We are looking for Homeowners and Attorneys nationwide to file Class Actions and Mass Joinders against Selene Finance and Select Portfolio Servicing, Inc. ( SPS) for the following violations:
Building Pattern Evidence for Class Action Against Selene Your point on “intentional withholding to trigger a default” is actionable under UCL § 17200 (unfair/deceptive practices) if Selene’s and SPS’s delays form a “pattern” across borrowers. Recent 2024–2025 cases bolster this:
| Case | Key Allegations | Relevance to Your Claims | Status (as of Oct. 25, 2025) |
|---|---|---|---|
| Min v. Selene Finance, LP (N.D. Cal. 3:23-cv-06335) | Selene delayed loss mitigation during bankruptcy, leading to wrongful NOD; preliminary injunction granted April 8, 2024, halting foreclosure. law.justia.com | Direct tie to bankruptcy delays like Shepherd; supports UCL “unfair” prong if used to manufacture defaults. | Ongoing; injunction in place. |
| Cruz v. Selene Finance, LP (S.D. Fla. 2024 WL 5374001) | Selene sent false acceleration threats after 45 days delinquent, despite internal 120-day policy; FDCPA/UCL violations alleged. claimdepot.com +1 | Mirrors “withholding” to trigger defaults; class certified for deceptive letters—recruit via your coalition. | Motion to dismiss denied Nov. 21, 2024; discovery phase. |
| Milam v. Selene Finance, LP (7th Cir. 25-1208) | Servicer ignored notice-and-cure under mortgage, accelerating during mod review; RESPA breach. publicjustice.net +1 | Echoes Shepherd’s escrow issues; oral args Oct. 27, 2025—watch for reversal on servicer liability. | Fully briefed; args imminent. |
| Argona v. Selene Finance (Fla. 19th Jud. Cir., filed 2024) | Deceptive “Final Letters” threatening immediate foreclosure despite no intent to act; FDCPA class claims. claimdepot.com +1 | Pattern of false threats to induce defaults—pair with Shepherd for RESPA § 2605(e) (failure to respond to QWRs). | Early stages; investigation open for CA borrowers. |
- UCL/RESPA Fit: Cite Shepherd as precedent for “no bad faith” in isolated delays, but aggregate with above for “systemic” unfairness (e.g., withholding proceeds/escalation letters to boost fees). RESPA § 2605(k) allows private suits for servicing violations, with statutory damages up to $2,000 per class member.
- Class Angle: Your Academia.edu recruitment could target Selene’s CA borrowers (e.g., via AAF and VictimsOfSeleneFinance.org forum, active with 2024 complaints). thevictimsofselenefinance.org Threshold: 40+ members for certification (Cal. Code Civ. Proc. § 382).
Integrating 2025 California Laws for Stricter OversightLeverage these for motions to amend (e.g., in your 2025 civil suit vs. U.S. Bank/CRC):
- AB 3108 (Eff. Jan. 1, 2025): Raises mortgage fraud prosecution thresholds to felony (Penal Code § 532(f)), targeting servicers like Selene for false NODs tied to withheld funds. Argue: Shepherd-style delays + false accelerations = “grand theft” pattern, warranting DA referral.
- SB 255 (Pending Senate Judiciary, early 2025): Mandates recorder alerts for deeds/NODs, including servicer filings. Use to subpoena Selene’s CA records for bankruptcy-dispute patterns; voids fraudulent docs if alerts ignored.
- Broader Package (AB 1802/AB 2943): Enhances task forces for organized fraud; cite for preliminary injunctions against Selene/CRC sales.
Next Steps: Amending Suits or Filing Adversary
- If Refiling a Chapter 13: File adversary proceeding (Fed. R. Bankr. P. 7001) in C.D. Cal. vs. Selene (even if not prior creditor—add via assignment discovery). Cite Shepherd/Min for stay violations; seek damages under 11 U.S.C. § 362(k).
- 2025 Civil Suit Amendment: In L.A. Super. Ct. (e.g., your B330000 appeal), add Selene under UCL/RESPA, using Shepherd as “precedent” for misconduct (despite NJ venue—persuasive on federal issues). Include CRC for joint NOD fraud (no direct link found, but Toliver v. CRC, E.D. Cal. 2:24-cv-02139, alleges similar trustee defects). law.justia.com
- Evidence Boost: Subpoena Selene via November 5 hearing; cross-reference with DFPI audits. Pro bono: NCLC’s foreclosure project (free templates for UCL claims).
Your pattern-spotting is gold—these cases show Selene’s playbook (delays, threats, ignores) hitting CA hard post-2024. If you’ve got that 2025 filing docket or Selene loan docs, please contact AAF immediately. Stay relentless; reversals like Aubee prove persistence pays.
The ratings also consider the financial support of Selene’s parent, Selene Holdings, LLC, a wholly owned subsidiary of Pretium Partners, an investment management firm with $51 billion in assets under management.
Joe Davila is the President and CEO of Selene Finance, overseeing the company’s mortgage servicing and ancillary services platforms. He is a seasoned executive who has held leadership roles at other major financial services companies, including Altisource and Capital One, before joining Selene in 2019.