferred 3 times from XXXX to XXXX and now with XXXX XXXX a/k/a XXXX XXXX in the past three years. Recently the loan has been assigned 3 different times to different attorneys in the past 2 years. After contact in XX/XX/XXXX when the last payment from the state assistance stopped to work something out to no avail I had a XXXX XXXX in XXXX XXXX XXXX. I have my XXXX payment but I am being told if I try to submit any funds they will be returned. In addition to getting XXXX different amounts owed my payments have decreased and they will not tell me why. I know they should have increased? My first modification was supposed to be 2 % for 3 years, 3 % for 2 years, 4 % for 1 year and max out at 5 % for the loan duration my current statement is reading 2 %? I also have a loan modification that was recorded in XXXX XXXX canceling the les pendence due to a completed modification agreement. I have never signed anything with them? My written statement states {$14000.00} due when calling in XXXX they wanted a flat {$5000.00} in my most recent call this past Tuesday it is now XXXX? My payments were {$710.00} with an increase due this year but they are saying my payments are {$640.00}? I ca n't get a straight answer. My loan is owned be XXXX XXXX XXXX and division of XXXX XXXX and finance by Selene finance. I just do n't have even XXXX but I can make my mortgage payments and I am willing too but I am getting no where. I do n't want to lose my home over {$6000.00}. however given my physical condition I ca n't handle the stress of this either. I really feel like this company ripped the state of Florida off by {$32000.00} and change as well as only offering me a Harp/Hamp modification which I do n't qualify for as my loan was modify once before by XXXX. I owe XXXX with a {$28000.00} balloon payment and now with Florida hardest hits funds there 's an additional almost {$48000.00} mortgage on this home. The value is n't there for me to sell. XXXX. I have been divorced since XXXX XXXX the only thing I got from all those years in the house I raised my children in. Trying to have peace in my life and work with the mortgage company has caused me a XXXX XXXX. Please someone look at the information I am providing to you and let me know if I am correct or not about this issue. Like I said I have XXXX 's payment and I am able to continue at this time to make my payments but I am very sick and I can not handle the stress. I have hard copies of the XXXX modification offers ( Harp/Hamp ), all the hardest hit information and all of my mortgage statements along with acceleration demands for payments while receiving hardest hit funds however, I will have to fax these I also have the letters of transfers to attorneys ( Fl ). I have the XXXX XXXX paperwork, I have the divorce paperwork and court contempt due to not obeying judge 's orders of providing quit claim deed in timely manner as ordered. I have spoke with Dept of HUD and that I where I am getting my information about not qualifying for a modification at least not what I have been offered. I have done my homework and tried my best to work on righting this wrong that my ex-husband caused. Please help if possible.?
Company Response: Closed with explanation
2016-04-29
New Orleans, LA
Loan modification,collection,foreclosure
Mortgage: FHA mortgage
Complaint: Mortgage company refused to honor deed in lieu agreement although the agreement was returned by deadline and I have complied in every aspect with the agreement. They have attempted to foreclose on my property although I qualify for the HUD Home Affordable Foreclosure Alternative program so they can cashout on FHA Insurance
Company Response: Closed with explanation
2016-04-28
Albany, GA
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Company Response: Closed with explanation