Selene Finance Mortgage Complaint

Selene Finance Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Georgia

After Selene began servicing the loan, they in turn sent the following to me : 1 ) an -/-/- 'Validation of Debt Notice ' letter and 2 ) a - page document dated -/-/- titled 'Loss Mitigation Notice of Determination Letter ' - this letter was a form letter that outlined - things ( Modification - 'Approve ', DIL - 'Eligible ', & Short Sale - 'Eligible ' ). It said, if I wanted to proceed, sign the form or call them by -/-/- ( I signed the form -/-/- and sent it to my HUD Housing Counselor and I personally sent the signed form electronically, on -/-/-, with return receipt ( which Selene opened -/-/- ). In the meantime, I had - days to dispute the -/-/- 'Validation of Debt Notice ' and I did so via Certified Mail ( in the form of a Qualified Written Request ) on -/-/-. In time, the assigned SPC direct dialed me on -/-/- and asked what I wanted to do, I told them I want to remain in the home and I was waiting on their response to the Debt Validation QWR, because there were Corporate Advance fees and other amounts


QWR and indicated on page - of their letter that I had a Trial Modification that started on -/-/-. I never received a Trial Modification Agreement or even a 'Verbal ' agreement and they had just called me to discuss the loan on -/-/-. Therefore, the Housing Counselor did call Selene on -/-/- - stated the they needed communication stating I did not have an attorney, thus the Housing Counselor confirmed to me this was faxed to Selene ) ; as follow-up, the Housing Counselor called Selene again on -/-/- and the Selene agent could see a monthly amount in their system, but they did not see where an actual Trial agreement was sent to me or communicated ; the Housing Counselor was curious too, because Selene never stated what 'type ' of Modification they recorded. On -/-/-, the Housing Counselor emailed me, to see if Selene had sent a Trial Modification ; they had not. By -/-/- the Housing Counselor checked again with me to see if Selene had corresponded ; they had not. After patiently waiting, on -/-/-, I called Selene and asked what was going on with the loan and was told they could not tell me anything, because I had an attorney ( I never had counsel with them ; my Housing Counselor sent the letter stating this back on -/-/- ). On -/-/-, I was told by - to DISREGARD all prior Selene communication. I resubmitted a Modification Package on -/-/- ( it was promptly denied on -/-/- and I had called that very day for an update and was not informed of this ). Then, I appealed the denial on -/-/- ( Selene responded in a -/-/- letter saying I could not appeal, because I was revealing new information, thus the appeal was not valid - Selene again told me to submit another Loan Modification Package ). Also, on -/-/-, Selene finally responded to HUD that I had refused their Loan Modification - Selene did not say this in their CFPB response on -. I submitted another loan modification package on -/-/- ; Selene notified me that it they would make a decision by -/-/-. I called on a few times each week thereafter and was told, on -/-/- the Underwriters review was complete and it was sent to the Quality Control Team. On, -/-/- and I was told the file was denied on -/-/- ( not enough income ) and the QC Team 'Approved ' this on -/-/-.