AS WITH ALL OF THE OTHER LOANS WITH SELENE OURS WAS WITH BOA TOO. I WONDER IF SELENE IS PART OF BOA. THEY PROMISED TO MODIFY MY LOAN AND REDUCE MY PAYMENT TO AN AFFORDABLE PAYMENT. WHICH MEANS THEY TAKE EVERY DIME THEY CAN GET FROM YOU. WE HAVE PAID THIS TRIAL PAYMENT FOR 9 MONTHS ALWAYS PAID AT LEAST 2 WEEKS IN ADVANCE OF THE DUE DATE. WHEN I GOT THE MODIFICATION PAPERS I DID NOT NOTICE A 30 YEAR PAYMENT SCHEDULE. AFTER SEARCHING OTHER PAGES OF THE CONTRACT I FOUND A PAGE THAT SAID THERE WAS A BALLOON PAYMENT. THAT MEANS TO ME THAT I WOULD MOST LIKELY LOSE MY HOUSE WHEN THE BALLOON PAYMENT WAS DUE. THERE ARE MORE LIES THEY TOLD US BUT I WILL DEAL WITH THEM IF THEY OFFER ME A GOOD MODIFICATION. THERE WERE OTHER FAMILY MEMBERS ON OUR LOAN WITH BOA. SENENE WAS TOLD THAT ONLY MYSELF AND MY WIFE WOULD BE ON THE NEW LOAN. THEY SAID THAT WAS FINE BUT THEY WOULD REMAIN ON OUR DEAD IN CASE SOMETHING HAPPENED TO US. THEY WOULD GET THE HOUSE. THE NEW CONTRACT HAD ALL OF US ON IT AND DID NOT SAY ANYTHING ABOUT THEM NOT BEING ON THE CONTRACT AND JUST BEING ON THE DEAD. WE KEEP PAYING THEM BECAUSE WE DON’T WANT TO BE PUT OUT ON THE STREET. WE ARE SENIORS AND LIVING ON SOCIAL SECURITY IS NOY EASY. WE SPENT ALL OF OUR SAVINGS ON TRYING TO GET LOAN MODIFICATIONS WITH BOA.
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Avoid this mortgage company with every bone
Avoid this mortgage company with every bone in your body. for most of the 15 years we lived in our last house we had our mortgage with Bank of America there never was a single problem and then with out notice they sold our mortgage to Selene Financial. I know this happens in the real estate market and we wouldnt of mind but almost immediately we started having problems with this company. The first thing they started was that we were behind in our payments which i have all documented proof that we were not. but they drove us crazy with all there lies trying to collect late fees and interest. only after i got a attorney and he put them in there place did they finally leave us alone. but not one month after our attorney straightned them out they tried it again. the attorney again put them in there place instantly but all the hassle drove us crazy. and of course attorneys are not free. then after 3 years of dealing with them we decided to sell our home and guess what, they started there s**t again. they first tried to say we owed them for a complete monthly payment. we worked with and checked with the title and escrow company and this of course was a lie. When all the title work and escrow work was done it showed them owing us almost a thousand dollars. so of course they tried to denie it and say we owed them $600.00. i sent and showed them the paper work and they tried to denie it AGAIN. so far they have backed off but they wont send us the money they owe us. Hopefully this will settle it self but i dont count on it. I do say if you can avoid this scam insistent company with all your powers please do it. they are out to do anything they can to collect bogus money. i will report if i ever recieve the $1,000.00 they owe us. thank you
I agree. I never received any notification
I agree. I never received any notification that my mortgage was sold by BoA to Selene Finance until I called to make a payment. When something important like a mortgage is sold, the bank should notify at least by both mail and email (if on file)
Bank of America sold my loan to
Bank of America sold my loan to Selene Finance. Bank of America said I was with them through August 01, 2014; so I submitted payment. On August 29th, I received a letter from Selene Finance LP, stating they hadn’t received my payment due on the first of August and I was being charged a late fee of $49.00. They also said my credit would be tarnished. That was the first notification of anything about my loan with Selene. The 1st does not always fall on payday, Selene Finance does not allow a grace period of by the 12th or 16th. If it is not in by the 1st, another late fee applies. I know have another late fee because payday isn’t until Friday. I live pay check to pay check and I have always paid my mortgage payment. This isn’t right and there should be a grace period of 30 days if a loan is sold between companies. The bad thing is the consumer gets caught in the middle of an overnight sale.
