The gist of this story is that Selene moved forward with a foreclosure on my home after a year me fighting them because when they started to service my loan it was not in default. I had been in forbearance thanks to the CARES act. My loan was a Fannie Mae loan. Every regulatory financial entity out there made statements that there would not be a lump sum payment required for federally covered mortgages in forbearance. I began to contact Bank of America before my forbearance period ended assuming that guarantees applied to me too, but wanting to make sure it did. I kept up those calls to ensure I had done everything necessary on my end as I resumed making my mortgage payments. Somehow my loan ended up in Selene’s hands. The protection I had from Fannie Mae vanished. Selene demanded the full amount that had been in forbearance. They would not take a dollar less. They gave me the run around. This went on for a year while I banked a years worth of monthly mortgage payments hoping for common sense to prevail. They denied a modification. They ignored 14 emails. They ignored an attorney I hired to deal with them. They were not honest with complaints to the CFPB, the FHFA and my state AG. If somebody else has tried something I didn’t try I would be impressed. Especially it it worked. Nothing I tried did.