Mortgage -- Struggling to pay mortgage -- Complaint #15053075
Complaint Overview
Complaint ID: 15053075
Company: Selene Holdings LLC
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
State: Ohio
ZIP Code: 44121
Date Received: 2025-08-03T12:00:00-05:00
Date Sent to Company: 2025-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'**Subject:** Complaint Regarding Mishandling of FHA Mortgage Modification and Unlawful Foreclosure Attempts by Seline Finance\n\n**To Whom It May Concern,**\n\nI am writing to file a formal complaint against **Seline Finance** concerning their mismanagement of my FHA mortgage modification application and their unlawful attempt to initiate foreclosure proceedings on my home.\n\nI applied for a mortgage modification under the FHA guidelines and fully complied with all documentation and procedural requirements within the designated timeframe. Despite fulfilling all the obligationsincluding the submission of a complete loss mitigation package and timely completion of the trial paymentsSeline Finance has failed to process my application in a timely and lawful manner.\n\nTo make matters worse, while the modification review was still pending, Seline Finance began initiating foreclosure proceedings. This action is in direct violation of FHA servicing guidelines, which require that foreclosure be suspended while a complete loss mitigation application is under review.\n\nI have made every effort to communicate with Seline Finance, but their responses have been delayed, vague, and unhelpful. Their conduct has caused me significant emotional and financial distress and places my home at unnecessary risk.\n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I am asking for:\n\n1. A review of Seline Finances failure to properly process my mortgage modification in accordance with FHA guidelines.\n2. Immediate intervention to halt any foreclosure activity while my application is still under consideration.\n3. Enforcement action if Seline Finance is found to be in violation of federal mortgage servicing standards.\n\nI am happy to provide supporting documentation, including copies of correspondence, proof of trial payments, and the complete application package, upon request.\n\nThank you for your time and assistance in this urgent matter.\n\nSincerely,\n**XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15053075 about?
Complaint #15053075 was filed against Selene Holdings LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-08-03T12:00:00-05:00.
How did Selene Holdings LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Selene Holdings LLC?
Yes, visit the Selene Holdings LLC company profile at readthecomplaint.com/company/selene-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.