Selene Finance Reviews & Complaints
After finishing my trial payments with citimortgage and continuing making the payments for 4 extra months citimortgage sold my loan to selene finance and they told me that selene finance does not give modifications and/or participate in any government programs with lower interest rate and that I will be kept at the same rate I currently have. They seem to be more interested on selling my home and not helping me to save it. They are so rude and heartless. I can”t understand why the government aloud this people to do business in usa with investors that don”t support our current government efforts in helping people. Selene should not be aloud to do business in usa.
Selene Finance Reviews & Complaints
BOA sold my mortgage to these idiots in July 2014. In August 2014 I received a monthly statement from Selene for my 08/01/13 payment of 935.85 that was due. Thinking it was a typo, I started calling them. The automated service tells me every time that the person handling my account is not available and to leave a message. I did that five times with no returned call. I finally get someone in Customer Service who tells me I owe them 11, 182.20 because BOA told them I had not paid my mortgage since July 2013. I explained to the CSR that their records were incorrect as I called BOA every month directly to have them process a ACH directly from my account. I also told them that my payment amount was not 983.85, but 741.85 due to an approved loan modification. He claimed that the paperwork provided from BOA shows it was never processed or approved, even though I have the agreement dated 11/01/2012. I called back several weeks later when I got another letter stating I needed to answer to the validity of my debt for the August 2013 payment not made. At first, she offered to put me in touch with an adviser that could tell me about their load forbearance program since I haven”t paid in over a year. I explained to her again that I made my payments directly to BOA via a live person and she told me it was an error because BOA had not given them the whole file regarding my mortgage and to disregard the letter. I have yet to hear anything back from them and I have not received any statements from them either. I have just registered on their website to see that according to them, my payment due is for 08/01/2013 in the amount of 935.85. I WISH someone would call and try to harass me so that I could go off on them!!
Selene Finance Reviews & Complaints
Flagstar sold my mortgage to this company effective 2/2/13. According to regulations this company is supposed to send you notice 15 days prior to the effective date. I received my notification from them on 2/4/13 the postmark was 2/1/2013. I went on to their website and they do not even offer online payments! How can a company operate these days without using online payments not to mention my payment would have been late if not for the fact that I had actually made it early with Flagstar. In my opinion this will be just another scam by a financial institution to blame a late payment on snail mail or charge you extra to make a payment by phone! Flagstar should be ashamed as well for selling good paying customers to this business. I guess the only way to get away from this business will be to refinance my mortgage and hope that the next mortgage company has better sense than Flagstar when choosing who they sell our mortgages too. Shame on Selene Finance and shame on Flagstar!!
Selene Finance Reviews & Complaints
Hurricane Irma damage my house 15 months ago.I received a check from my insurance company and send it to the loss draft department at Selene finance 8 weeks ago. Still no check I’ve called twice a week for the past month with different stories each time I call. I have sent you all the paperwork that you have asked for. This has been the worst customer service company I’ve ever dealt with if I didn’t have to I would not do business with your company
Selene Finance Reviews & Complaints
I am a single woman..I am disabled, i am like all the others hanging on..My home mort. Loan was with litton loan fin..Unto my knowledge selene purchased my loan in late jan 2011…Feb 14, 2011 i rec.A cert.Letter stating i had to pay right at 13.000.00 in order to keep my home..I was in such shock..I called selene fin on feb 15, 2011 spoke with a rob. I told him about this cert. Letter he in return told me i had not made any house payments since sept 2010..I told him i am not in any way in default for i am up to date on my house payments, that litton loan sent me my statements as they do every mo for jan, feb 2011..They said no u have not paid oct, nov, dec, jan, feb, upcoming march..Well i beg to differ with u i told him i have sent this ck for this mo it cleared my bank on such such date. Now today i get a letter with my feb house payment ck back telling me that this is not the agree amt, cert funds. When talking to rob he wanted me to locate all my loan modification to show i did in fact get a lower inst.Rate, send all copies of cancelled cks, proof of my disability, on and on..I ask where is justice today.. I am guilty till i can prove other wise..Guess what u purchased loans, i question the closing of these loans for the title co. Would have to have all bal, loans info., signed sworn notary documents, selene