Selene Finance LP

2015-11-20

Ladera Ranch, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Briarwood, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Eatontown, NJ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Casa Grande, AZ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Tucson, AZ

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: This is my statement of what happened concerning my loan for the property. It shows the timeline of events, the negligence XXXX XXXX and XXXX XXXX XXXX showed while servicing my loan. Selene Finance is my current servicer and will not help me. I refinanced my mortgage XX/XX/XXXX, XX/XX/XXXX, XXXX was raided by the FBI. I began getting notices from many companies claiming they now owned my loan. I got a call from XXXX stating that they had my loan, but it was my OLD loan. I explained to XXXX that I had refinanced and they had the information for a loan no longer existed. I started getting intent to foreclose notices from XXXX stating for the OLD loan. We faxed them information from our refinance. Our title co. also talked to a XXXX and also faxed proof to XXXX but the notices and threats kept coming and I did not know who owned for my new loan. Meanwhile, I began getting statements for my NEW loan from XXXX as if nothing was wrong and still owned my NEW loan. XX/XX/XXXX, I hired an attorney. We started to send correspondence to XXXX. XXXX continued to delay their actions to fix my double mortgage situation by sending canned letters to my lawyer saying they were trying to fix the situation. They were sending letters that contradicted each other. One would state they could not help us and another was asking for more time to research. XX/XX/XXXX, I received notice that XXXX was the servicer of my new loan. I received a letter from XXXX XXXX XXXX notifying me of being foreclosed due for my OLD loan. This information was made public on a website, & I began receiving letters from many companies who prey on homeowners who are going through foreclosure. We filed a lawsuit against XXXX for injunctive relief, wrongful foreclosure, breaking several Arizona Revised Statues, the Real Estate Settlement Procedures Act, Slander of Credit, Consumer Fraud, Quiet Title, Breach of Contract, Truth in Lending Act and the being the interpleader of funds. Since XXXX now also owned my NEW loan, XXXX and my attorneys started to discuss how much I owed XXXX to reinstate the new loan. We never got the correct amount we owed them to reinstate. XX/XX/XXXX, I did give XXXX {$18000.00} to show good faith of trying to resolve this issue. However, when I did get my next payment notice from XXXX for the NEW loan, it still stated I was delinquent on that loan. We finally found on out XX/XX/XXXX that my check was still on the XXXX lawyer 's desk. When they finally cashed my XX/XX/XXXX, they used the money towards my OLD loan. It took nearly six months for them to transfer my payment to the new loan. Also, the correspondence contradicted the mailed statements from XXXX. XXXX repeatedly pretended they were going to settle this situation, and we would vacate the court date hoping for a settlement, only to have XXXX XXXX XXXX ignore his correspondence for months. XXXX either denied any wrongdoing or had " no knowledge '' of the issues concerning my loan. XXXX repeatedly stated they were not responsible since my loan was only serviced through XXXX XXXX XXXX and because it was actually owned by the XXXX. When we finally had a settlement hearing XXXX would not agree to our settlement terms. XXXX final offer was {$40000.00}. This amount would have not even have paid my {$60000.00} of lawyer 's fees. XXXX showed complete incompetence and did not give the attention my situation needed in order to be resolved. Even if I won a judgment against XXXX, I did not believe that my problems with my loan would have been fixed. I decided, under counsel " walking away '' and allowing the foreclosure was a viable option. It would allow me to use my saved up mortgage payments to pay my lawyer, and I would not have to go through a costly trial. It also would allow me to permanently sever financial ties with
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-16

