Selene Finance LP

2015-12-29

Adelaide, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Louisville, KY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: We fell behind on our mortgage. Our loan went through XXXX different companies all of which were unwilling or unable to help including XXXX XXXX XXXX. We arrived with Selene Finance. We have been working out a modification program and waited for 3 months for them to get a program together including them having to resubmit the request to the underwriters due to the fact that they wanted to add the amount we fell behind on the end as a balloon payment which is illegal in my state. When they finally sent the modification program they demanded us to put down XXXX in about 3 days after we got the contract by regular mail. Then they wanted our first payment 6 days after that. When I was told by the gentleman who was working our loan they would not require the down payment ( XXXX ) right away and the first payment on the loan would not be due until the month after the down payment was due. I called my worker many times and to get him to call back had to call two or three times a month for the same question. Now I am due my first payment after they fixed my paperwork to make the first payment due XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX and they have not called me back to tell me how to send my funds. I also received a letter stating they had not received my contract but had received my XXXX down payment and I had emailed it. In with the letter is a letter to another loan that is due their paperwork and I had to call the company for them to send out a new letter to the other customer. Their down payment was also considerably less then ours. This company has horrible practices. Also XXXX XXXX XXXX refused to help AT ALL!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

AR

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: On XXXX, XXXX, I called Selene Finance concerning the mismanagement ( XXXX up ) of my Mortgage payments from XXXX. I insisted on a supervisor, was given XXXX, who assured me it had all been straightened out. I requested in writing. I also noticed on my XXXX Mortgage Statement ( only the XXXX I received after a year XXXX with their company ) that there was a charge under " Corporate Advance ''? I asked what that was for. He responded that it was for Attorney Fees in regards to my Bankruptcy. Now mind you, I filed for Bankruptcy in XXXX of XXXX and my home was NOT included in the BK ( my mortgage was with XXXX XXXX XXXX at the time ). In my mortgage file at XXXX there were all the necessary documents from the Judge & my attorney stating my home was not included and when my loan was bought by Selene Finance, I made sure that file was faxed over to them in XX/XX/XXXX-Selene confirmed that they had it, but because I was in BK, I would not receive monthly statements. My BK was completed in XXXX XXXX and I had my attorney send the letter from the Judge stating that and now I want my monthly statements. It took them 3 months to do that. I also checked with the Court & my Attorney-Selene Finance had NEVER had an attorney inquire into my BK. AND if they had, why was I NOT notified that there would be cost to me??????? XXXX told me I needed to send in an email disputing the " Corporate Advance '' charges, which I did on XXXX XXXX, because I had NOT been receiving statements, how long they HAD been charging me and WHY they would still be charging me when my BK was completed 3 months ago? I called Selene on XXXX XXXX, because I had not received a return email ( at least stating they had received it and were working on it ) XXXX stated a computer generated letter was sent to me on XXXX verifying they had received my email and that FEDERAL LAW requires SELENE Finance XXXX to respond within 30 business days. I did receive that on the XXXX ... ..It has NOW been XXXX BUSINESS DAYS and I have not had ANY response! So, I called Selene this morning to find out why-was transferred to XXXX ( supervisor ) who had NO answer but was going to email the Loan Resolution Dept and apologized. I told him according to his companies letter, Selene was NOW in violation of the FEDERAL LAW and I am NOT going to go through a five year nightmare like I did with XXXX. So, here I am.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-28

Cartersville, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-26

Rockwell, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-23

N Chesterfld, VA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

E Palo Alto, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-19

South Chatham, MA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-18

Nantucket, MA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-17

Onekama, MI

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-15

Rincon, AZ

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-15

Rincon, AZ

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

San Gabriel, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: To whom it may concern : After several years I am finally able to refinance my mortgage. In requesting my payoff there was a " corporate fee '' /escrow fee added to my outstanding mortgage balance of {$11000.00} that according to the current loan servicer XXXX XXXX was transferred from Selene Finance XXXX XXXX/XXXX/2011. I recall I used to pay my own property taxes and insurance directly, when my original loan originator XXXX XXXX sold my servicing to Selene they began to impound my property taxes and insurance. There was an arraignment of escrow payment to cover the amount that was paid out by Selene. I want a complete breakdown of items that derived this " corporate/escrow '' of {$11000.00} balance that was transferred to XXXX XXXX. I have no recollection as to how this substantial amount was derived. This is a substantial amount of outstanding fees. It has been very frustrating trying to identify where or how they were accrued. I would appreciate all your assistance in providing proof of how this amount was accrued, thank you. How do these small mortgage servicing company 's get away with adding such large amounts to outstanding mortgage balances without informing the borrowers. We are extremely upset that our outstanding loan balance is {$11000.00} more than we had anticipated, our new payment is affected etc. Very frustrating trying to track down the disconnect.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Three Bridges, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-09

Bremen, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: My loan was originally with XXXX XXXX XXXX. After putting in at least XXXX modification packets it was sold to a company called Selene Finance in XX/XX/XXXX. I received a letter stating that my most recent modification packet was also sent along with our loan. However of course Selene says it did n't receive the information so we had to resend a new packet to them. All of this information was sent and now we are being told after receiving a letter with a check off list of all the documents that were sent that they do n't have them and we are to overlook the letter. That 's not the worse part of my complaint. I have been told for the past few weeks that if I do n't allow a real estate agent in my home to take pictures that our modification wo n't even be considered. I was told on the phone on XXXX XXXX, 2015 that my house is valued at least around {$170000.00} so why in the same conversation you tell me that if we do n't allow someone inside to take pictures of the home you ca n't get an appraisal of the property but they continue to have someone show up at my home almost every other week since they took over the loan. I was also told last week on XXXX XXXX and on yesterday XXXX XXXX that I need to allow them in my home or my modification wo n't be looked at. I have never none this to be the only way to get an appraisal or even be able to be considered for a loan modification when you have everything that you need. I feel as if they have no interest in even doing a modification and for them not being able to come in my home and take pictures will be the excuse they do n't look at our packet and consider helping us save our home. I was told by XXXX to make a complaint here. I really hope it will help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

Cheverly, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Reynolds Station, KY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-28

Reynolds Station, KY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-27

Chester, NY

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Odell, OR

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Federal Way, WA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I was in the middle of XXXX loan servicing awaiting decision for a loan modification and the loan was sold to Selene financial. The escrow payment increased over {$400.00} putting me into a greater default position. I have been trying to get out of this ARM loan for the past 12 yeears. Denied due process for a modification because I wanted only outside inspection of my home. Selene Finance sent Default letter before 120 days and started foreclosure proceedings.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Clarkesville, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response