fin did, dose, not have this info nor are they going to clear this up with litton loan..I really think our govt. Should ck these co. Out…If u ask me i think they look for loans that homes owners have paid yet have equity, try kick us out Then try to make a hefty profit…Go figure their all from arizona, fl.. Im not sitting for this…I will have to have an attorney for my illness becomes very harmful to my body when stress is put upon me in such way that they want to kick me out and i have paid im not worried no not at all for i know i have paid my payments, i know what my interest rate is and has been that rate for 2yrs… Why did litton send my jan, feb statements and cash jan ck, why has it taken till today to rec my feb ck back but u see my ck is for the amt i always pay every mo…If i were to send the amt they are requesting then im saying ok i owe that…No no do not do that u guys…Be smart…Lets all get a civil suit started… Oh there is more to tell that they have done to which women that are single call the police if u see a man in front of ur house taking pictures then drive off, also never give ur name to some one that comes to ur door.. Selene sent a man out to my house on a sunday afternoon about 2wks ago..Thank the lord my ex was here because i had been sick he answered the door and the man would not ident.Himself just said i need the name of who is living here…My ex said his name in a way that would come off don’t even mess with me..The man said thanks that all i needed and got in his truck and left..Selene admitted to me yes they did send them… They think im stupid well im not…I promise u that i have changed more diapers than selene fin brains of that co has tried to think of every thing they can do to get rich fast off of us…Well im going for it any of u want to join in let me know…Im not sitting by this…I am not guilty, i do not owe, i will not allow them to try and hurt, scare, stress me with out a fight…They have charges on me that i have never seen before…I have not been late, i have cancelled cks that were cashed i am a us citizen and the govt needs to get off their butts and do some thing about these company’s oh and they offered me a big discount if i would pay them and take my loan to another co..Oh and my credit report well i guess i need not tell any of u…Oh yea alerts all due to litton, selene finance…I would not complaine if i were guilty but i am not but i will also not allow them to get away with the treats, stress, emotional, that they have caused me when all they have to do is call litton loan clear this up they want me to prove it…Guess what the title co could be in on this they have to have all documents, bal, etc in order to close such loans.. Im pissed Want to get in on class action suit contact me [protected]@att.Net
Selene Finance Reviews & Complaints
I had a bank of america loan transferred to selene finance. I was behind a few months but had made an october payment to selene and told them I was going to catch up on 2 payments in december with 2 transactions. I sent selene 2500.00 on 12/1, and on 12/6/16 I called them to confirm receipt and to let them know of another payment in the amount of 2386.00 coming on 12/16/16. Selene lied about receiving the funds, and told me to hold the other payment until they found the initial payment. When I called on the 16th, they stated that they hadn”t yet found the wired funds, which I presented to them documentation that the funds were sent. Again I was told to hold off on the other payment, which would have brought my past due down to 2 months – under their 3 month limit. I get a notice yesterday 1/5/17 – a month after the initial payment – stating that they did receive the payment and that it”s too late to send in the other amount. They also attached 2000.00+ of junk fees. They are threatening foreclosure and I believe they held that money on purpose in a fraud attempt.
Selene Finance Reviews & Complaints
I have been sending an additional 1000.00 a month to be applied as additional principal on my mortgage. Selene instead applies that amount to my next months payment, contrary to my loan agreement. After numerous attempts to fix the issue with them, they told me that unless I started an automatic payment with them they would not correct this problem. Their so-called customer service department is the worst I have ever experienced in my 50+ years. Btw, I am always up to date and current on my mortgage.
Selene Finance Reviews & Complaints
I pay my payments on time but Selene Finance don”t cash the checks on time and blame me for being late on the payments. one time they took over 20 days to cash one of my checks and put a charge on it for being late. This week using bill pay from my bank Selene Finance tried to cash the check one day before the due date causing me it to be no good. I try to call them but they are there people are very rude and try to blame me for the problem.
Selene Finance Reviews & Complaints
I too am fed up with the customer service of Selene Finance. They inflated our escrow and are dragging their feet trying to resolve it. They will never call us back, and it takes over half an hour just to get someone on the phone, until they disconnect you. Please visit my Facebook page that focuses on complaints about Selene Finance. Go to www.facebook.com/SeleneFinanceComplaints