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-15

Bowie, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Jacksonville, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I disputed an account with the credit bureaus and each time my disputes either came back as " verified '' or was absolutely ignored. I contacted the company in question directly 3 times and I am mailing them my fourth letter today via certified mail. I first contacted them at the address they have listed on my credit report XX/XX/2015. I heard nothing back. I then did a search online and sent a letter XX/XX/XXXX. I heard nothing back. I did another search and found an address claiming to be their headquarters XX/XX/XXXX via certified mail and it was signed for. I heard nothing back. I am now sending out my fourth letter today, XX/XX/2015 along with this complaint. By ignoring me, they are violating my rights under the FCRA and are showing willful neglect in taking care of this. I have been having trouble getting this erroneous for over a year now and will be taking XXXX Carrington Mtg to court. By law, a creditor has 30 days to respond to the dispute or they must remove the account. The same things goes for the credit bureaus. Each dispute has been ignored. Your company 's last response to my complaint stated that I have made too many disputes and changed my reason for the disputes. Let me be clear on something : if my disputes were investigated properly, I would not have had to go to such lengths to get this taken care of. By law, once I notify a credit bureau that I believe their investigation results are incorrect, they must conduct another investigation and obtain the actual documentation that " proves '' the veracity of an account. This was not done and XXXX concurs with this process that I am stating is imperative. Not only were my disputes with Carrington Mtg ignored, they do not have XXXX address to contact. I am not able to get anyone on the phone to verify any of this information and I have put over 50 hours and thousands of dollars into correcting this mistake. Here are the addresses that Carrington Mtg has : This XXXX is stated on their website as their " headquarters '' CARNGTN MTGXXXX XXXX XXXX XXXX XXXX XXXX & XXXX, CA XXXXThis XXXX is stated on my credit reportCARNGTN MTGXXXX XXXX XXXX CA XXXXThis XXXX is stated on their website under " contact us '' CARNGTN MTGPO BOX XXXX, Ca XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Randolph, MN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Selene Finance is two months delinquent with our Escrow refund after we left the company ( also due to their terrible service ). We received a letter stating the refund was sent on XX/XX/XXXX, and have called them over 10 times since then, assured each time that the payment would be remitted. They will not disclose to us what notes have been taken on our file, and are not remitting our money.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-11

Rockaway Beach, NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: On multiple occasions, emails and phone calls were placed re the modification review. No regard or courtesy acknowledgment was received regarding the status update. The medication review was denied. XX/XX/XXXX2015 : Faxed the Modification Package XXXX. Confirmation of receipt of XXXX pages was emailed XXXXXX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/XXXX2015 : Emailed XXXX requesting confirmation of receipt and status update of the modification review. No ResponseXX/XX/XXXX : Faxed the Modification Package to Selene Finance XXXX. Confirmation of receipt below : XX/XX/XXXX2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully Sent XX/XX/2015 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/2015 : Left voice message ( XXXX XXXX XXXX regarding the modification review. No follow up call returnedXX/XX/2015 : Left voice message XXXX requesting update on the modification review. No follow up call returned. XXXX/XXXX/2015 : Emailed XXXX XXXX requesting update on the modification review. No response returned. XXXX : Spoke XXXX, he stated he has n't heard from your client, he will follow up with them and get back to me. Sent a follow up email XXXXXX/XX/2015 : Sent email XXXX notifying them of the numerous calls and emails sent to their attention. Not one courtesy email or call was returned. XXXX/XXXX/2015 : Received modification denial letter advising case was closed out due to no or lack of documentsAt one point, during the modification review, your firm was under the impression that our client, XXXX was applying for a short sale! Please explain. XXXX/XXXX/2015 : Spoke XXXX- discussed the lack of communication and empathy during the course of the modification review. Per XXXX request, I emailed the denial letter for his review. Currently waiting for update ... XXXX/XXXX/2015 : Sent an email XXXX re the concerns of the denial letter. Requested status updateXX/XX/2015 : Faxed Appeal letter to XXXX. Emailed the appeal letter XXXX. XX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX Successfully SentXX/XX/2105 : XXXX confirmed receipt of the attached appeal letterXX/XX/2015 : XXXX XXXX emailed the same denial letter in question. No update on the modification review.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Monmouth Bch, NJ

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

Old Tappan, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-06

Berkeley, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-05

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Frenchville, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: SELENE FINANCE is reporting the credit agencies that I have a delinquent mortgage with them. However, SELENE FINANCE acquired the mortgage from XXXX XXXX after the house was sold at foreclosure and the lien released.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Conyers, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Previously I was utilizing a lawyer to prevent a foreclosure on my house. As of XXXX XXXX, 2015 I am no longer using legal services. Prior to XXXX XXXX I had requested multiple times to get a lost mitigation package. The person handling my account would not respond. I called and left messages, emailed and faxed many times but I was ignored each time. Several times my husband called and was ignored too. Our circumstance has changed and now we have a little more finances to work with but the mortgage company wont take the time to hear our pleas.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Three Bridges, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-30

Marinwood, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-30

Wilm, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Patterson, MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Plymouth, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: For the past 14 months Selene Finance has not been accurately reporting payments they have received. We have been paying them on time every month, and they have been sending delinquency notices to each credit bureau. They also claim that we owe XXXX dollars when in fact they are holding it in a suspense account and are not applying the funds the way they should. When we call them to rectify the situation, which are monthly calls, we are told it will be 30 days before we see the problem has been corrected. 30 days has come and gone 10 times.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Succasunna, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response